There are more facilities for owning a home

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Both the Government and private financial institutions have created new products. Find out more about them.

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PERU21 Editorial
Update Date
08/26/2019 - 07:20
(Alicce Cabanillas @alicce on Twitter)If your New Year's resolution is to have a new house, we have good news for you. During the past year, both the Mivivienda Fund and private banks and municipal savings banks have implemented products to facilitate access to a mortgage loan .
In this way, not only employees and hong kong number screening families will be able to access financing at reasonable terms and interest rates. A product has even been created to purchase second-hand homes. Take note of this summary and evaluate the alternative that best suits your needs:
1. State fund for higher value housing. Mivivienda now finances apartments whose maximum price reaches 70 UIT (S/.266 thousand). Before, it gave loans for units of up to 50 UIT.
The benefit of acquiring a property in a project made with resources from this state fund is that you can access the Good Payer Bonus.
Thus, if the house purchased costs between S/.53,200 and S/.190,000, a discount of S/.12,500 is applied to the final payment by the family. However, if the cost is between S/.190 thousand and S/.266 thousand, the benefit is only S/.5 thousand.
2. Second-hand purchases. The Mivivienda Fund is also channelling resources through banks to facilitate the granting of mortgage loans and the acquisition of second-hand homes.
According to this state program, this type of construction is between 15% and 20% cheaper than brand new apartments. The requirements to qualify are the same as those for the Mivivienda loan.
3. Opportunity for self-employed workers. The country's banks already offer a mortgage savings account for those households that do not have documents that allow them to prove their monthly income.
According to the entity, interested parties will have to make monthly deposits for six or 12 months. At the end of the agreed period, they will have access to the loan and the savings will be used as a down payment.
4. Also for young people. Private banks and even the Mivivienda Fund are promoting the construction of apartments starting from 40 square meters aimed at young executives with the ability to pay.
Both the income required to access the loan and the amount of the loan will depend on the evaluation carried out by each financial institution.