FAQs

Proforma is developed lasting 5 calendar days, Tentative properties where customer are listed. Once the decision on which department the customer wishes, must make a reservation 3 thousand new soles, that will run for 15 days and shall be covered in a receipt of Separation. Then, for possible loan approval, commercial advisor will contact the customer with a mortgage adviser. After the 15 days from booking, proceeds to pay the initial fee, representing, least, the 10% the final price of the property. Minute is delivered and the signature of the Minutes of Purchase is made. Finally, then the mortgage payment, department is delivered according to the agreed date.

It is the Lock Housing Unit, action that does not allow the business advisor offering the property for a period of time.

Mortgage:
It is a type of loan that the Bank offers people interested in buying property. The Bank disburses the loan amount in the account of the housing, and after a month the customer begins paying monthly installments to the Bank.

Direct Credit:
It is a different option to the Mortgage, is when the customer deposits the money directly in the housing real estate. The purchase process is the same, only the initial minimum is 30% the final price and the balance is paid in monthly installments over the course of the work.

It is the document certifying the payment agreement between buyer and seller.

It is the acceptance of compliance by the Municipality, that records that (a)Building respects the plans filed with the Town when applying for the Building Permit, and (b)that the work complies with current zoning.

It is the legal recognition, statement endorsed by the owner, the existence of any type of building in an urban land. Here the technical and general nature of the work specified.

This means that the property exists physically.

Being a natural person resident in Peru or Peruvian residing abroad.

Qualify as creditworthy by a Financial Institution (IFI);

In owning the co-owner, another home in any city in the country. Nor may own another home, cohabiting spouse or legally recognized regardless of their property regime or minor children.

No purchasing, neither the applicant nor their spouse or legally recognized, a home financed with resources from MIVIVIENDA SA. or Own Roof Program, FONAVI or Banco de Materiales, even when they are no longer the same owner.

This insurance guarantees the financial company to recover the amount owed, and in turn, free to the heirs of the obligation to comply with the payment of the balance of credit.

No purchasing, neither the applicant nor their spouse or legally recognized, a home financed with resources from MIVIVIENDA SA. or Own Roof Program, FONAVI or Banco de Materiales, even when they are no longer the same owner.

Because this insurance protects your property from possible accidents or property damage from unforeseen events such as fire, earthquakes, structural damage or facilities. It is noteworthy that, only covers the building of the property value, not the value of the land. The insurance premium is calculated on the basis of the reconstruction value of the property (excluding ground), since the purpose of this insurance is to leave the property in the same condition it was before the accident to the value of the sum insured shown in the certificate of insurance. Property insurance is essential as part of the real phase of credit and must be contracted before disbursement. The cost of the policy varies.

Registrales Expenses: It is the amount you must pay in the Public Registry for the registration of the acts listed in the deed. This amount varies according to the acts that registration.

Notary fees: Are the fees charged by the notary to formalize the legal acts involved in the sale of a property and disbursement of mortgage credit. These acts are transcribed in the deed signing the bank and the buyer.

Appraisal Costs: Physical assessment and visual inspection of the property are carried out by an expert appraiser in the Register of the Superintendency.

Note that, once you cancel your last mortgage payment or if you want to transfer the property you are paying should call for the lifting of the mortgage registered in favor of the Bank to the property is free from all encumbrances. The Bank is obliged to deliver the minutes of rising mortgage free of charge according to the provisions of Regulation Transparency of information and recruitment rules with users of the financial system approved by SBS Resolution No. 1765-2005, which, prohibits the charging of this fee by companies supervised by the SBS.