Are you thinking of buying a home this 2023? Those interested can acquire some types of subsidies to cover part of the cost of the property. We tell you what they are.
According to the Ministry of Housing, this subsidy is a “State contribution in money or in kind delivered once to the beneficiary household, which is not returned and which constitutes a complement to facilitate the acquisition of new housing, construction on its own site or improvement of social interest housing.”
My House Already
This is a program through which the Government provides subsidies to buy new housing to the most vulnerable households. It is aimed at those people who have not been beneficiaries of another subsidy and who, in addition, do not own another property at the national level.
To access this type of contribution, the interested household must have completed the Sisbén IV survey and have a classification equal to or lower than D11 for urban households. In the case of rural homes, it must be D20.
(Also read: Are you planning to buy a home? These are the three government subsidies in 2022).
According to the Ministry of Housing, those interested should look for the home of their choice in the real estate market -it can be new of social or priority interest, urban or rural- and, immediately afterwards, approach the financial institution of their choice to process the mortgage credit or housing leasing covered by the measure.
Mi Casa Ya is a program through which subsidies are given to buy new housing to the most vulnerable households.
“The subsidies are granted with a prioritization for the population in special conditions of vulnerability, and those located in rural areas and small municipalities”, explains the entity. Every household that wants to be part of the program will be assigned a score from 0 to 100, depending on its characteristics and the location of the housing project it wishes to acquire. In this line, the subsidies will be delivered to those with the highest score.
The amount of the planned subsidy of the Sisbén group. In the case of urban areas, households that are between groups A1 and C7 receive a subsidy of 30 current legal monthly minimum wages for the payment of the initial fee; while those with a classification between C8 and D11 have the possibility of accessing a subsidy corresponding to 20 SMMLV.
For rural areas, groups between A1 and C14 can obtain a subsidy of up to 30 SMMLV, 10 less than those with a Sisbén classification between C15 and D20, since the amount is 20 SMMLV.
Housing subsidy with compensation funds
Luis Guillermo Reyes, Superintendent of Family Subsidy, reported that “Family compensation funds will allocate in 2023 about $1.2 billion for the delivery of housing subsidies to affiliated workers who earn less than four current legal minimum wages.”
This subsidy will be granted only once to those who wish to acquire a new property, build their own home or improve an existing one. If you wish to request it, you must request the form from the family compensation fund, fill it out and attach the following documentation, according to the page of the Presidency of the Republic.
(Keep reading: Non-VIS housing allowance: this is how you can access this benefit in 2022).
To obtain this subsidy, you must be affiliated with a compensation fund.
-Sworn statement of household members stating that they meet the conditions to be beneficiaries of the subsidy
– Proof of the entity where the previous savings were made, in which the amount and immobilization of the savings appeared.
– Civil marriage registry or proof of the de facto marital union, if applicable.
– Civil birth registration of the other members that make up the household.
– Document proving the status of female head of household (when applicable).
– Medical certificate proving the physical or mental disability (when applicable).
– That their total family income does not exceed the equivalent of four (4) current legal monthly minimum wages.
concurrent allowance
According to the National Savings Fund, the concurrence of subsidies allows families to combine the subsidy from the compensation fund and that of Mi Casa Ya. Interested households may have the possibility of accessing up to 50 current legal monthly minimum wages.
Among the requirements to be part of this concurrency subsidy is not being the owner of any home, not having previously accessed other subsidies and being households that have up to 4 minimum wages. Remember that it only applies to new housing of social interest.
(Of interest: Housing subsidies: these would be the beneficiaries during the government of Gustavo Petro).
The concurrent subsidy only applies to social interest housing.
To request this state contribution, all you have to do is go to the family compensation fund and manage the subsidy. the private entity is in charge of requesting the authorization of concurrence of subsidies. Later, the beneficiary will be notified that the procedure has been authorized and they will have 10 business days to go to a financial institution.
DIGITAL SCOPE WRITING
TIME
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