Comparador de crédito habitacional
Compare instituição por instituição as taxas do crédito habitacional em Colômbia e estime sua parcela. Dados oficiais da Superintendencia Financiera.
Housing above the VIS threshold, with no price cap.
Use the amount you plan to finance.
| # | Instituição | Taxa efetiva anual | Parcela estimada |
|---|---|---|---|
| 1 | Fondo Nacional del Ahorro | 11,03% | COP 2.068.759 |
| 2 | Bancoomeva | 12,76% | COP 2.309.452 |
| 3 | Banco Caja Social S.A. | 13,00% | COP 2.343.151 |
| 4 | AV Villas | 13,68% | COP 2.440.600 |
| 5 | Itaú | 14,01% | COP 2.488.494 |
| 6 | Banagrario | 14,20% | COP 2.515.907 |
| 7 | Banco de Bogotá | 14,61% | COP 2.576.449 |
| 8 | Banco de Occidente | 14,62% | COP 2.577.569 |
| 9 | Confiar | 14,75% | COP 2.596.711 |
| 10 | Banco Davibank | 14,88% | COP 2.616.331 |
| 11 | BBVA Colombia | 14,99% | COP 2.632.759 |
| 12 | Bancolombia | 15,05% | COP 2.640.281 |
| 13 | Banco Davivienda | 15,17% | COP 2.659.424 |
| 14 | Credifamilia | 16,54% | COP 2.863.847 |
| 15 | Banco Unión | 17,75% | COP 3.048.198 |
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.
Taxas reportadas por cada instituição à Superfinanciera, vigentes na data indicada; podem mudar sem aviso. Confirme as condições finais com a instituição. Esta comparação é informativa e não constitui oferta nem aconselhamento financeiro.
Todas as instituições
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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