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Purchase and Financing
Online Payments
Delivery and Services
Services and Contact
Where is the digital channel located?

The human team of the digital channel is located in the Metropolitan Business Park building in Bucaramanga, the construction company's headquarters.

On which projects can I receive digital advice?

You can receive commercial advice on more than 120 Vis and No-vis projects nationwide from the comfort of your home, you only need a computer, cell phone or tablet, internet connectivity to schedule your virtual appointment.

How does buying a home through the digital channel work?
What is the digital channel?

The Marval Digital Channel is an area specialized in digital sales, made up of real people who interact daily with our customers through digital tools. We are focused on providing agile, secure and personalized business advice to elevate the experience of our clients according to their time and space needs, facilitating their process of buying a new home in Colombia.

Can I request the apartment plans at any time?

The plans are provided upon delivery of the property, before the indicated date there is no authorization to deliver them. Measures are not specified since due to the subject of finishes they may vary depending on the spaces.

The request for a copy of plans, some time after the delivery of the property, must be processed directly at the curatorship of the municipality, presenting the documents that identify the property such as a registration sheet and/or deeds.

If I want to withdraw from the project, what documents do I need to formalize the withdrawal?

To formalize a withdrawal, it is necessary to ask your commercial advisor for the format of withdrawal or sale not carried out as applicable. This document must be authenticated with the signatures of the project owners and attach additional requirements, such as; photocopy of an extended ID card, bank certification no longer than 30 days, among others.

We remind you that in order to formalize the return of paid resources, it is necessary to submit all the previously mentioned documentation in original to the Customer Service office depending on the purchasing branch.

Note: Keep in mind that once the complete documents have been filed, the resources will be reimbursed after the next 60 days.

How to finance the balance of the house?

Once you complete the payment of the down payment for the home you purchased and the delivery approaches, you will receive a letter from Marval informing you of the requirements necessary to process the credit that will finance the balance of your home.

You will submit to Marval's processing advisor the pre-approval or approval issued by the financial institution to begin the bookkeeping phase.

When you have approved the credit, you will proceed to sign deeds before the notary, and the financial institution will summon you to sign promissory notes, insurance policies and other documents required by this entity.

What documents must be submitted to the compensation fund to apply for the housing subsidy?

The documents you must gather and submit to the compensation fund to apply for the housing subsidy are:

— Certificate of income (Wages, contracts for the provision of services and/or leases, invoices, etc.).

— Certificate of income and withholding or income statement.

— Identity documents.

— Civil registration of marriage or proof of de facto marital union.

— Civil birth registration of children under 18 years of age and proof of the disability of the people who make up the household.

— If so, ICBF documents that prove the status of female head of household.

— Municipal card or certification of the SISBÉN score.

— In homes where one of the parents has died, present a death certificate.

In what cases will you not be able to apply for the housing subsidy?

You won't be able to apply for housing subsidy in the following situations:

— If you have received housing subsidies or haven't given them up before they expire.

— When, on the date of applying for the subsidy, any of the members of your household owns another home.

— If at any time the compensation fund was unable to correctly validate the information due to falsehood in the documents submitted.

How to get the family housing subsidy?

— Submit all documents to the compensation fund, where they will inform you when and where the names of the beneficiaries are published.

— Wait for the qualification and assignment of the subsidy by the compensation fund.

— The day the beneficiaries are published, check the list in the newspaper or go to your compensation fund to confirm whether or not you will receive the subsidy.

— If you are a beneficiary, collect the photocopies of the documents necessary for the disbursement: Public Deed, Certificate of Tradition and Freedom of the property (valid for no more than 30 days to prove that you purchased the property), certificate with collection authorization that accredits you as a beneficiary of the Family Housing Allowance.

Once your home is finished and you have submitted the documents for the disbursement of the money, the compensation fund will transfer the amount of the subsidy directly to the entity where you purchased the property.

What are the requirements for applying for the family housing subsidy?

— You must have a household consisting of at least two people.

— None of the people in your household can own a home.

—The sum of the income of all members of your household must be less than or equal to 4 current statutory monthly minimum wages.

—No member of your household can have previously received a housing subsidy from the ICT, INURBE or the Compensation Funds.

What is the family housing subsidy?

The housing subsidy is an economic aid that the Family Compensation Funds, the National Housing Fund, the Agrarian Bank of Colombia S.A. and other entities grant once to your family when you complete the initial housing payment. You should never return this cash contribution to the government.

