Mivivienda Fund: how many credit modalities does the state program offer?

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Only during this year, the Government estimates to place 11,000 loans from the New Credit , while with the program it hopes to benefit 51,000 families. A total of 62,000 beneficiaries who in 2021 will be able to realize the dream of their own home.

But New Credit MiVivienda and Own Roof are not the only programs that promote the MiVivienda Fund (FMV). The company attached to the Ministry of Housing, Construction and Sanitation (MVCS) that promotes the access of the population –especially of the middle and lower sectors– to adequate housing, it also has products such as MyConstruction and MisMateriales.

These programs, as stated in the FMV, “They have been designed so that more Peruvians can access a decent home with the active participation of the real estate developer and builder”.

Under any of these modalities, families receive financial support to purchase a home or to improve the conditions of your current property.

In the case of new homes, state financial support – which varies according to the program – allows the real estate developer and / or builder to develop different housing projects that will be available to many families throughout the country.

The Techo Propio Program (PTP) It is aimed at Peruvian families with fewer resources. As part of its main attributes, the PTP grants the Bono Familiar Habitacional (BFH), which is a subsidy that serves as a complement to the savings that many families have to access a new home or improve the one they already have. It has four products:

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1. Acquisition of a new home

Facilitates financing and access to affordable housing (VIS). In addition to having electricity, drinking water and sewage services, a VIS has a maximum value of 14 UIT (S / 61,600 in 2021). In this case, the BFH amounts to S / 37,625 and its value has been increased by the pandemic.

2. Construction on own site

It is aimed at the beneficiary family groups (GFB) that have a property, on which a VIS will be built, but do not own another home, land or independent air at the national level.

In this case, the BFH –also raised by the pandemic– amounts to S / 25,800 and is based on the value of the VIS, which should range between 5.9 UIT (S / 25,960) and 20 UIT (S / 88,000).

For families to access the BFH, they must have a minimum saving of 0.45 UIT (S / 1,980).

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