{"id":3571,"date":"2026-09-18T02:54:11","date_gmt":"2026-09-18T00:54:11","guid":{"rendered":"https:\/\/lasmananitasnaturalmente.com\/formas-de-pago\/"},"modified":"2026-11-05T16:22:17","modified_gmt":"2026-11-05T15:22:17","slug":"formas-de-pago","status":"publish","type":"page","link":"https:\/\/lasmananitasnaturalmente.com\/en\/formas-de-pago\/","title":{"rendered":"Formas de pago y financiaci\u00f3n directa, sin banco"},"content":{"rendered":"
Payment options<\/div>

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

No bank paperwork and no co-signer: financing is directly with us. Parcelaci\u00f3n lots from COP 78,000 per m\u00b2 and gated-community lots between COP 95,000 and COP 275,000 per m\u00b2, depending on the lot\u2019s location. Here you can see exactly how payments work.<\/p>

<\/svg>Talk to an advisor<\/a>See the available lots<\/a><\/div><\/div><\/section>\n\n
Master table<\/div>

Works for any lot price<\/h2>
Option<\/th>Down payment<\/th>Monthly payment<\/th>Total paid<\/th><\/tr><\/thead>
Cash, 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>12 %<\/td>7.33% of the price<\/td>100%<\/strong> (base price)<\/td><\/tr>
24 months<\/td>12 %<\/td>4.12% of the price<\/td>110,8 %<\/td><\/tr>
36 months<\/td>12 %<\/td>2.90% of the price<\/td>116,3 %<\/td><\/tr><\/tbody><\/table><\/div>

There is no interest for up to 12 months. Over 24 and 36 months the balance pays a 12% effective annual rate (0.9489% per month) from the first installment. The 12% down payment includes the reservation deposit. Multiply each percentage by the lot price, or see the exact plan on each lot\u2019s page.<\/p>

Example in pesos: gated-community lot 10, priced at COP 130,000,000<\/h3>
Plan<\/th>Down payment<\/th>Monthly payment<\/th>Total paid<\/th><\/tr><\/thead>
Cash, 1 to 3 months<\/td>\u2014<\/td>\u2014<\/td>$117.000.000<\/td><\/tr>
Early payment, 4 to 6 months<\/td>\u2014<\/td>\u2014<\/td>$123.500.000<\/td><\/tr>
12 months, interest-free<\/td>$15.600.000<\/td>$9.533.333<\/td>$130.000.000<\/td><\/tr>
24 months<\/td>$15.600.000<\/td>$5.352.491<\/td>$144.059.780<\/td><\/tr>
36 months<\/td>$15.600.000<\/td>$3.766.286<\/td>$151.186.283<\/td><\/tr><\/tbody><\/table><\/div>

Calculated with the master table on the October 25, 2026 list price. Each lot\u2019s page shows the exact figures for that lot.<\/p><\/div><\/div><\/section>\n\n

Quote<\/div>

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

On each lot\u2019s page you can tap a payment option and see your plan with the installment, down payment and total. From there, an advisor will answer you on WhatsApp. If you haven\u2019t chosen a lot yet, message us and we\u2019ll help you pick one.<\/p>

<\/svg><\/span>Get a quote for your lot on WhatsApp<\/b>An advisor will reply, with no obligation<\/small><\/span><\/svg><\/span><\/a>Choose a lot on the map<\/a><\/div><\/div><\/section>\n\n
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 credited to the down payment.<\/p><\/div>

2<\/span>

Down payment<\/h3>

12% of the lot price, within the following 30 days.<\/p><\/div>

3<\/span>

Monthly installments<\/h3>

Cash or early payment, with a discount. Up to 12 months interest-free, or 24 and 36 months directly with us.<\/p><\/div>

4<\/span>

Deed<\/h3>

Once you finish paying for the lot, the public deed is signed and registered, with an individual property title.<\/p><\/div><\/div><\/div><\/section>\n\n

The fine print, in plain words<\/div>

What you should know before signing<\/h2>

Buyer review<\/h3>

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

Deed costs<\/h3>

Notary fees are split half and half between buyer and seller. The tax stamp and registration are paid by the buyer.<\/p><\/div>

Building permit<\/h3>

It can be requested once the lot is in the buyer\u2019s name on the certificate of title, that is, after the deed and registration.<\/p>

If the buyer withdraws<\/h3>

The reservation deposit is refundable during the fifteen-day hold. Once the promise of sale is signed, withdrawing carries a penalty of 20% of the lot price.<\/p><\/div><\/div><\/div><\/section>\n\n

<\/div>

I\u2019m buying from abroad<\/h2>

The same payment options as in Colombia. You can see the lot on a video call with your advisor, sign the promise of sale electronically and sign the deed through an attorney-in-fact, without traveling.<\/p>

See the guide for buyers abroad<\/a><\/div><\/div><\/div>
<\/div>

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

Each lot\u2019s price is on its page. Ask for a quote on WhatsApp and an advisor will confirm availability.<\/p><\/svg>Check price and availability<\/a><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"

