Around 95% of urban developments are informal, according to data from the Association of Real Estate Developers of Peru (ADI Peru). The self-construction of households may generate the following risks:
Vulnerability. In Peru there are several houses in informal urbanizations, which do not have permits or licenses, located in high-risk areas such as streams, riverbanks or hillsides, which are classified as uninhabitable and are more vulnerable because they are exposed to be affected by natural phenomena.
Deficiency. Due to the different geographies that our country has, each area, despite being developable, has specific structural requirements so that the buildings are durable and provide the necessary security to its inhabitants. Some of these constructions do not take these requirements into account and may be deficient, as well as being oversized for the area, with the extra cost that this implies.
Short duration. Many of the people who self-build their homes use the materials without much knowledge of technical, structural or quality aspects. This makes it possible to use, for example, bricks that do not have the necessary resistance, ceramics that are not suitable for transit or paint that does not resist humidity, in addition to others, causing the house to have a weak structure or its finishes to last. bit.
To avoid these problems, the best option is to acquire a land in a formal authorization that has all the necessary studies and permits, in addition to consulting professionals for the design of your home and obtaining the construction license from the respective municipality.
In addition, there is also the possibility of acquiring a formal home also built with all safety standards, and in the case of people with fewer resources, who are the ones who generally appeal to self-construction, there are different options provided by the State through of various financing programs such as Techo Propio, the MiVivienda Credit and other specialized ones such as the Green Bond.