How to pay layoffs at home value?

If you want to pay your layoffs when paying the down payment of your home, you need to:

— Submit to your Marval processing advisor the certification issued by the entity or company where you have your layoffs deposited. In this certification, the Pension and Unemployment Fund must indicate the total amount of your layoffs.

— The procedural advisor will attach to the bill of sale the request to incorporate the payment of layoffs by the Pension and Unemployment Fund to the company MARVAL.

—Give to the Pension and Unemployment Fund a photocopy of the purchase and of the certificate of tradition and freedom of the property.

— Once the corresponding amount of your layoffs has been transferred by the Pension and Unemployment Fund to MARVAL, it will be responsible for deducting this amount from the outstanding balance unpaid for the property you purchased.

REMEMBER: If your layoffs have been paid for the property and you decide to give up the buying and selling business, MARVAL will return this money to the Pension and Unemployment Fund that issued it.

When and where to pay the down payment?

En la oferta de compraventa establecida con su asesor comercial, se estipula los valores a cancelar y periodicidad según plan de pagos acordado, en donde podrá realizar pagos en línea o directamente en la entidad financiera indicada.Si efectúas el pago en cheque, recuerda girarlo a nombre de la constructora, como se encuentra registrada en la oferta de compraventa.Importante:

– Podrás abonar al pago del inmueble: tus cesantías y subsidios de vivienda familiar. Este subsidio podrás abonarlo si lo solicitaste y fuiste beneficiario.

– Cancela el valor acordado en las fechas pactadas. El incumplimiento de uno o más de los pagos, ocasionará intereses moratorios y la pérdida de cualquier bono que haya sido otorgado por MARVAL.

Where can I receive commercial information about a project?

Where can I receive commercial information about a project? On our website www.marval.com.co when you register your contact details we will be sending the information to the email and the sales team will contact you for more information to make a quote and schedule an appointment as you wish, however, it is important to answer the following questions:

— Are you interested in a particular project?

— What city and/or sector do you want to invest in?

— What is the range of your investment budget?

— How long do you plan to make the investment? Short or long term

— Who makes the purchase decision?

How can Marval be contacted?

BRANCH ADDRESS PHONE EMAIL
Barranquilla Cr. 57 #99 A — 65 South Tower Floor 1 Torres del Atlántico (5) 3853162 Ext 3180, 3143 servicioalclientebarranquilla@marval.com.co
Bogota El Dorado Avenue # 69A — 51 Tower A Local 110 Ed Capital Center (1) 7455565 Ext 2076, 2078, 2079, 1156 servicioalclientebogota@marval.com.co
Bucaramanga Cr. 29 # 45 — 45 Local 108 and 109 Ed. Metropolitan Business Park. (7) 6333987 Ext 1065, 1067 servicioalclientebucaramanga@marval.com.co
Cali Cr. 100 # 11 — 60 Local 226A C.C. Holguines Trade Center (2) 485 0640 Ext 4056 servicioalclientecali@marval.com.co
Cartagena Concasa Building 11th Floor Center — La Matuna Sector (5) 517 004 Ext 8005 servicioalclientecartagena@marval.com.co

How to request referral information?

We invite you to consult directly the program that rewards you for referring us https://amigosmarval.com/

Any news related to the referral program, to request information on the progress of the payment of referrals made, among others, it is necessary to write to the email amigosmarval@marval.com.co with all your contact information.

How can I offer land?

On our website https://marval.com.co/compramos-tu-terreno/, you can record information about the land, location, area, price and attach photos or presentation of it.

How can I become a vendor/contractor?

To offer your services you can write to us at proveedores@marval.com.co with all the contact and company information including the portfolio of products and services.

How can I send a resume?

You can register your resume on the website Www.marval.com.co /Option work with us and/or attach document to the email account seleccion@marval.com.co

How to purchase a Finishing Kit?

MARVAL has pre-defined Finishing Kits according to the types of projects. If you want to purchase one, follow each of the steps below:

— Contact the commercial advisor who sold you the property, request information and a quote on the finishing kits that are in force for the project. You can also contact the Finishing Kit team of advisors directly. Our officials will send you the quote as soon as possible.

— Define the Kits you are going to purchase and with this we will draw up a contract that, when signed, will make your purchase official.

