National Savings Fund will keep its housing interest rates frozen until June 2026

TL;DR

FNA freezes housing loan interest rates until June 2026.
This offers stability to borrowers planning their mortgage payments.
The freeze applies to both new and existing loan agreements for those who disburse funds within the period.
The benefit specifically targets Vivienda de Interés Social (VIS) and Vivienda de Interés Prioritario (VIP) segments.
FNA is now offering up to 100% financing for properties, eliminating the need for a down payment.
This initiative aims to overcome a key barrier for young people, workers, and lower-income families.
Loan offers include rates as low as UVR + 0, with initial monthly payments around $320,000 COP.
FNA's approval criteria focus on payment capacity rather than conventional credit history, unlike traditional banks.
Additional services include home improvement loans without mortgage guarantees and construction on owned land.

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