00:00Today we are going to talk about housing.
00:01Is it part of the 45% of the Colombian people who live in a house?
00:05Why not buy your own house?
00:07For housing of social interest, for example,
00:09there is a program that would help you to pay
00:11up to the 30% of the monthly quota of your tax credit.
00:15Only you have to know that if you earn less than 8 minimum salarios
00:18or 5.9 millions of pesos,
00:20it applies to the conditions.
00:21Also, the program applies to the housing of 135 minimum salarios
00:26or 100 million of pesos.
00:27So, for example, if you earn less than 2 million of pesos,
00:31you can afford to finance your tax credit with a tax credit of 12% annual.
00:35So if you buy a house of 99 million of pesos,
00:38you would pay about 760.000 for 15 years.
00:42But thanks to the tax credit,
00:44the tax credit could be reduced to 220.000,
00:47so you would pay about 530.000 every month.
00:51While in Vivienda Nobis,
00:53recently announced 40.000 coupons
00:55to subsidize tax interest of housing of between 100 and 321 million.
01:00The benefit applies independently of the family ingreses,
01:03and gives a discount of up to 2.5% in the tax interest.
01:07That is, if your tax annual is of 10%,
01:09it would be 7.5%.
01:11So, if you buy a house of 320 million,
01:14you would pay about 2.2 million to 1.9 million.
01:19You would pay more than 300.000.
01:21You would pay more than 300.000.
01:22However, the majority of the banks
01:23will pay for more than 30% of the value of the housing that you want to buy.
01:29That is, you would pay about 30.000.000 for that of 90.000.000,
01:33or more than 96.000.000 for that of 321.000.000.
01:36The good news is that recently also launched a program to finance this requirement,
01:42that is, a credit tax credit without initial cost.
01:45The program is called Ahorra Tu Arriendo,
01:47from the National Bank of the Ahorror,
01:48and seeks that the citizens who have their rents in the FNA
01:51can convert the monthly payment of your rents
01:54in the capital to obtain your own home.
01:56In the case of new housing,
01:58you can finance up to 100% of your value,
02:00while in the housing used,
02:02the number of housing is up to 95%.
02:04This product is intended for people who earn between 2 and 6 minimum salarios
02:08minimums,
02:09that is,
02:10between $1.470.000 and $4.420.000.
02:15The citizens who use it will be able to access a BIS,
02:18whose maximum amount is 135 salarios minimums,
02:21or about $99.5 million.
02:23All these benefits can be issued in the same bank
02:26as you want to ask for financing,
02:28so you don't have to make any changes or changes with the state.
02:31How do you see?
02:33comprar vivienda is a dream that can be real.
02:35$10.640.000
02:37.
02:37.
02:38.
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