— Once the contract is signed, you will initiate payment commitments according to the conditions agreed in the contract.

What is the exact date of delivery of an apartment?

For the exact date of delivery of an apartment to occur, they are determined once the following conditions are met:

a) Be at peace and safe in paying the initial fee.

b) Mortgage credit or leasing is duly legalized.

c) Establishment in the offices of the construction company El Paz and financial savings issued by the financial institution duly completed.

d) You are safe and sound in the payment of notary fees, tax bill and registration.

e) Subscription at the time of signing the public bill of sale of the blank promissory note with a letter of instruction that guarantees the amount of the credit pending disbursement.

f) The Deed of Sale and Mortgage has been signed.

g) There is a corresponding disbursement of the credit by the financial institution.

From when is the payment of the administration fee assumed?

The construction company makes the contributions corresponding to common expenses in the co-ownership in a timely manner up to the moment of delivery of the property.

Once the private property is delivered by the work and the owner receives the keys, starting from the receipt of the real estate, he must assume the payment of the administration fee.

It is clarified that the collection of the administration fee is assumed in advance, so it is necessary to submit a delivery certificate to the administration for the adjustment of the payment support as required. This, considering that the legal representative of the co-ownership is the one who is empowered to review the statement of account of the property and prepare peace and sound.

What to do to register a request, complaint, or if the property requires a guarantee?

If your property has any damage or damage and is within the fixed warranty period, we invite you to register at https://marval.com.co/pqrs/. Remember to read the maintenance and warranty manual correctly before making the claim.

What to do if the property requires an arrangement?

If your property has any damage or damage and is within the fixed warranty period, we invite you to register the request here on our website. Remember to read the maintenance and warranty manual correctly before making the claim.

What to do when you have billing or flight problems from a public service?

Any news regarding the provision of the service, leakage, consumption, billing, legalization of the service, connection and interruption of the service, meter functionality, change of the subscriber's name, stratification, among others, must be requested directly from the company providing the public services.

Who assumes payment for public services generated before the delivery of the property?

The Construction Company assumes the consumption of public services according to the meter reading recorded at the time of delivery of the property. Public services before and/or until the delivery of the property will be assumed by the construction company, after the delivery date, any charge, receipt or consumption that reaches the apartment is the responsibility of the new owner for payment.

To reimburse the consumption of public services, it is necessary to send to the physical Customer Service office, the original payment receipt and/or payment media according to the payment method, delivery report showing the reading of the meters, a photocopy of the ID, a collection account addressed to the company for the total amount to be reimbursed if it is greater than $90,000 and a bank account certification no longer than 30 days.

When and how to receive the property?

When the financial institution approves the credit and you have signed the bill of sale, your Marval processing advisor will inform you of the date of delivery of the property. For this day you should keep in mind the following:

— The day before the scheduled date of delivery of the property, go to our processing service centers to provide the folder where the minutes and inventory format, plans, cover letter and other documents that formalize the delivery of your property will be provided.

— One of Marval's representatives will formally deliver the property to you on the previously agreed date.

If I don't cancel the agreed fee, can I lose the opportunity to buy?

If you do not fully cancel the agreed payment commitments, the delay in the payment of the initial payment of more than 90 days is a reason to rescind the offer to buy and sell, which means that you lose the opportunity to buy the property and you must assume the penalty clause. In the same way, if the credit is denied or if the customer voluntarily decides to rescind the offer for any reason, the penalty clause applies.

Do I have to assume default interest when I pay later than the agreed date?

If the payment of the agreed commitments is made at a date after the due date, interest must be assumed for late payment on the amount due for the days in which it incurred in default, which is regulated in the offer to buy and sell contract.

What does the date field you find next to the value of the unpaid commitments indicate?

This date does not correspond to the date your commitment expires, but rather to the date the information on the portal was updated.

What should you do when the transaction is rejected because “the amount exceeds the allowed amount”?

You must contact the financial institution to validate the number of transactions and authorized amount you have per day for PSE transactions.

How do you edit the amount to be paid when you want to make a payment for a different amount than the one you have agreed to?

Once you have logged in with your username and password, the list of unpaid obligations will appear. You must select (check) the box located in the left margin to activate the value to pay box, so you can delete and enter the amount you want to pay. Remember that in each commitment line, you can leave a value equal to or lower than the one that appears by default, for the payment of surpluses you must use the line that appears just below.

