The program Own roof It is an initiative of the Peruvian State that seeks to facilitate access to housing to low -income families. Through Family Housing Bonus (BFH)economic subsidies are granted for the purchase, construction or improvement of a home, allowing beneficiaries to access more favorable conditions to acquire their own home.
To qualify this program, it is necessary to meet certain requirements, including a limit of monthly family income that varies according to the modality to which it is postulated. In addition, the amount of Bonus depends on the type of housing and its location, establishing specific financing ranges that seek to meet the housing needs of different sectors of the population.
Income requirements to access the bonds of the own ceiling program
Access to Housing Family Bonus It is subject to a monthly family income limit. For the purchase of a home, the family must not exceed S/ 3,715 of monthly income. In the case of construction or housing improvement, the maximum threshold is S/ 2,706. These conditions seek to ensure that subsidies are granted to those who really need support to access decent housing.
Applicants must also comply with other criteria, such as owners of another home or land and apply as part of a family group made up of at least two people. The evaluation of these requirements is carried out by the Mivivienda backgroundentity responsible for managing the program.
Amounts and benefits of the family housing bond for purchase or construction
The value of BFH It varies according to the chosen modality. For the purchase of a new home, the bonus can reach up to S/ 43,312.50, depending on the type of property and its market value. In the case of construction on its own site, the amount of the subsidy is S/ 29,700, provided that the land is duly registered and free of charges or encumbrances.
In the modality of housing improvement, the bonus amounts to S/ 11.385, allowing families to optimize the conditions of their home without the need to acquire a new property. These amounts are subject to update as provided by the current regulations of the Ministry of Housing.
How to apply for the own ceiling program and obtain the state subsidy
To access the program, those interested should register through the official channels of the Fund MiviviendAO go to the enabled offices. The application requires the presentation of documents that prove the composition of the family group, as well as the declaration of income.
In the case of housing purchase, beneficiaries must choose a housing project registered in Own roof and complete the financing process with an authorized banking entity. For construction on its own site, it is necessary to have a registered land in Public records and hire a technical entity enabled to execute the work.
Source: Larepublica
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