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Free Investment Credit with Mortgage Guarantee

Home Equity Loans

With our personal loans you will be able to consolidate debts, enjoy trips, purchases, remodel your home, invest in health and other options with the best financing conditions.

Credit to access resources of free destination or for debt unification


  • You can use it to consolidate liabilities or for whatever you want.
  • Term from 5 to 15 years.
  • It is not subject to the acquisition of other products.
  • Rate of the most competitive in the market, fixed or variable according to your ability to pay.
  • Free credit study.
  • Channels at no cost to make your update requests, queries and modifications on your disbursed credit.
  • You can make the payment of your monthly fee through our website, through the Colpatria Line, automatic debit from a Colpatria account or in our branch network.
  • You can make your queries, requests, modifications or update information about your credit through our website, Colpatria Line, or Customer Service.


  • Free investment credit application with mortgage guarantee duly completed by all holders, signed and with fingerprints. Download it here .
  • For the consolidation of liabilities, the Liabilities List format and a copy of the last extract of the obligations to be paid. Photocopies of the holders’ ID.
  • Labor certification no older than 60 days.
  • Pay slip for the last month.
  • If you are independent, an extract from the last three months, supporting documents for your activity.
  • If you are a pensioner, certification of the entity, detachable from the payments of the last 3 months.
  • Original release certificate of the property is required, issued no more than 60 days.


  • Financing in Pesos.
  • The Housing credit plus the additional free investment quota may not exceed 70% of the value of the property.
  • Minimum value of housing: No VIS housing in accordance with decree 1467 of 2019.
  • Minimum credit amount $5 million.
  • You can file simultaneously with the home equity loan, and/or have a home loan disbursed.

If you have suffered from a bad credit history in the past, you may still qualify for a secured loan. Every year, millions of people apply for and accept secured loans to finance vehicles, properties, vacations and home renovations. But before you sign on the dotted line, there are some important details you need to know about secured loans.

These creditors allow borrowers with a history of debt to obtain secured credit. This is done to eliminate or minimize the financial risks that could befall the lender if the debt is not properly paid. Secured loans are a more attractive alternative to high-interest unsecured loans that require additional fees and can be more difficult to obtain. Most secured loans offer favorable terms and repayment periods.


Financial institutions offer four types of secured loans including mortgage loans, non-recourse loans, foreclosure and repossession. The last two may surprise many readers since foreclosures and liens are not generally considered types of loans.

Because all secured loans require some type of collateral, a mortgage loan establishes that the property will act as collateral for the mortgage. If the mortgage is not paid, the applicant will lose the property. Loans without collateral are guaranteed loans that stipulate that only the guarantee will be available for claim, in the event that the loan applicant so wishes.

In this case, collateral can be a vehicle, expensive jewelry, property, or stock. A foreclosure is a secured loan in which the property is resold to recover money lost on an unpaid loan. A foreclosure is only applicable to one property. Repossession is similar to a foreclosure in that the plaintiff (for example, the bank) can obtain money through debts incurred from the purchase of a vehicle. In the last two cases, the property and the vehicle are the collateral that allows both types of loans to function as a secured loan.

There are several ways to create a secured debt, including a contractual agreement, a legal lien, a judgment, or a lien. The creditor will have to authorize a contractual agreement, in which the creditor would have a security interest in the items purchased with the loan money. These items may include vehicles or real estate.


If a borrower fails to honor everything agreed to on the loan, the borrower will be subject to fees and penalties, as well as possible foreclosure or garnishment. In some cases, the financial entity or the lender will allow the borrower to pay the money owed, which is in arrears. The longer you pay off the money owed in advance, the more likely it is that the borrower won’t keep the collateral and will propose to take out another secured loan.

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