Can you use a credit card to make PSE payments?

No, you can make payments from a checking or savings account at any national bank.

How to check the status of your wallet on the PSE payment platform?

The platform is exclusive for making payments, so you will not find the status of your wallet there; you will receive this information monthly in the account statement that we have available to you at Www.marval.com.co

How to recover your password if you forget it?

Use the Forgot your password? option which appears just below the login button. You will receive a confirmation to the email address you have registered in our database. You can also send the restart request to recaudos@marval.com.co

What are your login details for accessing the payment portal for the first time?

The portal will ask you for a user, which corresponds to the identity document number of the owner of the negotiation. If it's a Nit, you must include the check digit without dots or commas. You'll also need to enter a password, which corresponds to the customer's code. You can confirm this number in the offer to buy and sell together with the name of the business owner.

How do you get the payment slip if your internet connection goes down or you forgot to print it?

If this happens, you should go to the email that you registered in the PSE system when you were making the payment, where you will find a copy of the payment receipt that the system automatically sent when you completed the transaction.

Clause 1: Through the website (www.marval.com.co) Marval offers you the Online Payments service; this service provides you with the possibility of making your payments for products and services over the Internet.

Clause 2: The system allows you to carry out transactions that automatically debit the accounts you hold in any of the banking entities associated with the ACH Colombia transaction system.

Clause 3: You must have the necessary physical means to use the service over the Internet. Marval will not be responsible for the availability or reliability of the media used.

Clause 4: You declare that you are legally capable of carrying out the procedure to be used for online payment and that you are the owner of the payment offered or that you are entitled to make use of it.

Clause 5: You undertake to provide true, complete and correct information, which makes you responsible to The Marval Group and third parties for inaccuracies.

Clause 6: You can make full or partial payments for real estate commitments, finishing kits, leases and other aspects related to Marval.

Clause 7: You may print the transaction receipts as proof of payment; however, the transaction will be subject to the verification of the actual deposit to Marval's accounts and in the event that the actual income is not verified, the resource will be considered unpaid and you will be responsible for canceling the outstanding amount.

Clause 8: Marval may at any time cancel, add or modify the terms and conditions by publication through its website.

What do you get as a support for the payment made on the internet?

First, when you make the debit your bank generates a receipt for you, then when you click to return to the MARVAL page, the payment system must generate a proof of the payment made, there you will find the option to print it.

Which entity legally certifies the payments you make online?

In Colombia, Certicámara issues the digital certificate used by PSE. The transactions that originate in this system are digitally signed in such a way that they can only be deciphered at the destination, all the information about your payment travels encrypted on the Internet through a private connection with the Bank (VPN Virtual Private Network).

For more information about digital certificates you can go to http://www.certicamara.com.co

Who supports the PSE payment system?

Este sistema de pagos fue diseñado por todas las Entidades Financieras asociadas a ACH Colombia. Para más información puede consultar https://www.pse.com.co

Does the Internet payment service have a cost?

Contact the financial institution where you have your bank account to find out the costs you must bear to carry out transactions online.

How can you access the online payment service?

In order to access the “Online Payment” service, you must have the necessary physical means to allow you to receive or transmit information related to MARVAL products and services via the Internet. You will keep at your own cost and expense the necessary equipment and communication services so that you can use the service because MARVAL will not be responsible for the availability or reliability of said equipment or the communication services you use. MARVAL will provide you with the Internet address, so that you can carry out specific or authorized banking operations.

What are the requirements you need to consider when making online payments?

You must have a savings account or current account in one of the banking institutions active in the PSE system and have requested that entity to authorize (key if necessary) the desired accounts to carry out electronic transactions. You must also have an email account in order to receive confirmations of the results of the transactions you make.

What is PSE?

El PSE (Proveedor de Servicios Electrónicos) es un sistema centralizado y estandarizado desarrollado por ACH COLOMBIA, mediante el cual las empresas te brindan la posibilidad de hacer tus pagos a través de Internet, debitando los recursos de la entidad financiera donde tienes tu dinero para depositarlo en la cuenta de las empresas recaudadoras.

How can I make payments online?

The route to make online payments is https://marval.com.co/pagos-en-linea/, click on the link that requires: Monthly Fee Payment, Rental Fee Payment, Separation Fee Payment, Check account statement and follow the instructions for the payment process.

