Mortgage-backed loans
If you own real estate and need liquidity, we advise you on obtaining a loan using your property as mortgage collateral. A serious, clear process with guidance from start to finish.
How does it work?
Tell us your case through the form or WhatsApp.
We evaluate the property and the loan conditions.
We connect you with the lender and accompany the whole process.
Basic requirements
You only need three documents to start the study.
Certificate of title (tradición y libertad)
Up to date, issued no more than 30 days ago.
Current year's property tax
The bill or the payment receipt for the current property tax.
Photos or videos of the property
Recent images that show the current condition of the property.
The owner's ID (cédula) is also required. The property must be free of liens or encumbrances.
Cost of the loan
- Interest rate
- Between 1.8% and 2% per month on the outstanding balance, payable at the start of each month. Since payments toward principal are allowed at any time, the interest decreases every time you pay: it is always charged on the remaining principal.
- Brokerage fee
- 3% of the loan amount, charged once.
- Notary and registration costs
- Paid by the client. Approximately between $480,000 and $1,000,000 COP, depending on the entries and liens recorded on the property.
Representative example
Loan of $50,000,000 COP over 36 months, at a rate of 2% per month, with no payments toward principal during the term.
- Approximate interest$36,000,000
- Brokerage fee$1,500,000
- Estimated notary costs$900,000
- Effective annual rate24%
This is the highest-cost scenario. By making payments toward principal, the total amount paid is considerably lower.
Final conditions depend on the property appraisal and on the review of each case. Su Capital Al Instante acts as a broker under article 1.340 of the Colombian Commercial Code; it does not provide the funds directly.
Frequently asked questions
It is a loan in which a person pledges their own property as collateral to obtain money. The owner keeps possession and use of the property as long as the agreed payments are met.
The use is entirely up to you. The most common uses are personal investment, debt payment, working capital for a business, education and home renovation.
It depends mainly on the commercial value of the property. In most cases lenders grant between 30% and 40% of that value. The exact amount is defined after each case is studied.
We do not check credit bureaus. What is required is that the property be free of liens.
Yes. Being an employee or proving an employment relationship is not a requirement.
Houses, apartments, commercial spaces, offices and warehouses.
Disbursement normally takes place within 24 to 48 hours, once the complete documentation has been received and verified.
No. The mortgage is a guarantee: you keep ownership and continue using the property normally as long as you meet the agreed payments.
Yes. You can continue living in it or using it completely as usual.
The term is flexible. As long as you stay current on interest, you decide when to pay down the principal, with no fixed deadline.
Yes. Payments toward principal are allowed at any time, without penalty. Many clients pay off the loan earlier than planned and save significantly on interest.
The rate is between 1.8% and 2% per month on the outstanding balance, charged at the start of each month. On top of that there is a one-time brokerage fee of 3%, plus notary and registration costs, which are paid by the client. Since payments toward principal are allowed at any time, the interest goes down every time you pay, because it is always calculated on the remaining principal. On the same page you will find the full detail with an example.