Buy one formal housing It is an important decision and involves key aspects such as financing and the budget to take into account. In this context, the Association of Real Estate Developers of Peru (ADI Peru) provides three recommendations for acquiring a property.
Although the union believes that buying a home is currently perceived as a complex challenge, the reality is very different if you organize yourself and define your objectives.
This reality also goes hand in hand with the existence of a national housing deficit, which is why measures need to be taken to promote the development of social housing projects that allow closing the gaps in the sector.
In this sense, the real estate union highlights three suggestions:
Financing. It is important to find out about all the alternatives that exist for financing according to your possibilities. For example, if you are going to buy your first property, you have the option of accessing the housing bonds provided by the State through the Mivivienda Fund (FMV), which give you financing for up to 25 years and allow you to obtain low interest rates. . The projects included in this program can be seen on its website mivivienda.com
ADI Peru highlighted that “the objective of the State is to reduce the housing deficit that exists in the country; That is why the developer companies work accompanying this effort with the construction of megaprojects that exceed 1,000 units”.
Budget. Knowing the amount of the property to buy will allow you to generate an objective or initial fee to save and that is an equally important step. For this reason, the union considers it essential to order income and expenses.
“It is also necessary to know the value of the property to calculate the fee that will have to be paid. If you can save more than the minimum amount, it is very beneficial to have a payment plan with low fees, ”he added.
Credit history. This is the trace that each person leaves in their financial history and includes all the information on cards, loans, debts, among others. Taking care of it through the responsible use of financial products such as credit cards or bank loans can help this task.
“If you have a positive track record, it will be more likely that you will find a good financial alternative,” said ADI Peru.
