Mortgage calculator
Estimate the monthly payment on a Medellín property — at the rates and terms foreign buyers actually get.
- Loan amount
- $224,000
- Down payment
- $96,000
- Total interest
- $390,346
- Total paid
- $614,346
Estimate only. Real terms depend on residency, currency, and bank. Foreign buyers use cross-border lenders — we walk you through it.
The number on the left isn't the whole story.
A monthly payment looks tidy. It's also missing HOA, property tax, insurance, and the cost of holding currency that fluctuates against COP.
Foreign buyers usually pay more than the headline rate suggests once you stack in cross-border lending fees and FX. Use this as a starting point, then call us.
When this estimate is reliable
- You're paying mostly in USD or EUR and locking the COP rate at closing.
- You're putting at least 30% down — most foreign-buyer programs require it.
- You're holding the property at least 5 years (under 5y, fees eat amortization).
When the math is lying to you
- If you plan to buy in COP and earn in USD, currency moves can swallow your gains.
- Local Colombian banks rarely lend to foreigners — the rate above assumes foreign-buyer cross-border programs.
- Pre-construction units have a different payment schedule entirely (40% on signing, 30% during build, 30% at delivery).
The questions we get most.
Don’t see your question? WhatsApp us — we keep this list updated from the questions you actually ask.
From the journal
El Poblado vs. Laureles in 2026: which one is for you?
Both barrios get oversimplified online. After eight years showing properties in both, here's the actually-useful comparison.
How foreign buyers are actually financing Medellín property in 2026
Cross-border financing has changed. Here's the real menu of options — and what the banks won't say out loud.
Five pre-construction projects worth watching this quarter
Builder-direct pricing isn't always the deal it sounds like. Here are the projects where the math actually works.
What pairs with this.
Talk to someone who’s run this math 1,000 times.
Bring the numbers from above. We’ll tell you which assumptions are tight and which are wishful, and where the deal actually lives.