{"id":2763,"date":"2026-07-02T15:30:23","date_gmt":"2026-07-02T20:30:23","guid":{"rendered":"https:\/\/hepacom.org\/tasas-de-interes-hipotecarias\/"},"modified":"2026-07-06T11:47:28","modified_gmt":"2026-07-06T16:47:28","slug":"tasas-de-interes-hipotecarias","status":"publish","type":"post","link":"https:\/\/hepacom.org\/en\/tasas-de-interes-hipotecarias\/","title":{"rendered":"Mortgage interest rates in Colombia: a comparison 2026"},"content":{"rendered":"

Last updated: July 2026<\/strong><\/p>\n

When the Restrepo family, from a working-class neighborhood in Itag\u00fc\u00ed, finally saved enough for the down payment, they thought the hard part was over. They went into the first bank, were given a number, and left convinced that this was "the rate." By chance, they inquired at a second bank, and the difference changed their monthly payment by almost ninety thousand pesos. Same house, same loan term, different rate. That's when they understood that comparing rates isn't just a detail: it's money that stays in your pocket for fifteen years.<\/p>\n

In short: the mortgage interest rates<\/strong> In Colombia, the average annual effective interest rate for social housing (VIS) in 2026 is around 131%, but it ranges from approximately 10.81% at the cheapest lenders to over 161% at the most expensive. The rate you're offered depends on the bank, the type of housing (VIS or non-VIS), and your profile. Here's an overview by segment, based on official data, and how to get a better rate.<\/p>\n

What mortgage interest rates are being charged in Colombia in 2026?<\/h2>\n

According to the Financial Superintendency of Colombia<\/a>, According to the database that publishes the active interest rates of all financial institutions, the average annual effective interest rate for housing loans in pesos was around 131% of the total interest rate at the beginning of 2026, combining both segments. This average masks significant differences: there are several percentage points between the cheapest and most expensive lenders, and every point has a significant impact on a long-term loan.<\/p>\n

Mortgage rates are not a matter of individual bank whim. They fluctuate with the monetary policy of the central bank. Bank of the Republic<\/a>, The central bank sets the benchmark interest rate and publishes the maximum rate allowed for mortgage financing. When this benchmark rate rises, banks' funding becomes more expensive, and sooner or later, mortgage payments increase as well. That's why July is a good time to compare: it's when many families start looking for loans and lenders adjust their offers.<\/p>\n

Why does the rate vary so much from one bank to another?<\/h2>\n

Three things explain almost the entire difference. The first is the type of housing<\/strong>Social interest housing (VIS) usually has lower rates than non-VIS housing because the government promotes it. The second is the entity<\/strong>The National Savings Fund and some socially-minded banks tend to lag behind the rest. The third is your profile<\/strong>Credit score, income stability, and down payment amount can cause two people to be offered different rates for the same loan.<\/p>\n

Before signing, it's a good idea to know how much the bank will actually lend you and what monthly payment you can afford without struggling. For that, check out our guide on... borrowing capacity for housing<\/a>, Because a good rate on an unpayable loan is useless.<\/p>\n

How much cheaper is the VIS rate compared to the non-VIS rate?<\/h2>\n

Social housing (VIS) typically offers lower interest rates, with a difference of one to two percentage points compared to non-social housing (No VIS). According to data from the Financial Superintendency at the beginning of 2026, the National Savings Fund (FNA) was the most affordable option for social housing, followed by banks with a history of lending to non-social housing. For non-social housing, the order shifts slightly, but the FNA remains the leader. These figures change monthly, so use them as a reference and confirm the current rate before making a decision.<\/p>\n

Mortgage interest rates by entity (VIS and Non-VIS): indicative overview<\/h3>\n
\n\n\n\n\n\n\n\n\n\n
Entity<\/th>\nVIS Rate (approx. EA)<\/th>\nNon-VIS Rate (approx. EA)<\/th>\n<\/tr>\n<\/thead>\n
National Savings Fund<\/td>\nfrom ~10.8%<\/td>\nfrom ~12.2%<\/td>\n<\/tr>\n
Agricultural Bank<\/td>\n~11,9%<\/td>\n~13,1%<\/td>\n<\/tr>\n
Banco Caja Social<\/td>\n~12,4%<\/td>\n~13,0%<\/td>\n<\/tr>\n
BBVA Colombia<\/td>\n~12,6%<\/td>\nIt varies by profile.<\/td>\n<\/tr>\n
Highest rate in the market<\/td>\nup to ~16.5%<\/td>\nup to ~17%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

This table is indicative and based on lending rates published by the Financial Superintendency of Colombia (as of early 2026). Rates change frequently; verify the current rate at superfinanciera.gov.co and with each financial institution before making a decision.<\/em><\/p>\n

Common mistakes when comparing mortgage rates<\/h3>\n