We suggest you check out the video with the demonstration of the step by step to make recurring payments.

Where is the digital channel located?

The human team of the digital channel is located in the Metropolitan Business Park building in Bucaramanga, the construction company's headquarters.

On which projects can I receive digital advice?

You can receive commercial advice on more than 120 Vis and No-vis projects nationwide from the comfort of your home, you only need a computer, cell phone or tablet, internet connectivity to schedule your virtual appointment.

How does buying a home through the digital channel work?
What is the digital channel?

The Marval Digital Channel is an area specialized in digital sales, made up of real people who interact daily with our customers through digital tools. We are focused on providing agile, secure and personalized business advice to elevate the experience of our clients according to their time and space needs, facilitating their process of buying a new home in Colombia.

Can I request the apartment plans at any time?

The plans are provided upon delivery of the property, before the indicated date there is no authorization to deliver them. Measures are not specified since due to the subject of finishes they may vary depending on the spaces.

The request for a copy of plans, some time after the delivery of the property, must be processed directly at the curatorship of the municipality, presenting the documents that identify the property such as a registration sheet and/or deeds.

If I want to withdraw from the project, what documents do I need to formalize the withdrawal?

To formalize a withdrawal, it is necessary to ask your commercial advisor for the format of withdrawal or sale not carried out as applicable. This document must be authenticated with the signatures of the project owners and attach additional requirements, such as; photocopy of an extended ID card, bank certification no longer than 30 days, among others.

We remind you that in order to formalize the return of paid resources, it is necessary to submit all the previously mentioned documentation in original to the Customer Service office depending on the purchasing branch.

Note: Keep in mind that once the complete documents have been filed, the resources will be reimbursed after the next 60 days.

How to finance the balance of the house?

Once you complete the payment of the down payment for the home you purchased and the delivery approaches, you will receive a letter from Marval informing you of the requirements necessary to process the credit that will finance the balance of your home.

You will submit to Marval's processing advisor the pre-approval or approval issued by the financial institution to begin the bookkeeping phase.

When you have approved the credit, you will proceed to sign deeds before the notary, and the financial institution will summon you to sign promissory notes, insurance policies and other documents required by this entity.

What documents must be submitted to the compensation fund to apply for the housing subsidy?

The documents you must gather and submit to the compensation fund to apply for the housing subsidy are:

— Certificate of income (Wages, contracts for the provision of services and/or leases, invoices, etc.).

— Certificate of income and withholding or income statement.

— Identity documents.

— Civil registration of marriage or proof of de facto marital union.

— Civil birth registration of children under 18 years of age and proof of the disability of the people who make up the household.

— If so, ICBF documents that prove the status of female head of household.

— Municipal card or certification of the SISBÉN score.

— In homes where one of the parents has died, present a death certificate.

In what cases will you not be able to apply for the housing subsidy?

You won't be able to apply for housing subsidy in the following situations:

— If you have received housing subsidies or haven't given them up before they expire.

— When, on the date of applying for the subsidy, any of the members of your household owns another home.

— If at any time the compensation fund was unable to correctly validate the information due to falsehood in the documents submitted.

How to get the family housing subsidy?

— Submit all documents to the compensation fund, where they will inform you when and where the names of the beneficiaries are published.

— Wait for the qualification and assignment of the subsidy by the compensation fund.

— The day the beneficiaries are published, check the list in the newspaper or go to your compensation fund to confirm whether or not you will receive the subsidy.

— If you are a beneficiary, collect the photocopies of the documents necessary for the disbursement: Public Deed, Certificate of Tradition and Freedom of the property (valid for no more than 30 days to prove that you purchased the property), certificate with collection authorization that accredits you as a beneficiary of the Family Housing Allowance.

Once your home is finished and you have submitted the documents for the disbursement of the money, the compensation fund will transfer the amount of the subsidy directly to the entity where you purchased the property.

What are the requirements for applying for the family housing subsidy?

— You must have a household consisting of at least two people.

— None of the people in your household can own a home.

—The sum of the income of all members of your household must be less than or equal to 4 current statutory monthly minimum wages.

—No member of your household can have previously received a housing subsidy from the ICT, INURBE or the Compensation Funds.

What is the family housing subsidy?

The housing subsidy is an economic aid that the Family Compensation Funds, the National Housing Fund, the Agrarian Bank of Colombia S.A. and other entities grant once to your family when you complete the initial housing payment. You should never return this cash contribution to the government.

