Housing loan rate comparison
Compare housing loan rates institution by institution in Colombia and estimate your payment. Official Superintendencia Financiera data.
Social-interest housing: price-capped with its own eligibility rules, normally the lowest rates on the market.
Use the amount you plan to finance.
| # | Institution | Effective annual rate | Estimated payment |
|---|---|---|---|
| 1 | Credifamilia | 10.30% | COP 1,969,963 |
| 2 | Fondo Nacional del Ahorro | 11.50% | COP 2,132,859 |
| 3 | La Hipotecaria | 12.90% | COP 2,328,918 |
| 4 | BBVA Colombia | 13.26% | COP 2,380,448 |
| 5 | AV Villas | 13.61% | COP 2,430,167 |
| 6 | Banco Caja Social S.A. | 13.84% | COP 2,464,120 |
| 7 | Banco de Bogotá | 14.30% | COP 2,530,737 |
| 8 | Banco Davivienda | 14.39% | COP 2,544,320 |
| 9 | Confiar | 14.40% | COP 2,545,353 |
| 10 | Banco Davibank | 14.65% | COP 2,582,406 |
| 11 | Banco de Occidente | 14.67% | COP 2,584,461 |
| 12 | Banagrario | 14.70% | COP 2,589,355 |
| 13 | Cotrafa | 14.89% | COP 2,617,882 |
| 14 | Bancolombia | 14.90% | COP 2,618,814 |
| 15 | Banco Unión | 16.80% | COP 2,902,827 |
Estimated payment, interest and principal only — excludes insurance and origination study. Institutions are ordered by the rate Superfinanciera publishes; the average is weighted by amount disbursed.
Rates as reported by each institution to the Superfinanciera, current as of the date shown; they can change without notice. Confirm final conditions with the institution. This comparison is informational and is not an offer or financial advice.
All institutions
How to compare Colombian housing loans
Rates come from the Superintendencia Financiera weekly report, which publishes the average effective housing-loan rate per institution. We impose no ordering of our own: institutions are listed by rate, lowest first.
The source data is broken out across many dimensions (amount, term, municipality and more), so we consolidate it with an amount-weighted average. A simple mean drifted by almost a full percentage point — enough to reorder the ranking.
VIS and no-VIS are not comparable: social-interest housing carries a price cap and its own eligibility rules. Nor are pesos and UVR — a UVR rate looks lower because inflation is added on top of it. So you pick the product first, and only then see a ranking.
The payment shown is indicative, interest and principal only: it excludes life and fire insurance and origination study, and your final rate depends on the institution's assessment.
Frequently asked questions
Where do these rates come from?
The Superintendencia Financiera de Colombia active-rates report, published on datos.gov.co with a weekly cut. We show the most recent cut available.
What is the difference between VIS and no-VIS?
VIS is social-interest housing: a price cap, income requirements, and usually access to subsidies and lower rates. No-VIS is the rest of the market. They are different products and don't compare.
Pesos or UVR?
In pesos the payment is predictable. In UVR the rate looks lower, but the balance is indexed to inflation, so the payment rises over time. Pesos buys certainty; UVR means you carry inflation risk.
Is the rate shown what I will be offered?
Not necessarily. It is the weighted average the institution reported that week. Yours depends on your profile, down payment, term and credit assessment — use this table to decide where to negotiate.
Why is an institution missing?
We only include products the public can apply for. Employee-only housing lines and second-tier banks, which lend to other banks rather than to people, are excluded.
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