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More and more young people between the ages of 18 and 35 are choosing to pay a mortgage instead of a loan. rent and this is evidenced by the demand for this type of loan, which by the end of this year may grow up to 15% compared to 2021.
According to Oscar Vilches, regional manager for Caja Piura in the northeast, of the total number of people who apply to a financial institution to finance their home, a quarter young people who are looking for an average loan of S/110,000.
Contrary to what many might think, this debt can be written off multiple times in less than 11 years.
“Young people are eager to become independent and fulfill their dream of owning their own home, especially now that rents are up 19%,” says Vilches.
However, what is recommended to young people before taking out a loan?
The official reminded all borrowers to consider their socio-economic level, type of housing, as well as the characteristics of housing. property (location, number of rooms, bathrooms, etc.) and based on that decide how much they are willing to borrow.
What do young people prefer?
He prefers apartments from 55 m2 to 70 m2 with one or two rooms. “They are willing to sacrifice space in exchange for living in a better place,” the spokesperson says.
According to the Association of Real Estate Companies (ASEI), in Lima, the demand of Lima residents is concentrated in the Miraflores, Barranco and Surco areas. While in the rest of the country, “regions where more young customers are applying for mortgages are Piura, Lambaeque, Cajamarca, La Libertad and Amazonas,” Vilches points out.
Thanks to the initiative of these regions, the number of placed mortgage loans for youth is expected to reach SGD 8 million by the end of 2022.
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.