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The Mivivienda Foundation (FMV) has the Nuevo Crédito Mivivienda program, which helps finance the purchase or construction of real estate so that families can fulfill their dream. own house.
For this loan, the beneficiary you can pay a maximum of 90% of the value of the house with the same installment plan; that is, it is channeled through financial institutions.
Can I get a loan twice?
The Mivivienda Foundation can grant the same loan no more than twice. one person, their spouse or legally recognized partner. To do this, the following requirements must be met:
The recipient must pay in full Mivivend’s first loan what did he get
If you are looking for a second loan, you will have to prove that you do not own the home. If you had one for your first loan, it must have been sold or given to someone else.
The second loan will not benefit from the Good Payer Bonus (BBP).
These are the requirements for applying for a loan
- Reached 18 years old.
- The beneficiary must be an individual residing in Peru or a Peruvian residing abroad.
- Saved on your down payment, equal to 7.5% of the total cost of the house.
- Achieved a positive rating Financial Institution (IFI).
- Not be the owner or co-owner of the property in any area of the country, the requirement applies to a spouse, or a legally recognized partner, regardless of their patrimonial regime or minor children.
- Without acquiring either the applicant, his spouse or a legally recognized partner a house financed by the Mivivienda Foundation or Techo Propio or Fonavi software.
This is the procedure for requesting a new Mivivienda loan.
- Ask for an estimate. The beneficiary must find a financial institution to assess their ability to pay and consult on programmed savings.
- Find accommodation. Through the official page, developers, real estate portals, etc.
- Choose accommodation: Although there are several options, if you choose a sustainable project, you will be given an additional bonus to the original one.
- Buy a house. When the loan is approved, you can already be considered a qualified homeowner.
Source: RPP
I am Dylan Hudson, a dedicated and experienced journalist in the news industry. I have been working for Buna Times, as an author since 2018. My expertise lies in covering sports sections of the website and providing readers with reliable information on current sporting events.