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According to the Colombian Banking and Financial Entities Association, Asobancaria, there are already companies in this sector that are doing the legal procedures to grant this benefit; and at the same time, there are others that have already begun to offer it: Bancolombia, Banco de Bogotá and Bbva.
In that sense, Cristina Arrastía, vice president of business at Bancolombia, indicated that the Government had 20,000 subsidies to be distributed this year by financial institutions, while 40,000 will be delivered in 2021, and the remaining 40,000 in 2022.
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Well, on the way in which that bank will grant them, he exalted that both new and old clients of its portfolio that comprises more than 12 million people will be able to apply, who will find details and advice on its website or by contacting advisors at its branches .
In general, interested parties must submit the application to obtain a housing loan or housing leasing, along with the application form for the subsidy “in which they state that they know the terms of access, validity and grounds for termination,” indicates Bancolombia.
Citizens who benefit will be assigned the subsidy at the time the loan is disbursed, and also, said Arrastía, there are facilities to access it as pre-approved for the purchase of housing, risk studies in less time and a simulator of how the customer fees would be.
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For its part, Banco de Bogotá explained in a document that there the requirements to access the subsidy are the prior application to be a beneficiary and have the credit or housing leasing approved and legalized.
Julián Rojas, executive vice president of Banco de Bogotá, pointed out in the aforementioned statement that this can be done in physical branches; Through the entity’s advisers who attend sales rooms of allied construction companies; or by the easiest route, the portal, in which pre-approval can take a few minutes and approval can take 48 hours. “55% of the loans approved by Banco de Bogotá in 2020 have been processed digitally,” the firm reported.
Meanwhile, Bbva said that people can now approach their offices and ask how to access the subsidy, although they clarified that next week they will provide more specific information on the process.
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For its part, Scotiabank Colpatria assured that it expects to make the first disbursements of this type in October and that it has “mapped” the credits in process that would apply to the benefit.
In turn, the Caja Social Bank mentioned that customers who have submitted a mortgage loan application can inform their intention to obtain the subsidy, so that once the entity is authorized to make the disbursements, they can continue with the filling in writing. Thus, the benefit to access non-VIS housing begins to take its first steps in the country, remember that the quotas are national and not regional.
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