Requirements for Mi Casa ya: Everything you need to know

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Do you want to acquire a home through Mi Casa already and find out about the Requirements for it? You entered the correct portal Keep reading and find out what they are!

If you are looking for housing, you do not have a house of your own, you should consult the housing programs offered by the national government. You have income at 8 minimum wages, that is, 6,625,000.00 pesos. You have not been if you have been a member of housing allowances. This is the least time to fulfill your dreams.

Thanks to the program my house now millions of Colombians can access benefits. Today we present the Mi Casa Ya subsidy program and its different phases.

There are 160 thousand places throughout the country, ensure yours.

What is my house now

My every ya housing program

Mi Casa is already a government housing program, which provides subsidies to Colombians.

To facilitate the purchase of your own home, it is divided into three phases.

What is the program Mi Casa ya about?

The program My house what is it about, the purchase of new housing between 45 and 93 million pesos.

Requirements for Mi Casa ya

What are the requirements for this?

  • You cannot own a home
  • Nor be a beneficiary of another subsidy
  • Not being reported in credit centers

Who is the Mi Casa Ya program aimed at?

Who is the Mi Casa Ya program aimed at?

Families with internal incomes higher than the two minimum wages and less than the 4 minimum wages legal monthly.

How is the procedure

  • You must go to the sale room of the social housing projects.
  • Ask for My house already
  • Apply for the mortgage loan

In other words, for priority interest housing, in a period of 20 years you can have a fee of 232 thousand pesos.

And for low-income housing, with a term of 20 years, you can count on a quota of 420 thousand pesos.

Much less than what you pay for a rental.

Profits

What is the benefit?

  • The government provides a% of the down payment of the house
    Subsidy up to 30 minimum wages that is 24,847,000 pesos
  • Coverage of 5 points in the credit rate in pesos: 8.6 million in 7 years for self-interest housing.
    This means that between 30% and 40% of the monthly installments.
  • Hedges of 4 points in the loan rate in pesos 15 million distributed in 7 years for affordable housing.

What is the National Savings Fund

What is the Fund My house for savers about?

First of all, it has several benefits such as the following:

The government provides an initial four of the house and subsidizes 5 percentage points in the interest rate of the loan that is acquired.

For whom it is?

Families with incomes equal to or less than two minimum wages

What is it for?

To buy a house of 48 million pesos or less than that.

What are the requirements for this?

  • You cannot own a home
  • Nor be a beneficiary of another subsidy
  • Not being reported in credit centers

My House Now and the Interest Rate Subsidy

The benefit of this Subsidy is as follows:

The government subsidizes 2.5 percentage points of the interest rate of the loan that it contracts with the bank.

For whom it is?

It is aimed at families with incomes greater than 4 minimum wages and less than 8 legal monthly minimum wages that have the initial quota.

What is it for?

To buy a new home between 93 and 231 million pesos

What are the requirements of this?

  • You cannot own any other home
  • Neither beneficiary of other subsidies
  • Not being reported in credit centers for some reason.
  • Have the down payment of the property

How Mi casa ya works

First of all, you must fall in love with a housing project. Which must consist of between $ 48 and 93 million.

If you have already chosen a home to your liking, go to the bank that you feel most comfortable and of your preference. And apply for the required credit. All banks in the country participate in the program, including the national savings fund. Only with your identity card, the bank in just 5 minutes will tell you if you are suitable or not to have this credit.

In order to be enabled you must

  • Have a family income of 4 to 4 times the minimum wage
  • Not being a homeowner
  • Nor have they been a beneficiary of a government subsidy
  • Not being reported in credit bureaus

If you meet all the requirements and were enabled, you will only have to wait for the study and approval of the credit.

There it will be checked if you have the ability to pay.

The bank ends the study checks again through CIFIN that you continue to meet the initial requirements.

BACKGROUND makes the disbursement of the subsidy

All of this is done electrophonically.

That is how easy you can have your own home without raffles, without major paperwork in an agile and safe way.

This is thanks to the platform created with CIFIN

My house already It will continue until 2023 and in 2019 it will deliver 63 thousand subsidies

Check the requirements at the financial institution, and start your search for your own home on the following website: Click here

And for more information about Mi Casa you can already visit by doing click here

Thank you for always trusting us!

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