Fondo Mivivienda S.A. Principal Supporter of Housing in Peru

Transcription

Index
CHAPTER I
MIVIVIENDA CREDITS
1.1 Glossary
Page 4
1.2 Executive Summary
Page 5
1.3 Overall Figures
Page 6
1.4 Products, Financial Institutions and Regions
Page 11
CHAPTER II
BONO FAMILIAR HABITACIONAL: Housing Government Bonus
2.1 Glossary
Page 22
Page 23
2.3 Overall Figures
Page 24
2.4 Disbursements, Modalities and Regions
Page 27
2.5 Authorized Centers, Signed Agreements and Technical Entities
Page 34
CHAPTER III
BONO DE PROTECCIÓN DE VIVIENDAS VULNERABLES A LOS RIESGOS SÍSMICOS: Housing Protection
against Seismic Risk Bonus
Page 36
3.2 Disbursements in numbers and amounts
Page 36
2
CHAPTER I
3
MIVIVIENDA PRODUCTS
- GLOSSARY 1. Mortgage Credit
Contract whereby a financial institution grants a credit to a person in order to acquire, build, improve or expand a house.
That credit will be paid in terms and conditions agreed between and among the parties, providing real estate as
guarantee.
2. Mivivienda Credits
Mortgage Credits financed by Intermediate Financial Institutions (IFI) with Fondo Mivivienda S.A (FMV) resources.
Mivivienda Credits consist on: Nuevo Crédito Mivivienda, MiConstrucción, Financiamiento Complementario Techo
Proprio, MiCasa Más and MiTerreno. A brief summary regarding the current products is shown, as follows:
Nuevo Crédito Mivivienda: Mortgage credit given in Soles, fixed rate and 10 to 20-year financing term and a
minimum down payment of 10%. This credit may finance the purchase of completed, in construction or in project
houses that are of first sale or second use houses, which value ranges from 14 Applicable Tax Units (ATU) (S/
55,300) to 70 ATU (S/ 276,500).
MiConstrucción: Mortgage credit which allowing the real estate’s owner to build, extend, improve or acquire a
house with up to S/ 100,000 financing. This credit is given in Soles, fixed rate and up to 12-year financing term
and prepayments without penalties may be performed.
Financiamiento Complementario Techo Propio: Mortgage credit related to Techo Propio Program, given by a
financial institution to cover the differential between the house’s value to be acquired, built or improve and the
family savings made along with the subsidy granted by the State.
MiCasa Más: Mortgage credit given in Soles, fixed rate and 10 to 20-year financing term, with the possibility to
make total or partial payments in advance. This credit allows the purchase of completed, in construction or in
project houses, as long as they are of first sale or second use houses. The loan amount ranges from S/ 45,000 to
S/ 270,000, with a minimum down payment of 20%, and the fee slippage of payment schedule in a chance
occurrence or force majeure suspending temporally the income source.
MiTerreno: Mortgage credit allowing the purchase of urban, private or public land for housing or workshop
housing, which loan amount is up to S/ 50,000, with a minimum down payment of 30% of the land’s value. This
credit is given in Soles, with fixed rate and up to 8-year financing term.
3. Intermediate Financial Institutions (IFI)
Financial System Companies that operate under the supervision of the Superintendencia de Banca, Seguros y AFP (SBS)
and fullfill FMV's requirements.
4. Mortgage Delinquency
The percentage of direct credits in default or in judicial collection regarding total credits. The mortgage delinquency rate
of Mivivienda Credits presented in this bulletin measures the quality of Mivivienda Credits portfolio from IFI's in relation
to sub-borrowers.
4
MIVIVIENDA PRODUCTS: SITUATION AT MARCH 2016
- EXECUTIVE SUMMARY Overall Figures
In March 2016, 705 credits were placed, at a level similar to credits placed in March 2015 (706 credits), although it
increased by 51 compared with February. In monetary terms, the amount disbursed was S/ 73.7 million, decreasing by S/
9.1 million compared with March 2015 and S/ 0.3 million compared with February.
In February 2016, Mivivienda Credit’s participation in the mortgage credits of the Financial System (calculated as the
number of Mivivienda credits over the number mortgage credits placed in the Financial System) was 25.2%, increasing by
1.1% regarding the participation observed in February 2015.
