Savings modalities can open many doors so that Colombians can invest in their goals in the medium or long term. One of those dreams longed for by many is to have their own home.
When a savings is used for the purchase of a property, the options to take the first step may vary according to convenience, feasibility and the processes to be carried out.
(It may interest you: Petro criticized the decision that removes control of service regulation).
programmed savings accounts
Keep in mind that this type of prior savings must be made in credit establishments supervised by the financial supersuch as savings and credit cooperatives, as well as multi-active and comprehensive cooperatives with a savings and credit section supervised and authorized by the National Savings Fund.
(Also read: Now is not the time to get into debt on things that can wait: experts).
Periodic savings contributions
These have to be requested in common funds managed by trust companies under the criterion that the sole objective of the contributor there is to acquire a home. Likewise, it may be done in mutual investment funds under supervision of the Financial Superintendence; as well as in financial cooperatives and in employee funds supervised by the supersolidarity.
(Keep reading: Is it worth investing in Social Interest Housing in Colombia?).
If your savings is through an initial fee, you must make a payment in the project in which the discount will be applied. Family Housing Subsidy and, in the same way, be certified by the builder or private bidder, through its legal representative and its fiscal auditor. It is key that you attach the relevant cash receipts or consignmentswhere there is evidence of the date of payment thereof.
Must be represented on deposits made in public or private funds of layoffs, as well as in the National Savings Fund.
(Keep reading: Increase in the price of new housing, the highest in 8 years).
The property must be owned by the offeror or the applicant for the housing plan and must be free of resolving conditions and encumbrances, except for the mortgage.
BRIEFCASE
