Techo Propio: This is the maximum amount you must earn per month to access the S/49,000 bonus and buy your house

The Techo Propio program, promoted by the Ministry of Housing, Construction and Sanitation (MVCS)offers an opportunity for low-income families who wish to acquire their own home. This program includes the Family Housing Bonus (BFH)a S/49,000 subsidy aimed at facilitating the purchase of a suitable home with basic services. To benefit from this support, families must meet certain economic and social requirements, thus ensuring that the benefit reaches those who need it most.

The acquisition of a living place Owning a home is a dream for many families facing economic difficulties. Techo Propio could serve as a solution, providing the necessary support for more citizens to achieve their dream of owning a home.

Techo Propio Program: this is what you must earn to access the S/49,000 bonus

To access the program Own Rooffamilies must meet certain specific requirements. The monthly income of the family group must not exceed S/3,715 or S/2,071 if they wish to acquire a Social interest housing prioritized (VIS). In addition, the following criteria must be met:

• Form a Family Group (GF): made up of a head of household who declares one or more dependents, such as a spouse, partner, children, siblings or grandchildren.
• Not owning a home or land: no member of the family group should have property in their name.
• Not having previously received housing support from the State.
• Have prior savings: it is recommended to have savings equivalent to 3% of the value of the home you wish to purchase.

What support programs does Techo Propio offer?

Own Roof offers various types of support through the Family Housing Bonus (BFH)adapting to the needs and conditions of the beneficiary families. These are some of the main support programs available:

• Buying a home: This bonus allows families to buy a new home, ensuring that it has all the necessary basic services. The bonus, according to Ministerial Resolution No. 587-2023-VIVIENDA, is S/44,805. The amount goes up to S/49,955 if you want to buy a prioritized Social Interest Housing (VIS) in a residential complex, multi-family building or country house, as long as the sale value is close to S/68,000.
• For the construction of a home: for those families who already own a plot of land, this bonus helps finance the construction of a home on said land. The bonus could amount to up to S/30,900.
• Housing improvement: This program is intended to improve the conditions of existing homes that need repairs or extensions to be habitable. The bonus is S/11,845.

He BFH It is a subsidy that does not require repayment, which considerably facilitates access to adequate housing.

MiVivienda Fund: What is Techo Propio?

Techo Propio is a program of the MyHome Fund of the Ministry of Housing, Construction and Sanitation, whose main objective is to facilitate access to decent housing for low-income families. Through this program, the government seeks to help families access adequate housing by their own means.

One of the fundamental pillars of Techo Propio is the Family Housing Bonus (BFH)It should be noted that this voucher is not refundable.