As of March 31, 2016, the book value of the Mivivienda Credit portfolio amounted to S/ 5,968 million, increasing by 0.2%
compared with February and 9.6% compared to the end of March 2015. On the other hand, at the end of February 2016,
the mortgage delinquency rate - which measures the quality of Mivivienda Credits portfolio from IFI's with subborrowers- was 2.75%, increasing by 0.03% compared to the closing rate of January and 0.94% compared to February
2015. It is essential to point out that the accelarated growth of the mortgage delinquency rate since May 2015 is mainly
due to the deterioration of the mortgage portfolio of the CRAC Señor de Luren. Thus, by the end of February, the
mortgage delinquency rate without taking into account that CRAC Señor de Luren portfolio was 2.37%, 0.38% below total
mortgage delinquency rate.
Products
Analyzing the behavior by products, in March 2016, placements under Nuevo Crédito Mivivienda modality - main product
of FMV with more than 90% participation - were 693, increasing by 58 compared to March 2015; Financiamiento
Complementario Techo Propio were 7 credits, standing at a similar level as in March 2015; MiConstrucción were 5 credits,
with a decline of 56 compared to the amount observed in March 2015; MiCasa Más and MiTerreno were not granted. In
monetary terms, the amount disbursed of Nuevo Crédito Mivivienda reached S/ 73.3 million, Financiamiento
Complementario Techo Propio S/ 189,257 y MiConstrucción S/ 268,000.
Financial Intermediaries
According to financial institutions, 479 Mivivienda credits out of 705 placed credits, were channeled through banks (68%
of total), mainly through Banco Financiero (131), Interbank (106) and BCP (103); 137 credits were channeled through
Municipal Savings and Loan Institutions ("Cajas Municipales de Ahorro y Crédito" or "CMACs", as per the Spanish
acronym) (19.4% of the total), headed by Caja Sullana with 89; 46 credits through Financiera TFC (6.5% of the total); 38
credits through Edpyme MiCasita (5.5% of the total); y 5 through Credit Unions.
Regions
Regarding the analysis by geographic area, in March, placements in Metropolitan Lima (provinces of Lima and Callao)
were 338, to a level below the one obtained of March 2015 (388) and the previous month (381). In contrast, placements
in provinces (Domestic except Metropolitan Lima) reached 367, increasing by 49 credits compared with March 2015 and
94 regarding the previous month.
5
1.1 Overall Figures
6
FMV STATISTICS: SITUATION AT MARCH 2016
CHART 1.1.1. PLACEMENTS OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET1/
(Number of credits disbursed)
60
.0
50
.0
40
.0
25.6 26.6
29.1
28.7
31.0
26.2
24.7 25.6 25.8
25.3
28.6
24.1
30
.0
25.2
23.3
22.4
21.4 21.0 20.4
30.2
27.7 28.0
27.5 27.0
26.0
20
.0
10
.0
FMV
Financial System Total
Mar *
Feb
Jan 2016
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2015
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar 2014
0.0
FMV Participation Rate (%)
Source: SBS and FMV
NOTE:
1/ Includes all credit modalities sponsored by FMV.
(*) Information on Financial System is not available as the date of preparation of this bulletin.
CHART 1.1.2: DISBURSED AMOUNT OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET 1/
(In thousands of S/)
1,000
, 00
32
.0
90
00
, 00
27
.0
80
00
, 00
22
.0
70
0,000
60
00
, 00
17
.0
14.3
50
00
, 00
12.4
12.7
13.5
14.7
14.3
11.8
11.2
40
00
, 00
12.7
12.1
11.7
13.2
11.5
12
.0
10.9
8.9
8.8
8.6
9.1
10.1
9.1
10.7
10.8
10.7
8.6
30
00
, 00
7.0
20
00
, 00
2.0
10
00
, 00
FMV
Financial System Total
Mar *
Feb
Jan 2016
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2015
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
-30
.
Mar 2014
0
FMV Participation Rate (%)
Source: SBS and FMV
NOTE:
1/ Includes all credit modalities sponsored by FMV.
(*) Information on Financial System is not available as the date of preparation of this bulletin.
