Colombia Mortgage Affordability Calculator · August 17, 2026 · Colombia · Rules 2026
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Colombia Mortgage Affordability Calculator
Colombia · Rules 2026 · Last reviewed: August 16, 2026 · Estimate
Estimate a home price from net income using a stated debt-to-income assumption.
Informational estimate. It does not determine what you are owed or must pay. It is not professional advice and not a government service.
Your estimate
Enter your figures to get an estimate.
Press Calculate when the numbers on the left are ready. The estimate appears here.
How the calculation works
Banks set their own rules. This is a planning estimate using a DTI you can change.
Formula
Max housing payment = net income × DTI − other debts.
Worked example
A household with COP 5000000 net monthly income and 20% down.
Estimated affordable home price
COP 170,286,406
- Housing DTI used30%
- Maximum housing payment1500000.00
- Maximum loan136229124.52
- Home price with stated down payment170286405.65
Official sources
This tool uses general mathematics rather than a country-specific statute.
Assumptions
- Default DTI is 30% of net monthly income.
Not covered
- Credit score and bank overlays.
FAQ
Is 30% a legal cap?
No. It is a planning assumption.
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Found a possible error in this calculation? Report it
This tool provides an estimate based on the stated assumptions, exclusions and rules. Your actual result can vary. It is not tax, legal, accounting or employment advice, and it is not an official government calculator.