How to finance the finishes on your shell-stage apartment: payment options

Most mortgages in Colombia finance the value of the apartment in shell condition, not the finishes — which means you need a separate budget to go from shell-stage to move-in ready, and it's better to have that clear before you get the keys, not after.

Personal savings set aside specifically for this stage, a general-purpose loan (with different rates than a mortgage — worth comparing), or staged payments tied to real construction progress — so disbursements match the project's pace instead of committing the full amount up front.

Because a vague price range ("it depends on how it goes") makes financing almost impossible to plan. With a fixed price and a written timeline in weeks from day one, you can calculate exactly how much you need and when — without mid-project overcharge surprises.

A 30% deposit to start the work, installments tied to progress on each stage per the written schedule, and a final balance on delivery. This structure, tied to verifiable progress rather than a single 100% upfront payment, is one of the clauses any serious finishing contract should have.

It all starts with the online quote simulator: in minutes you get a price range and an estimated timeline in weeks, with no site visit needed. If you decide to move forward, a diagnostic visit gets scheduled and, if the project calls for it, the complete project study (detailed budget, updated floor plans, 3D modeling, and photorealistic renders).

Before any construction starts, everything is put in writing: a fixed price, a timeline in weeks, and a minimum one-year warranty. During execution, you follow real progress through the Client Zone, with no need to be on-site every day.