This work proposes a home loan scheme through a microcredit that matches with the
economically active population cash flow who has no formal employment or faces a weak
economic status and is excluded from the traditional financial system in Colombia.
Several national and international cases are analyzed in which microfinance
institutions offer alternatives to home loans, adaptations and even self-constructions. It is a
very important contribution in order to improve economically poor population.
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It should be noted that not only the financial sector has adopted these financing
solutions, because de real sector has also managed to promote new products and achieved
some markets that were not taken in account.
In order to elaborate an attractive model to any financial institution, the investors and,
mainly, the potential clients in Colombia, gaps are analyzed so barriers can be overcome.
Finally, several scenarios are modeled with the purpose of identifying the necessary
conditions, so the scheme proposed is viable taking into account the different participants´
requests