How to pay layoffs at home value?

If you want to pay your layoffs when paying the down payment of your home, you need to:

— Submit to your Marval processing advisor the certification issued by the entity or company where you have your layoffs deposited. In this certification, the Pension and Unemployment Fund must indicate the total amount of your layoffs.

— The procedural advisor will attach to the bill of sale the request to incorporate the payment of layoffs by the Pension and Unemployment Fund to the company MARVAL.

—Give to the Pension and Unemployment Fund a photocopy of the purchase and of the certificate of tradition and freedom of the property.

— Once the corresponding amount of your layoffs has been transferred by the Pension and Unemployment Fund to MARVAL, it will be responsible for deducting this amount from the outstanding balance unpaid for the property you purchased.

REMEMBER: If your layoffs have been paid for the property and you decide to give up the buying and selling business, MARVAL will return this money to the Pension and Unemployment Fund that issued it.

When and where to pay the down payment?

En la oferta de compraventa establecida con su asesor comercial, se estipula los valores a cancelar y periodicidad según plan de pagos acordado, en donde podrá realizar pagos en línea o directamente en la entidad financiera indicada.Si efectúas el pago en cheque, recuerda girarlo a nombre de la constructora, como se encuentra registrada en la oferta de compraventa.Importante:

– Podrás abonar al pago del inmueble: tus cesantías y subsidios de vivienda familiar. Este subsidio podrás abonarlo si lo solicitaste y fuiste beneficiario.

– Cancela el valor acordado en las fechas pactadas. El incumplimiento de uno o más de los pagos, ocasionará intereses moratorios y la pérdida de cualquier bono que haya sido otorgado por MARVAL.

Where can I receive commercial information about a project?

Where can I receive commercial information about a project? On our website www.marval.com.co when you register your contact details we will be sending the information to the email and the sales team will contact you for more information to make a quote and schedule an appointment as you wish, however, it is important to answer the following questions:

— Are you interested in a particular project?

— What city and/or sector do you want to invest in?

— What is the range of your investment budget?

— How long do you plan to make the investment? Short or long term

— Who makes the purchase decision?

If I don't cancel the agreed fee, can I lose the opportunity to buy?

If you do not fully cancel the agreed payment commitments, the delay in the payment of the initial payment of more than 90 days is a reason to rescind the offer to buy and sell, which means that you lose the opportunity to buy the property and you must assume the penalty clause. In the same way, if the credit is denied or if the customer voluntarily decides to rescind the offer for any reason, the penalty clause applies.

Do I have to assume default interest when I pay later than the agreed date?

If the payment of the agreed commitments is made at a date after the due date, interest must be assumed for late payment on the amount due for the days in which it incurred in default, which is regulated in the offer to buy and sell contract.

What does the date field you find next to the value of the unpaid commitments indicate?

This date does not correspond to the date your commitment expires, but rather to the date the information on the portal was updated.

What should you do when the transaction is rejected because “the amount exceeds the allowed amount”?

You must contact the financial institution to validate the number of transactions and authorized amount you have per day for PSE transactions.

How do you edit the amount to be paid when you want to make a payment for a different amount than the one you have agreed to?

Once you have logged in with your username and password, the list of unpaid obligations will appear. You must select (check) the box located in the left margin to activate the value to pay box, so you can delete and enter the amount you want to pay. Remember that in each commitment line, you can leave a value equal to or lower than the one that appears by default, for the payment of surpluses you must use the line that appears just below.

Can you use a credit card to make PSE payments?

No, you can make payments from a checking or savings account at any national bank.

How to check the status of your wallet on the PSE payment platform?

The platform is exclusive for making payments, so you will not find the status of your wallet there; you will receive this information monthly in the account statement that we have available to you at Www.marval.com.co

How to recover your password if you forget it?

Use the Forgot your password? option which appears just below the login button. You will receive a confirmation to the email address you have registered in our database. You can also send the restart request to recaudos@marval.com.co

What are your login details for accessing the payment portal for the first time?

The portal will ask you for a user, which corresponds to the identity document number of the owner of the negotiation. If it's a Nit, you must include the check digit without dots or commas. You'll also need to enter a password, which corresponds to the customer's code. You can confirm this number in the offer to buy and sell together with the name of the business owner.

How do you get the payment slip if your internet connection goes down or you forgot to print it?

