{"id":58,"date":"2026-09-16T03:45:03","date_gmt":"2026-09-16T03:45:03","guid":{"rendered":"https:\/\/elrosarionaturalmente.com\/formas-de-pago\/"},"modified":"2026-11-12T19:42:23","modified_gmt":"2026-11-12T19:42:23","slug":"formas-de-pago","status":"publish","type":"page","link":"https:\/\/elrosarionaturalmente.com\/en\/formas-de-pago\/","title":{"rendered":"Payment options"},"content":{"rendered":"
Payment options<\/div>

Direct financing over 12, 24, 36 or 48 months, no bank needed<\/h1>

No bank, no bank paperwork and no co-signer. Gated-community lots from COP 123,000 per m\u00b2 and parcelaci\u00f3n lots at COP 225,000 per m\u00b2: here is how payment works.<\/p><\/div><\/div>

Master table<\/div>

Works for any lot price<\/h2>
Type<\/th>Down payment<\/th>Monthly payment<\/th>Total paid<\/th><\/tr><\/thead>
Paying in full, 1 to 3 months<\/td>\u2014<\/td>\u2014<\/td>90%<\/strong> (10% discount)<\/td><\/tr>
Early payment, 4 to 6 months<\/td>\u2014<\/td>\u2014<\/td>95%<\/strong> (5% discount)<\/td><\/tr>
Up to 12 months, interest-free<\/td>15%<\/td>7.08% of the price<\/td>100%<\/strong> (base price)<\/td><\/tr>
24 months<\/td>15%<\/td>3.98% of the price<\/td>110,4%<\/td><\/tr>
36 months<\/td>15%<\/td>2.80% of the price<\/td>115,7%<\/td><\/tr>
48 months<\/td>15%<\/td>2.21% of the price<\/td>121,2%<\/td><\/tr><\/tbody><\/table><\/div>

Paying in full within 1 to 3 months, 10% discount; with early payment within 4 to 6 months, 5% discount. There is no interest for up to 12 months. At 24, 36 and 48 months, the balance carries a 12% effective annual rate (0.9489% monthly) from the first payment. The down payment is 15% and includes the reservation deposit. Multiply each percentage by the lot price, or request your personalized quote with the button on each lot's page.<\/p>

Example in pesos: a COP 240,000,000 lot<\/h3>
Plan<\/th>Down payment<\/th>Monthly payment<\/th>Total paid<\/th><\/tr><\/thead>
Paying in full, 1 to 3 months<\/td>\u2014<\/td>\u2014<\/td>$216.000.000<\/td><\/tr>
Early payment, 4 to 6 months<\/td>\u2014<\/td>\u2014<\/td>$228.000.000<\/td><\/tr>
12 months, interest-free<\/td>$36.000.000<\/td>$17.000.000<\/td>$240.000.000<\/td><\/tr>
24 months<\/td>$36.000.000<\/td>$9.544.651<\/td>$265.071.636<\/td><\/tr>
36 months<\/td>$36.000.000<\/td>$6.716.104<\/td>$277.779.735<\/td><\/tr>
48 months<\/td>$36.000.000<\/td>$5.310.864<\/td>$290.921.451<\/td><\/tr><\/tbody><\/table><\/div>

Calculated with the master table: a 15% down payment (including the COP 5,000,000 reservation deposit) and, at 24, 36 and 48 months, a 12% effective annual rate on the balance from the first payment. Each lot's page shows the exact figures for that lot.<\/p><\/div><\/div><\/div>

Quote<\/div>

Get a quote for the lot you like<\/h2>

Every lot page has the button Get a quote for this lot here<\/strong>: an advisor will reply on WhatsApp with the price, the down payment and the payment method you prefer. If you haven't chosen a lot yet, message us and we'll help you pick one.<\/p>

<\/svg><\/span>Get a quote for your lot on WhatsApp<\/b>An advisor will reply<\/small><\/span><\/svg><\/span><\/a>Choose a lot on the map<\/a><\/div><\/div><\/div>
The process<\/div>

Four steps<\/h2>
1<\/span>

Reservation deposit<\/h3>

COP 5,000,000, holding the lot in your name for fifteen days. It is applied to the down payment.<\/p><\/div>

2<\/span>

Down payment<\/h3>

15% of the lot price, within the following 30 days.<\/p><\/div>

3<\/span>

Monthly payments<\/h3>

Paying in full or with early payment, at a discount. Up to 12 months interest-free, or over 24, 36 and 48 months, directly with us.<\/p><\/div>

4<\/span>

Deed<\/h3>

The public deed is signed once 100% of the lot has been paid, and it is then registered. Each lot comes with its own individual property title.<\/p><\/div><\/div><\/div><\/div>

The fine print, made clear<\/div>

What you should know before signing<\/h2>

Buyer review<\/h3>

We check your history with Datacr\u00e9dito, but we do not report the credit to the credit bureaus: the financing is directly with us, with no bank and no co-signer.<\/p>

Deed closing costs<\/h3>

Notary fees are split half and half between buyer and seller. The buyer pays the deed registration tax (boleta fiscal) and the registration fees.<\/p><\/div>

Building permit<\/h3>

It can be requested once the lot is in the buyer's name on the certificate of title (certificado de tradici\u00f3n y libertad), that is, after the deed is signed and registered.<\/p>

If the buyer withdraws<\/h3>

Once the purchase agreement (promesa de compraventa) is signed, withdrawing carries a penalty of 20% of the lot price.<\/p><\/div><\/div><\/div><\/div>

<\/div>

I'm buying from abroad<\/h2>

Pay in full with a 10% discount. You can sign through an attorney-in-fact, without traveling. A video call from the lot with your advisor. A step-by-step guide for buyers in the United States.<\/p>

How to buy from the United States<\/a><\/div><\/div><\/div>
<\/div>

How much is the lot you like?<\/h2>

Gated community: from COP 123,000 per m\u00b2. Parcelaci\u00f3n: COP 225,000 per m\u00b2. Each lot's price is on its page. Request your quote on WhatsApp from the lot's page and an advisor will confirm availability every day: Monday and Tuesday from 8:30 a.m. to 4:30 p.m., Wednesday to Saturday from 9:00 a.m. to 4:30 p.m., and Sundays and holidays from 10:00 a.m. to 5:00 p.m.<\/p><\/svg>Check price and availability<\/a>\n<\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

Contado con 10% de descuento, pronto pago con 5% o financiaci\u00f3n directa hasta 48 meses, sin banco ni codeudor. Cotizaci\u00f3n por WhatsApp.<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-58","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/58","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/comments?post=58"}],"version-history":[{"count":25,"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/58\/revisions"}],"predecessor-version":[{"id":777,"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/58\/revisions\/777"}],"wp:attachment":[{"href":"https:\/\/elrosarionaturalmente.com\/en\/wp-json\/wp\/v2\/media?parent=58"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}