The Ministry of Housing, Construction and Sanitation through the Mivivienda Fund (FMV) made a disbursement of S/42 million 615,000 last year. With this amount, they were able to subsidize 8,038 citizens. In this way, the beneficiaries accessed eco-friendly homes that save water and electricity consumption, LED lighting, therefore, its impact on the environment is much less than that of a conventional home.
This figure marks a milestone, since it is the largest number of estate granted in recent years: in 2021 this bonus was provided to 7,730 people; in 2020, to 5,163; and in 2019, to 5,937.
Where are the properties of the Mi Vivienda Credit located?
Currently, the regions of Lima, Callao, Piura, Lambayeque, La Libertad, Ica, Arequipa, Tacna, Junín, Cusco, Puno and San Martín have 35,500 houses or apartments that make up 330 projects with sustainable certification.
With the New Mivivienda Credit you can obtain a bonus of up to S/ 31,100 to pay for a property. Photo: The Republic
What requirements must I meet to access the New Mi Vivienda Credit?
If you are looking to acquire a property, a mortgage loan is not essential, since you can check if you meet the requirements of the New Mivivienda Credit:
- Be of legal age, regardless of marital status.
- To have been qualified as subject to credit by the financial entity that grants the financing.
- That the applicant is not the owner or co-owner of another home in any town in the country.
- The resources of the Mivivienda Fund may finance the same person a maximum of two times. To do this, they must not have an outstanding subloan with the fund.
- Only the first loan granted with resources from the Mivivienda Fund may have a subsidy.
How much is the bonus offered by the New Mivivienda Credit?
The Good Payer Bonus (BBP) grants between S/10,800 and S/25,700 for those benefiting from the New Mivivienda Credit. For this, an initial contribution of between 7.5% and 30% of the value of the property familiar. It is worth mentioning that the price of the house cannot exceed S/ 343,900.
Added to it, the subsidy It can be increased by an additional S/5,400 if the real estate project has the Green Bond, that is, with sustainable certification. With this, the final value of the discount can reach up to S/31,100.
Source: Larepublica
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