In order to contribute to the reduction of the housing deficit in Colombia, the National Savings Fund has developed different financial models for the acquisition of homes within which are the Housing Lease and the Savings Rate model. The interest of this work is to identify the sociodemographic characteristics of FNA clients and compares the profitability of these programs through empirical research with a quantitative methodological approach. FNA clients were found to be located mainly in the urban area, most of them are in rented housing (46%), half have at least one child, 38% are married and 33% are in consensual union, 40% have finished a professional career, and most of these clients are men (71%). Significant evidence was found to say that profitability is different in the two financing modalities, with a higher return on equity on the Savings Rate scheme. Through tests of differences in parametric and non-parametric means, the existence of statistical differences between the two credit programs is corroborated, evidencing the effectiveness of the Cupo Cero program, as well as the entity corroborating and continuing with the implementation of the program. However, specific strategies for the program’s coverage of access to low-income families are recommended.
