Loan terms
Your housing loan process
Key aspects to make your credit effective
Appraisal
A report that establishes the commercial value of the property you intend to acquire.
Title study
The legal status of the property to be purchased is analyzed and assessed.
Notarial procedure
Signing of the purchase agreement and mortgage deed at the assigned notary's office and verification of the promissory note signature.
Registration
Recording of the public deed at the corresponding Office of Public Instruments Registry and constitution of the collateral in favor of Fondo Nacional del Ahorro.
Disbursement
Final step! Do not forget to deliver the registered deed along with the corresponding taxes to Fondo Nacional del Ahorro so that the loan funds can be transferred.
For more information
You may consult the current credit and Leasing Habitacional regulations.
Learn moreAppraisal
A report that establishes the commercial value of the property you intend to acquire.
Title study
The legal status of the property to be purchased is analyzed and assessed.
Notarial procedure
Signing of the purchase agreement and mortgage deed at the assigned notary's office and verification of the promissory note signature.
Registration
Recording of the public deed at the corresponding Office of Public Instruments Registry and constitution of the collateral in favor of Fondo Nacional del Ahorro.
Disbursement
Final step! Do not forget to deliver the registered deed along with the corresponding taxes to Fondo Nacional del Ahorro so that the loan funds can be transferred.
For more information
You may consult the current credit and Leasing Habitacional regulations.
Learn more- 1
1 Activity performed by FNA once the complete documentation has been filed.
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2 Timeframes corresponding to the affiliate and FNA.
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3 Timeframes corresponding to the affiliate and third parties involved in the transaction.
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4 Recuerda que esta oferta se calcula según el valor de la casa que pusiste en la solicitud de crédito. Así que, una vez que llegue el avalúo, si las condiciones de la vivienda cambian, la oferta de crédito podría bajar. Para leasing habitacional, el valor del inmueble tiene que ser mayor que el tope VIS.
Submission and filing of documents for property analysis
You may submit the initial documents for the analysis of your property through the following channels:
Email: send the documents in PDF format attached to the following address [email protected].
Our web portal: Fondo en Línea | Credit Section | Upload supporting documents. Through this link: Fondo en línea
Another alternative is to visit your nearest service point. Check here: Service Points
Once the documents have been uploaded online or delivered in person, we will contact you by phone or email to indicate the next steps. If you do not receive our call or email, you may visit the nearest service point to request further information or speak with a commercial advisor.
Below is a reminder of the documents required to begin the process, according to the requested purpose:
Documents required for the analysis of the selected property
*Applies to those procedures that have leasing with another financial entity and the lease contract is going to be transferred. The FNA may request additional documentation that it considers necessary for the legalization of the loan.
Other required documents
For the purpose of home improvement and construction, the maximum approved financing percentage cannot be exceeded, which is calculated based on the commercial value of the lot or house determined in the property's commercial appraisal. During the pre-legalization process, the documents provided will be reviewed, and if necessary, additional documents will be requested to continue validating the presented property.
If your loan is for the purchase of a new or used Social or Priority Interest home (VIS or VIP), under the peso amortization system, you can apply for up to 100% financing. This product is specially designed for members who do not own their own home.
The offer is valid for twelve (12) months, starting from the approval date.
The documents required to legalize your housing loan must be submitted through the institution's service channels (see page 1 of the appendix).
During the validity of the offer, you must complete the steps on your part (see page 2 of the annex) and obtain a favorable title study with authorization for deed execution. After twelve (12) months, if you haven't fulfilled what is stated in this offer, it will expire.