If this happens, you should go to the email that you registered in the PSE system when you were making the payment, where you will find a copy of the payment receipt that the system automatically sent when you completed the transaction.

Clause 1: Through the website (www.marval.com.co) Marval offers you the Online Payments service; this service provides you with the possibility of making your payments for products and services over the Internet.

Clause 2: The system allows you to carry out transactions that automatically debit the accounts you hold in any of the banking entities associated with the ACH Colombia transaction system.

Clause 3: You must have the necessary physical means to use the service over the Internet. Marval will not be responsible for the availability or reliability of the media used.

Clause 4: You declare that you are legally capable of carrying out the procedure to be used for online payment and that you are the owner of the payment offered or that you are entitled to make use of it.

Clause 5: You undertake to provide true, complete and correct information, which makes you responsible to The Marval Group and third parties for inaccuracies.

Clause 6: You can make full or partial payments for real estate commitments, finishing kits, leases and other aspects related to Marval.

Clause 7: You may print the transaction receipts as proof of payment; however, the transaction will be subject to the verification of the actual deposit to Marval's accounts and in the event that the actual income is not verified, the resource will be considered unpaid and you will be responsible for canceling the outstanding amount.

Clause 8: Marval may at any time cancel, add or modify the terms and conditions by publication through its website.

What do you get as a support for the payment made on the internet?

First, when you make the debit your bank generates a receipt for you, then when you click to return to the MARVAL page, the payment system must generate a proof of the payment made, there you will find the option to print it.

Which entity legally certifies the payments you make online?

In Colombia, Certicámara issues the digital certificate used by PSE. The transactions that originate in this system are digitally signed in such a way that they can only be deciphered at the destination, all the information about your payment travels encrypted on the Internet through a private connection with the Bank (VPN Virtual Private Network).

For more information about digital certificates you can go to http://www.certicamara.com.co

Who supports the PSE payment system?

Este sistema de pagos fue diseñado por todas las Entidades Financieras asociadas a ACH Colombia. Para más información puede consultar https://www.pse.com.co

Does the Internet payment service have a cost?

Contact the financial institution where you have your bank account to find out the costs you must bear to carry out transactions online.

How can you access the online payment service?

In order to access the “Online Payment” service, you must have the necessary physical means to allow you to receive or transmit information related to MARVAL products and services via the Internet. You will keep at your own cost and expense the necessary equipment and communication services so that you can use the service because MARVAL will not be responsible for the availability or reliability of said equipment or the communication services you use. MARVAL will provide you with the Internet address, so that you can carry out specific or authorized banking operations.

What are the requirements you need to consider when making online payments?

You must have a savings account or current account in one of the banking institutions active in the PSE system and have requested that entity to authorize (key if necessary) the desired accounts to carry out electronic transactions. You must also have an email account in order to receive confirmations of the results of the transactions you make.

What is PSE?

El PSE (Proveedor de Servicios Electrónicos) es un sistema centralizado y estandarizado desarrollado por ACH COLOMBIA, mediante el cual las empresas te brindan la posibilidad de hacer tus pagos a través de Internet, debitando los recursos de la entidad financiera donde tienes tu dinero para depositarlo en la cuenta de las empresas recaudadoras.

How can I make payments online?

The route to make online payments is https://marval.com.co/pagos-en-linea/, click on the link that requires: Monthly Fee Payment, Rental Fee Payment, Separation Fee Payment, Check account statement and follow the instructions for the payment process.

We suggest you check out the video with the demonstration of the step by step to make recurring payments.

How to purchase a Finishing Kit?

MARVAL has pre-defined Finishing Kits according to the types of projects. If you want to purchase one, follow each of the steps below:

— Contact the commercial advisor who sold you the property, request information and a quote on the finishing kits that are in force for the project. You can also contact the Finishing Kit team of advisors directly. Our officials will send you the quote as soon as possible.

— Define the Kits you are going to purchase and with this we will draw up a contract that, when signed, will make your purchase official.

— Once the contract is signed, you will initiate payment commitments according to the conditions agreed in the contract.

What is the exact date of delivery of an apartment?

