3 4 % / % home purchasing in Colombia before and after the crisis of the UPAC system, their institutions and the major events occurring since the beginning of the UPAC to the end of % % 5 7 % / 7 % ! Interest Housing (SIH) and non SIH, the existing supports, emphasizing the importance of housing subsidies to 7 / % SIH purchases. Through two examples it is shown that the subsidy is not enough because of home prices; it is also shown that des7 8 / tanding balance for home purchases has not yet reached the levels it had when the UPAC system crisis occurred, as long as the comparison is done in constant pesos.