Procedures and Services
Here you will find the procedures available at each life stage, how to make the corresponding payments, the services offered by the FNA, and the requirements you must meet.
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Procedures
Enrollment and Withdrawals
Enrollment with the Fondo Nacional del Ahorro (Cesantías / Voluntary Savings)
Enrollment is the act of registering with this institution, either through a contract in which you commit to making deposits in an agreed amount and at regular intervals (Voluntary Savings), or through your Cesantías, from the date of your application onwards, which your employer must deposit or transfer to the Fondo Nacional del Ahorro.
Withdrawal or Cancellation of AVC (Ahorro Voluntario Contractual) Account
Find out the step-by-step process a financial consumer must follow to withdraw the funds saved in their voluntary savings account.
Withdrawal of Cesantías from the Fondo Nacional del Ahorro
Partial Cesantías withdrawals may be used for: purchase of housing or a lot, construction or improvement of housing, release of a mortgage lien, purchase of State-owned shares, payments toward a spouse's FNA loan, or education (tuition or fees). A definitive Cesantías withdrawal may be made for: employment termination, employment termination with remaining balance, withdrawal on behalf of a deceased member, or transfers to private funds.
Loan procedures
Housing loan through Cesantías and Voluntary Savings
This is the housing loan granted by the Fondo Nacional del Ahorro to the member through their Cesantías, available under the modalities of new or used home purchase, construction or improvement of housing, and release of a mortgage lien.
Formalization of housing financing in accordance with the requested purpose
This is the means by which the member of the Fondo Nacional del Ahorro formalizes the approved Housing Loan.
Application of Cesantías to future installments
Means by which a member of the National Savings Fund (Fondo Nacional del Ahorro) requests that their severance pay funds be applied to their mortgage or educational loan.
Formalization of the educational loan
This is the means by which the member of the Fondo Nacional del Ahorro formalizes the approved Educational Loan.
Collateral procedures
Mortgage cancellation
Find the procedures of the Fondo Nacional del Ahorro here. Review the details of each process and check the costs to submit your request easily and quickly.
Substitution of collateral property
The means by which the member of the Fondo Nacional del Ahorro and beneficiary of a Housing Loan may request the substitution of the mortgage collateral.
Ownership procedures
Substitution of borrower
This is a change in the debtor on record as a result of the dissolution of a marital estate. The new borrower must meet all requirements established by the Fondo Nacional del Ahorro.
Establishment of a payment agreement
This is a conciliation procedure aimed at normalizing a mortgage obligation in default by paying additional installments on top of the regular loan installment over a specified period.
Insurance procedures
Fire insurance claim
The means by which the member insures the property given as collateral to the Fondo Nacional del Ahorro under housing loans.
Group debtor life insurance claim
The means by which the member requests coverage for the beneficiaries of a housing loan approved by the Fondo Nacional del Ahorro, provided that the insured party is a different person from the borrower bearing the loan obligation. In all cases, the FNA assumes the role of policyholder and primary beneficiary.
Unemployment insurance claim
This is the means by which a Cesantías member who is unemployed requests that the Fondo Nacional del Ahorro pay the outstanding monthly installment of the housing loan granted to them.