{"id":2780,"date":"2026-07-04T14:54:09","date_gmt":"2026-07-04T19:54:09","guid":{"rendered":"https:\/\/hepacom.org\/credito-hipotecario-por-banco\/"},"modified":"2026-07-06T11:47:28","modified_gmt":"2026-07-06T16:47:28","slug":"credito-hipotecario-por-banco","status":"publish","type":"post","link":"https:\/\/hepacom.org\/en\/credito-hipotecario-por-banco\/","title":{"rendered":"Mortgage loans by bank in Colombia: which one charges the least in 2026"},"content":{"rendered":"

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

Wilmer and Carolina, a young couple from Itag\u00fc\u00ed, were offered a loan by their payroll bank right away, "to avoid any further hassle." They almost signed. Out of curiosity, they requested a second quote from another institution, and the difference shocked them: over the same twenty-year term, they would end up paying several million more simply because they hadn't compared offers. The interest rate looked similar on paper, but it wasn't.<\/p>\n

In short: choose the mortgage loan from bank<\/strong> Choosing the right mortgage can save you millions, because there's a difference of up to 5.66 percentage points in the annual percentage rate (APR) between the cheapest and most expensive lenders, according to the Financial Superintendency. For social housing (VIS), the National Savings Fund offers the most affordable rate (10.79% APR, 3-month term) and La Hipotecaria the most expensive (16.45% APR, 3-month term). Here, we compare each bank individually, using official data, so you know where to look before signing.<\/p>\n

Which bank has the cheapest mortgage in Colombia?<\/h2>\n

As of May 2026, the Financial Superintendency<\/a> It shows that the average housing rate is around 13% effective annual interest, but the range is wide. For social housing (VIS), the National Savings Fund<\/a> The cheapest loan is offered by Banco de Occidente (16.11 %), followed by Banagrario (11.85 %), Banco Caja Social (12.39 %), and BBVA Colombia (12.59 %). At the other end of the spectrum are Banco de Occidente (16.11 %) and La Hipotecaria (16.45 %).<\/p>\n

The lesson isn't "the FNA always wins," but rather that your payroll provider doesn't necessarily offer the best rate. It's worth getting at least three quotes before deciding.<\/p>\n

And for non-VIS housing, which one is suitable?<\/h2>\n

In the non-VIS segment (housing above the social interest rate ceiling), the order changes slightly. FNA again leads the way with the most affordable rates (12.15 %), followed by Banco Caja Social (13.03 %), Banagrario (13.06 %), Ita\u00fa (13.45 %), and AV Villas (13.84 %). The most expensive on the list are Bancolombia (15.44 %) and Banco de Bogot\u00e1 (15.84 %). Other large institutions like Davivienda also offer mortgage loans; check their current rates directly, as they change monthly.<\/p>\n

Before comparing, it's helpful to know which segment your home falls into. Reading this will help. How mortgage loans work<\/a> and calculate your fee with our mortgage loan simulator<\/a>.<\/p>\n

Mortgage loans by bank: average rates 2026<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Entity<\/th>\nAverage VIS rate (EA)<\/th>\nAverage Rate Not VIS (EA)<\/th>\n<\/tr>\n<\/thead>\n
National Savings Fund<\/td>\n10.79 %<\/td>\n12.15 %<\/td>\n<\/tr>\n
Banagrario<\/td>\n11.85 %<\/td>\n13.06 %<\/td>\n<\/tr>\n
Banco Caja Social<\/td>\n12.39 %<\/td>\n13.03 %<\/td>\n<\/tr>\n
BBVA Colombia<\/td>\n12.59 %<\/td>\n\u2014<\/td>\n<\/tr>\n
Ita\u00fa<\/td>\n\u2014<\/td>\n13.45 %<\/td>\n<\/tr>\n
AV Villas<\/td>\n\u2014<\/td>\n13.84 %<\/td>\n<\/tr>\n
Bank of Bogot\u00e1<\/td>\n14.81 %<\/td>\n15.84 %<\/td>\n<\/tr>\n
Bancolombia<\/td>\n14.94 %<\/td>\n15.44 %<\/td>\n<\/tr>\n
Bank of the West<\/td>\n16.11 %<\/td>\n\u2014<\/td>\n<\/tr>\n
The Mortgage<\/td>\n16.45 %<\/td>\n\u2014<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Average mortgage rates by institution. Source: Financial Superintendency of Colombia, as of May 22, 2026. Rates change constantly; check the current rate at superfinanciera.gov.co<\/a> and with each bank before deciding.<\/em><\/p>\n

Common mistakes when choosing a bank<\/h3>\n