New Mivivienda Credit: Can I receive the Good Payer Bonus if I purchase a second-hand property?

The New Mivivienda Credit In July, it granted 1,658 mortgage loans to people of average income and with a good credit history who seek to acquire a property, the highest figure in all of 2022. In this note we will tell you if the Good Payer Bonus applies to a second-use property .

However, it should be noted that the New Mivivienda Credit is a mortgage loan channeled through Intermediary Financial Institutions (IFI) to a beneficiary who meets the established requirements.

LOOK: New Credit Mivivienda 2022: access this benefit if you only issue receipts for fees

How much does it finance?

This credit finances a maximum of 90% of the value of the home and the payment installment will always be the same.

In addition, it offers you the Good Payer Bonus and the Good Payer Prize as a complement to the initial fee.

What are the requirements to access the benefit?

To purchase a home, the following conditions must be met:

Be of legal age (18 years).
Be a natural person resident in Peru or Peruvian resident abroad.
Have a minimum down payment of 7.5% of the value of the home.
Be qualified as credit subject by a Financial Institution (IFI).
Not be the owner or co-owner of another home in any locality in the country. Neither may the spouse or legally recognized cohabitant be the owner of another home, regardless of their patrimonial regime, or the minor children.
Not having acquired, neither the applicant nor his spouse or legally recognized partner, a home financed with resources from the Mivivienda Fund or the Techo Propio Program or Fonavi.

Does the New Mivivienda Credit apply to a second-use property?

Yes, the Mivivienda loan applies to both new and second-use properties, as long as the value is within the established ranges.

The price of the chosen home must be between S/ 65,200 and S/ 464,200.

Can I receive the Good Payer Bonus if I purchase a second-use property?

Yes, you can also access the Good Payer Bonus (BBP), which ranges from S/ 7,300 to S/ 25,700. This aid is non-refundable, that is, it is not repaid as long as total prepayments are not made before five years.

The BBP varies by home price range. Here is the table of values: