In 1980, the Bank of Materials (Banmat) used the resources of the National Housing Fund (Fonavi) to provide cash and housing loans. Some families were able to access land, modules and even apartments, as happened with the Torres del Limatambo and the Torres de Santa Rosa. However, some 250,000 could not pay after the dissolution of said bank, but today, Thanks to the guidelines approved by the ad hoc commission, they will be able to settle this debt and access their own home.according to Jorge Milla, leader of the National Federation of Fonavistas and Pensioners of Peru (Fenaf Peru Association).
“Some had problems, because when they went to pay the bank disappeared, default interest, compensatory interest was generated; then, unpayable debts were made, both at the level of direct loans and at the level of these loans for housing, land, modules. So, we met on the road, talked and agreed that, since they were debtors of the fonavi, then your problem is somehow linked (to us). So, benefits for these gentlemen were inserted into Law 31173,” Milla explained to The Republic.
In this way, the ad hoc commission approved the guidelines that will allow these people to pay reasonable amounts and be able to obtain ownership of the homes, as well as the land that they did not manage to take in those years because they were very far from the city and that Today they already have another value. It should be noted that 60% of the total had requested credit in cash and 40% for housingapproximately.
For example, a person who obtained a loan for S/5,000 —plus interest— would have to pay S/275,000 today. Thus, Thanks to the guidelines issued, the debt would amount to only S/10,000.
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“Simply, paying the legal interest that has been generated on the payment date. This generates a minimum and possible amount to pay for the men who are mostly people who do not have many resources,” said Jorge Milla, who is also a member of the commission. Also, if they pay cash, they will receive a 25% discount, he added.
Facilitating the payment of the debt of individuals will allow the commission to obtain more resources to return money to exfonavistas. It is projected that they could recover about S/1,000 million.
Source: Larepublica
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