For the exact date of delivery of an apartment to occur, they are determined once the following conditions are met:

a) Be at peace and safe in paying the initial fee.

b) Mortgage credit or leasing is duly legalized.

c) Establishment in the offices of the construction company El Paz and financial savings issued by the financial institution duly completed.

d) You are safe and sound in the payment of notary fees, tax bill and registration.

e) Subscription at the time of signing the public bill of sale of the blank promissory note with a letter of instruction that guarantees the amount of the credit pending disbursement.

f) The Deed of Sale and Mortgage has been signed.

g) There is a corresponding disbursement of the credit by the financial institution.

From when is the payment of the administration fee assumed?

The construction company makes the contributions corresponding to common expenses in the co-ownership in a timely manner up to the moment of delivery of the property.

Once the private property is delivered by the work and the owner receives the keys, starting from the receipt of the real estate, he must assume the payment of the administration fee.

It is clarified that the collection of the administration fee is assumed in advance, so it is necessary to submit a delivery certificate to the administration for the adjustment of the payment support as required. This, considering that the legal representative of the co-ownership is the one who is empowered to review the statement of account of the property and prepare peace and sound.

What to do to register a request, complaint, or if the property requires a guarantee?

If your property has any damage or damage and is within the fixed warranty period, we invite you to register at https://marval.com.co/pqrs/. Remember to read the maintenance and warranty manual correctly before making the claim.

What to do if the property requires an arrangement?

If your property has any damage or damage and is within the fixed warranty period, we invite you to register the request here on our website. Remember to read the maintenance and warranty manual correctly before making the claim.

What to do when you have billing or flight problems from a public service?

Any news regarding the provision of the service, leakage, consumption, billing, legalization of the service, connection and interruption of the service, meter functionality, change of the subscriber's name, stratification, among others, must be requested directly from the company providing the public services.

Who assumes payment for public services generated before the delivery of the property?

The Construction Company assumes the consumption of public services according to the meter reading recorded at the time of delivery of the property. Public services before and/or until the delivery of the property will be assumed by the construction company, after the delivery date, any charge, receipt or consumption that reaches the apartment is the responsibility of the new owner for payment.

To reimburse the consumption of public services, it is necessary to send to the physical Customer Service office, the original payment receipt and/or payment media according to the payment method, delivery report showing the reading of the meters, a photocopy of the ID, a collection account addressed to the company for the total amount to be reimbursed if it is greater than $90,000 and a bank account certification no longer than 30 days.

When and how to receive the property?

When the financial institution approves the credit and you have signed the bill of sale, your Marval processing advisor will inform you of the date of delivery of the property. For this day you should keep in mind the following:

— The day before the scheduled date of delivery of the property, go to our processing service centers to provide the folder where the minutes and inventory format, plans, cover letter and other documents that formalize the delivery of your property will be provided.

— One of Marval's representatives will formally deliver the property to you on the previously agreed date.

How can Marval be contacted?

BRANCH ADDRESS PHONE EMAIL
Barranquilla Cr. 57 #99 A — 65 South Tower Floor 1 Torres del Atlántico (5) 3853162 Ext 3180, 3143 servicioalclientebarranquilla@marval.com.co
Bogota El Dorado Avenue # 69A — 51 Tower A Local 110 Ed Capital Center (1) 7455565 Ext 2076, 2078, 2079, 1156 servicioalclientebogota@marval.com.co
Bucaramanga Cr. 29 # 45 — 45 Local 108 and 109 Ed. Metropolitan Business Park. (7) 6333987 Ext 1065, 1067 servicioalclientebucaramanga@marval.com.co
Cali Cr. 100 # 11 — 60 Local 226A C.C. Holguines Trade Center (2) 485 0640 Ext 4056 servicioalclientecali@marval.com.co
Cartagena Concasa Building 11th Floor Center — La Matuna Sector (5) 517 004 Ext 8005 servicioalclientecartagena@marval.com.co

How to request referral information?

We invite you to consult directly the program that rewards you for referring us https://amigosmarval.com/

Any news related to the referral program, to request information on the progress of the payment of referrals made, among others, it is necessary to write to the email amigosmarval@marval.com.co with all your contact information.

How can I offer land?

On our website https://marval.com.co/compramos-tu-terreno/, you can record information about the land, location, area, price and attach photos or presentation of it.

How can I become a vendor/contractor?

To offer your services you can write to us at proveedores@marval.com.co with all the contact and company information including the portfolio of products and services.

How can I send a resume?

You can register your resume on the website Www.marval.com.co /Option work with us and/or attach document to the email account seleccion@marval.com.co