
December 8, 2020
Save your FNA Lease
Start saving your rent if you are affiliated to the Fondo Nacional del Ahorro through severance payments, and if your income is between 2 and 6 SMMLV*. You only need to fill out the form and gather the required documents to file your application.
Benefits.
- Finance up to 100% of the value of your new home.
- Finance up to 95% of your used home (not older than 5 years, horizontal property).
- 0% purchase option.
- Financing terms of up to 30 years, which allows for a higher credit amount and lower installment value.
- Save on the cost of credit study, title study and appraisal, this is assumed by the Fondo Nacional del Ahorro (National Savings Fund).
- Unemployment insurance that covers up to 12 installments if you lose your job**, plus coverage of:
- Debtor group life insurance.
- Debtor group fire insurance.
- You can take advantage of the National Government's subsidy program, Mi Casa Ya:
- If your income is between 2 and 4 SMMLV*, the subsidy is 20 SMMLV*.
- Mi Casa Ya - Rate Coverage***.
- If the value of your new home is between 70 SMMLV* and 135 SMMLV*, the coverage will be 4 points.
- If the value of your new home is between 135 SMMLV* and 435 SMMLV*, the coverage will be 2.5 points.
*SMMLV: Minimum Monthly Legal Minimum Wage in Force.
**Product conditions apply.
***Applies only to new homes.
Fees
Cesantías UVR
Monthly income (SMMLV) | Credit Rate | |
---|---|---|
Desde | Hasta | UVR (+) |
>2.00 | 3.00 | 5.00 % |
>3.00 | 4.00 | 6.00 % |
>4.00 | 5.00 | 7.00 % |
>5.00 | 6.00 | 7.00 % |
Conditions:
- Vivienda nueva o usada 5 años (P. Horizontal).
- Sistemas UVR.
- Tipo de vivienda VIS y NO VIS.
- Plazo: 30 años UVR.
- Canon inicial nueva: 0%.
- Canon inicial usada: 5%.
- Opción compra: 0%.
Required Documentation
Employees
- Fully completed single credit application form.
- Photocopy of identity card.
- Certificate of Income and Withholdings for the last year and photocopy of the Income Tax Return or Letter of Non-declaration as applicable.
- Labor certification not excaeeding 60 days.
- Payment/withdrawal/pension statements for the last three months.
- Certification of the monthly allowance of the position in property for members who are on assignment.