How to compare proposals
To compare scenarios, change one variable at a time. Keep principal and rate constant when studying the term; then hold the term constant to assess another rate. For an effective annual rate, the equivalent monthly rate is (1 + annual rate) raised to 1/12, minus 1. As a simple check, financing COP 12 million over twelve months at zero interest gives a COP 1 million principal payment before charges. This is a mathematical example, not an available offer.
Information to prepare
Define your price range and estimated initial contribution.
Summarise monthly income and commitments without statements.
State residence and income currency if you live abroad.
What changes the cost
Budget complexity and required scenarios.
Foreign-currency income or financing conditions.
Depth and follow-up of the agreed support.
Common mistakes
Confusing an effective annual rate with a nominal rate divided by twelve.
Forgetting insurance, taxes and purchase expenses.
Treating a simulation as a bank offer or approval.
How to move forward
We establish your goal, income currency and available funds.
We model scenarios and identify additional costs.
You prepare for assessment by the relevant institutions.
You can commission this service for a property that is not listed by Renwork. Your first enquiry only needs a case description, municipality and contact details. After scoping, you will receive a quote with the scope, responsible professional, fees and next steps. In-person coverage is focused on Antioquia; remote advice concerns Colombian matters.
General preparation guide. Professional assessment depends on the assignment and information reviewed.
Scope references and further reading
References for understanding the speciality, not endorsements of Renwork. Overseas sources do not establish Colombian requirements.