Formas de pago Financiaci\u00f3n directa a 12, 24 o 36 meses, sin banco Sin tr\u00e1mite bancario y sin codeudor: la financiaci\u00f3n es directamente con nosotros. En parcelaci\u00f3n desde $78.000 por m\u00b2 y en condominio entre $95.000 y $275.000 por m\u00b2, seg\u00fan la ubicaci\u00f3n del lote. Aqu\u00ed ves exactamente c\u00f3mo se paga. Ver los lotes disponibles Tabla maestra Sirve para cualquier valor de lote Modalidad Cuota inicial Cuota mensual Total pagado De contado, 1 a 3 meses \u2014 \u2014 90 % (10 % de descuento) Pronto pago, 4 a 6 meses \u2014 \u2014 95 % (5 % de descuento) Hasta 12 meses, sin intereses 12 % 7,33 % del valor 100 % (precio base) 24 meses 12 % 4,12 % del valor 110,8 % 36 meses 12 % 2,90 % del valor 116,3 % Hasta 12 meses no hay intereses. A 24 y 36 meses el saldo paga el 12 % efectivo anual (0,9489 % mensual) desde la primera cuota. La cuota inicial del 12 % incluye la separaci\u00f3n. Multiplica cada porcentaje por el precio del lote, o mira el plan exacto en la ficha de cada lote. Ejemplo en pesos: el lote 10 de condominio, de $130.000.000 Plan Cuota inicial Cuota mensual Total pagado De contado, 1 a 3 meses \u2014 \u2014 $117.000.000 Pronto pago, 4 a 6 meses \u2014 \u2014 $123.500.000 12 meses, sin intereses $15.600.000 $9.533.333 $130.000.000 24 meses $15.600.000 $5.352.491 $144.059.780 36 meses $15.600.000 $3.766.286 $151.186.283 Calculado con la tabla maestra sobre el precio de lista del 25 de octubre de 2026. La ficha de cada lote muestra los valores exactos de ese lote. Cotizaci\u00f3n Cotiza el lote que te gusta En la ficha de cada lote puedes tocar una forma de pago y ver tu plan con la cuota, la inicial y el total. Desde ah\u00ed mismo un asesor te responde por WhatsApp. Si todav\u00eda no has elegido lote, escr\u00edbenos y te ayudamos a escoger. Cotiza tu lote por WhatsAppUn asesor te responde, sin compromisoElegir un lote en el plano El proceso Cuatro pasos 1 Separaci\u00f3n $5.000.000, con quince d\u00edas de reserva del lote a tu nombre. Se abona a la cuota inicial. 2 Cuota inicial 12 % del valor del lote, dentro de los 30 d\u00edas siguientes. 3 Cuotas mensuales De contado o con pronto pago, con descuento. Hasta 12 meses sin intereses, o a 24 y 36 meses directamente con nosotros. 4 Escritura Cuando terminas de pagar el lote se firma la escritura p\u00fablica y se registra, con matr\u00edcula inmobiliaria independiente. Letra menuda, en claro Lo que conviene saber antes de firmar Estudio del comprador Consultamos tu historial en Datacr\u00e9dito, pero no reportamos el cr\u00e9dito a las centrales de riesgo: la financiaci\u00f3n es directamente con nosotros, sin banco y sin codeudor. Gastos de escrituraci\u00f3n Los gastos notariales se pagan mitad y mitad entre comprador y vendedor. La boleta fiscal y el registro los paga el comprador. Licencia de construcci\u00f3n Se puede solicitar cuando el lote ya figure a nombre del comprador en el certificado de tradici\u00f3n y libertad, es decir, despu\u00e9s de la escritura y el registro. Si el comprador desiste La separaci\u00f3n es reembolsable durante los quince d\u00edas de reserva. Una vez firmada la promesa de compraventa, el desistimiento tiene una penalidad del 20 % del valor del lote. Compro desde el exterior Las mismas formas de pago que en Colombia. Puedes conocer el lote por videollamada con tu asesor, firmar la promesa de compraventa con firma electr\u00f3nica y firmar la escritura por medio de un apoderado, sin viajar. Ver la gu\u00eda para el exterior \u00bfCu\u00e1nto vale el lote que te gusta? El precio de cada lote est\u00e1 en su ficha. Pide tu cotizaci\u00f3n por WhatsApp y un asesor te confirma la disponibilidad.<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-3571","page","type-page","status-publish","hentry"],"yoast_head":"\nFormas de pago y financiaci\u00f3n sin banco | Las Ma\u00f1anitas<\/title>\n<meta name=\"description\" content=\"Compra de contado con 10% de descuento, pronto pago con 5%, o financiaci\u00f3n directa a 12, 24 y 36 meses sin banco ni codeudor. 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En parcelaci\u00f3n desde $78.000 por m\u00b2 y en condominio entre $95.000 y $275.000 por m\u00b2, seg\u00fan la ubicaci\u00f3n del lote. Aqu\u00ed ves exactamente c\u00f3mo se paga. Ver los lotes disponibles…","_links":{"self":[{"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/3571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/comments?post=3571"}],"version-history":[{"count":30,"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/3571\/revisions"}],"predecessor-version":[{"id":4483,"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/pages\/3571\/revisions\/4483"}],"wp:attachment":[{"href":"https:\/\/lasmananitasnaturalmente.com\/en\/wp-json\/wp\/v2\/media?parent=3571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}