Among other factors, the high price of housing in Lima is due to the dynamism of real estate projects in the capital, which increases the cost in this sector. The program Own roof facilitates the purchase of a house through the Family Housing Bonus, intended for those who wish to realize the desire of having their own home. Currently, the amount granted by this subsidy reaches S/44,805 for the New Home Acquisition modality.
This benefit is provided one time and at no cost to the beneficiaries. It is aimed at families who do not own their own home or land. The living place to be acquired with this bond must be of social interest and its value cannot exceed S/130,500.
What are the requirements to obtain the Own Roof bonus?
If you want to access the program Own roof, several requirements must be met. First, be part of a family group with a head over 18 years of age, married or cohabiting, without marital impediments, who is the main economic contributor and representative of the family.
Additionally, the net monthly family income must not exceed S/3,715. In the same way, you must not own another home, land or independent air for residential use in the country, nor have you previously been a beneficiary of housing support from the State, such as Fonavi, Enace, Banco de Materiales, Own roof or aid through Mivivienda Fund.
Meeting these criteria allows registration in the program and the subsequent search for a real estate project within Own roof. The offer of available homes can be consulted on the website www.mivivienda.com.pe or by calling 0800-12-200.
How to access the bonus of S/44,805?
To access this support from the State, interested parties must register in Own roof at authorized centers and present the DNI of all members of the family group, in addition to completing the required data.
Subsequently, the registration form must be filled out and signed; In the case of cohabitants, both must sign the document. It is important to highlight that all procedures related to the program Own roof They are completely free.
What are housing bonds?
The housing bonds They are a key tool implemented by governments to facilitate access to housing for sectors of the population with limited resources. They function as economic subsidies that help families buy, build or improve their homes.
The criteria to access these bonuses are carefully defined to ensure that support reaches those who need it most. For example, a household must not exceed a certain income level and must not own registered property.
Additionally, these programs are designed to encourage the formalization of ownership and ensure that homes meet basic standards of habitability and safety.
Source: Larepublica
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