The SBS notes that average mortgage rates are 8.19% in soles and 7.56% in dollars, which represents an opportunity for those seeking attractive financing.
The possibility of obtaining a own home It has become more accessible thanks to the various financial options offered by the market. Initiatives such as its own roof and Mivivienda, added to the competitive interest rates in mortgage loans, facilitate the acquisition of the first house.
According to the Superintendence of Banking, Insurance and AFP (SBS), on February 13, 2023, the average rates of the Mortgage credits About 8.19% are found in soles and 7.56% in dollars per year. These figures are presented as an attractive opportunity for those who seek financing in an environment characterized by economic stability.
What is the own roof bonus?
He Housing Family Bonus (BFH) of the own ceiling program provides financial support from up to S/46,545 for the purchase of new homes, provided that its price does not exceed S/130,500. In addition, this benefit is intended for families whose Monthly income They do not exceed S/3,715 and have a saving equivalent to 3% of the value of the house they want to acquire. The amounts are:
- To buy your home the bonus is S/46,545.
- To build your home the bonus can be S/32,100.
- To improve your home the bonus is S/12.305.
Mortgage credit of the Mivivienda Fund
The Mivivienda Fund offers the new Mivivienda credit, an option that facilitates the acquisition of new homes with a value that ranges between S/67,400 and S/355,100. In turn, this program allows to indirectly finance the purchase of New homes that reach up to S/479,300, which extends the possibilities for those who seek to access their own home.
- Housing purchase
- Be of age.
- Have a minimum initial fee of 7.5% of the value of the house.
- Do not have any credit pending payment with the Mivivienda Fund.
- Not be the owner or co -owner of another home nationwide.
- Be qualified by the financial entity through which we will give you what you need.
- Construction in own field:
- Your initial quota can be covered with the value of your land or independent air.
- There is no value limit of your land as an initial quota.
- Housing improvement:
- Your initial quota can be covered with the value of the house to improve.
- There is no limit of the value of your home as an initial quota.
Resources will be available to finance Peruvians who reside in the foreign. In this context, the house will be allowed to be occupied, if appropriate, by a relative of any of the spouses, which covers up to a Second degree of consanguinity and affinity. This includes parents, grandparents, brothers, nephews, children and grandchildren.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
