How much does the lease policy cost?
The tenant is usually given as the study payment: in the revised rates, from 5% + VAT (study with Insurance The Liberator, Master Group) to 7% of the rent. The monthly insurance premium appears in the Master Group tariff as 2.57% (El Libertador), 2.97% (Zurich) and 2.85% (Unimay), calculated on rent, HOA fee and VAT. That tariff doesn't explicitly say who pays the premium, so we don't add it to the tenant's total.
Renting an apartment with real estate requires paying about 1.3 rentals before receiving the keys. With the rates published by a real estate in Bogotá ([Master Group, 2026] (https://www.grupomaster.co/tarifas-de-nuestros-servicios/)), a $2 bedroom 2,500,000 (the median ordered in Bogotá according to Aptology)) costs $3,243,750 more to enter: $743,750 than the first month.
Lease, study and commission policy: how much is paid before the keys · Data date: 18 October 2026 · Source: Aptología (aptologia.com)
- Original study (Spanish): Póliza de arrendamiento, estudio y comisión: cuánto se paga antes de las llaves
- GitHub (CSV, PDF): https://github.com/elbroker/aptologia-datos/tree/main/estudios/costo-de-arrendar-antes-de-las-llaves
- Hugging Face: https://huggingface.co/datasets/aptologia/costo-de-arrendar-antes-de-las-llaves-colombia-2026
Read the full study · Languages: ES · PT
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