This is the minimum score for pensioners to request housing in 2026 with the National Savings Fund
For thousands of pensioners in Colombia, the dream of owning a home or improving their current one remains a priority. In 2026, the National Savings Fund (FNA) is consolidating itself as one of the most robust options for this population segment, thanks to its competitive rates and adapted savings models.
TL;DR
- Pensioners need a minimum score of 400 points to apply for housing credit through the FNA's Voluntary Contractual Savings (AVC) line in 2026.
- The score is determined by savings consistency and meeting contract goals, evaluating punctual deposits and tenure.
- An initial accumulated saving equivalent to 1.2 Minimum Monthly Legal Wages (SMMLV) is required, amounting to approximately $2,101,086 for 2026.
- Monthly loan payments must not exceed 30% of the pensioner's monthly income (pension).
- The sum of the applicant's age and the loan term should typically not exceed 75 or 80 years, depending on the life insurance policy.
- The FNA is offering preferential interest rates for Social Interest Housing (VIS) and Priority Housing (VIP), with some VIP credits starting at UVR + 0%.