Own roof 2024: Do you want to buy your home? The State gives you S/44,805 if you meet these 4 requirements

The dream of owning a home is within reach of many Peruvian families thanks to the program Own RoofThis state program offers a Family Housing Bonus of S/44,805 for those who meet certain requirements, thus facilitating the acquisition of a decent and safe home.

Find out the details about the requirements and the process to access this benefitDon’t miss the opportunity to improve your quality of life and find out how to qualify for this bonus here.

Family Housing Bonus 2024: What does it consist of?

The Family Housing Bonus (BFH) is a non-refundable financial aid that the Peruvian State offers to low-income families for the purchase of a new home. This bonus seeks to promote access to adequate housing and contribute to improving the living conditions of beneficiary families.

Basic requirements to apply for the bonus

To be eligible for the Family Housing Bonus, it is necessary to meet the following four requirements:

1. Monthly household income: The monthly income of the family group must not exceed S/3,715.
2. Family group: The applicant must be part of a family group, which includes at least one spouse or partner, and/or children under 25 years of age, or disabled persons of any age.
3. Not being an owner: No member of the family group should own another home, land or separate air for housing.
4. Registration in the program: It is essential to be registered in the MiVivienda Fund and have the unique registration code for the Techo Propio program.

What are the steps to follow to access the Family Housing Bonus?

1. Registration in the Techo Propio program

The first step to access the Family Housing Bonus is to register for the Techo Propio program. This procedure is carried out at the offices of the Fondo MiVivienda or through its official website. It is necessary to complete a form and present the documentation that proves the income of the family group and its composition.

2. Evaluation and grading

Once registered, the family group will go through an evaluation process to determine whether it meets the established requirements. This evaluation includes verification of the income and composition of the family group, as well as the absence of property in the name of any of its members.

3. Search for housing

Once you have qualified as a beneficiary, the next step is to find a home that meets the conditions of the Techo Propio program. It is important to choose a home that is within the price range established by the program and that has been approved by the MiVivienda Fund.

4. Signing of the contract and disbursement of the bonus

The last step is the signing of the contract for the purchase of the selected home. The Family Housing Bonus is disbursed directly to the seller of the home, reducing the total amount to be paid by the buyer. This process is carried out in coordination with the MiVivienda Fund and the authorized financial entities.

What benefits does the Family Housing Bonus provide?

• Improving quality of life.- Access to decent and safe housing is essential to improve the quality of life of Peruvian families. The Family Housing Bonus allows families to access adequate housing, with all the necessary basic services, in well-located urban areas.
• Significant financial support.- The amount of S/44,805 granted through the Family Housing Bonus represents significant economic aid that reduces the total cost of housing, facilitating its acquisition and avoiding excessive indebtedness for the beneficiary families.
• Ease of purchase process.- The Techo Propio program and the MiVivienda Fund provide support and advice throughout the entire purchasing process, from registration to signing the contract, ensuring that beneficiaries understand each step and can access their home efficiently and safely.