The State provides up to S/ 44,805 for you to buy your house: how to access this bonus?

The Peruvian Government has launched an attractive subsidy program to facilitate the purchase of homes. This benefit, known as the Family Housing Bonus (BFH), offers up to S/44,805 to families that meet certain requirements and wish to purchase their own home.

Below, we explain the details of the program, the requirements necessary to access the bonus and the procedure to request it. This support seeks to improve the living conditions of thousands of Peruvians, encouraging Home building dignified and safe.

What are the requirements to access the Family Housing Bonus?

To be a beneficiary of the Family Housing Bonus, it is necessary to meet the following requirements:

1. Family group: The applicant must form a family group made up of at least two members, at least. This group may be made up of parents, children, spouses or cohabitants.
2. Not being an owner: No member of the family group should be the owner or co-owner of a home or land nationwide.
3. Family group income: The monthly income of the family group must not exceed S/ 3,626 to access the New Home Acquisition Bonus. In the case of the Bonus for Construction on Own Site, the income must not exceed S/ 2,706.

Types of Family Housing Bonds

The BFH is divided into three main modalities to adapt to the different needs of families:

1. New Home Acquisition (AVN): Aimed at families who want to buy a new home. The amount of the bonus varies depending on the location of the home and the value of the property.
2. Construction on Own Site (CSP): Aimed at those who already own land and wish to build their home on it. This bond covers a significant portion of the construction cost.
3. Housing Improvement (MV): For families who need to improve the conditions of their current home. This bond allows for expansions, remodeling or structural improvements.

How to request the Family Housing Bonus?

The process to request the Family Housing Bonus is simple and is carried out in several steps:

1. Inscription: The family group must register in the program through a Technical Entity authorized by the Mivivienda Fund. This entity will evaluate the applicant’s eligibility.
2. Assessment: Once registered, the technical entity will review the documents presented and verify that all requirements are met.
3. Bonus allocation: If the application is approved, the bond will be assigned and the purchase or construction of the home will proceed.

BFH 2024: what documents do I need?

To start the application process for the Family Housing Bonus, it is necessary to present the following documentation:

1. Identification document: Current ID of all members of the family group.
2. Sworn declaration: Document that certifies that none of the members owns other property.
3. Salary certificate: Proof of the monthly income of the family group.

Benefits of the Family Housing Bonus

The main benefit of the BFH is the possibility of accessing decent housing with significant financial support from the State. Additionally, this bonus allows low-income families to improve their quality of life by providing them with safe and adequate housing. Other benefits include:

• Improved quality of life: Having your own home improves the living conditions of families, providing stability and security.
• Financial support: The voucher covers a considerable part of the total cost of housing, reducing the financial burden for families.
• Promotion of savings: By having their own home, families can allocate more resources to other important aspects such as education and health.

What is the Family Housing Bonus?

The Family Housing Bonus is a subsidy granted by the Peruvian State through the Mivivienda Fund. This bond is designed to support low-income families in the purchase of a new home or the construction of a home on their own land. The objective is to facilitate access to adequate housing, thus improving the quality of life of the beneficiaries.