7
Developed by: Planning, Foresight and Organizational Development Office - FMV
CHART 1.1.3: MORTGAGE PORTFOLIO BALANCE OF MIVIVIENDA CREDITS AND FINANCIAL SYSTEM
15.3
15.2
15.4
15.4
15.4
15.4
15.4
15.4
15.4
15.3
15.3
15.3
15.2
15.4
15.4
15.4
15.4
15.4
15.3
15.3
15.3
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan 2015
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan 2016
Mortgage Portfolio Balance of FMV 2/
15.2
Mar *
15.1
Feb
15.1
Mar 2014
(In Millions of S/)
2.72
2.75
Mortgage Portfolio Balance in the Financial System
FMV Mortgage Portfolio Participation in the Financial System (%)
Source: SBS and FMV
NOTE:
1/ Information on Financial System is not available as the preparation of this bulletin.
2/ Trust Agreement – COFIDE (Principal Balance). Neither provisions nor interests are considered.
CHART 1.1.4: MORTGAGE PORTFOLIO DELINQUENCY OF FMV1/ AND FINANCIAL SYSTEM
(In percentages)
2.58
FMV Average Rate (last 24 months): 1,93%
2.37
2.43
2.24
2.06
2.09
2.13
1.97
1.61
1.65
1.66
Aug
Sep
1.77
1.78
1.83
Feb
1.59
Jul
1.46
1.58
Jun
1.47
1.53
May
Oct
FMV
1.43
Feb
Sep
1.36
Jan 2015
1.37
Dec
1.33
Nov
1.33
Aug
1.25
1.30
1.51
Apr
1.57
Jul
Apr
1.24
Jun
1.15
May
1.16
2.02
1.92
Jan 2016
1.77
Dec
1.74
Nov
1.75
1.37
Mar 2014
1.34
1.55
1.68
1.80
Mar
1.52
1.67
1.83
Oct
1.66
1.81
Financial System Mortgage
Source: SBS and FMV
NOTE:
1/ Delinquency rate of IFIs regarding Mivivienda Credit Portfolio.
8
CHART 1.1.5: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT
2015
Products
2016
'Variation (Unit)
2014
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dic
Total
Jan
Feb
Mar 16 Mar 15
Mar
9,454
699
584
635
543
576
660
745
797
782
721
774
711
8,227
678
646
693
58
MiConstrucción
759
50
58
61
62
21
42
32
29
26
53
30
19
483
25
1
5
-56
Financiamiento Complementario TP
551
21
3
7
2
14
115
29
32
20
44
45
15
347
30
5
7
0
12
2
3
2
1
6
2
2
3
5
2
28
4
2
1
1
831
822
Nuevo Crédito Mivivienda
MiCasa Más
MiTerreno
1
Total
10,777
3
772
648
706
609
612
817
812
860
0
-3
5
854
747
9,090
737
654
705
-1
Placements of Mivivienda Credits by Product
MiConstrucción
FCTP
MiCasa Más
MiTerreno
1
2
93
41
6
3
2
3
870
850
778
3
790
759
747
763
709
700
716
61
635
2
1
2
14
62
543
Mar
Feb
2015 Jan
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
584
2014 Mar
15
30
2
7
25
5
25
19
58
699
53
7
4
21
42
797
3
745
782
21
774
721
711
678
660
693
646
576
Mar
3
705
2
30
32
74
50
26
115
Feb
72
63
44
2016 Jan
21
45
20
29
3
Dec
52
29
2
Nov
40
32
1
2
Oct
24
706
1
Sep
34
2
Aug
2
60
80
62
1
2
12
Jul
70
33
57
58
Jun
79
59
May
1
50
Apr
885
Source: FMV
CHART 1.1.6: PLACEMENTS OF MIVIVIENDA CREDITS PER TYPE OF IFI AND IN ACCORDANCE TO IFI
Placements of Mivivienda Credits per Type of IFI – March 2016
Part. %
479
CMAC 19%
Banco 68%
Finance
Company
7%
137
46
Edpyme 5%
38
CAC
1%
5
Bank
CMAC 1/
Finance Company
Edpyme 2/
CAC 3/
Placements of Mivivienda Credits per Type of IFI – March 2016
131
Part. %
106
103
BCP 15%
89
CMAC
Sullana 13%
82
74
Interbank
15%
BIF
10%
46
38
36
Banco
Financiero
19%
Financiera
TFC 7%
CMAC
Huancayo Edpyme
5%
MiCasita 5%
Otras IFI's
12%
Banco
Financiero
Interbank
BCP
CMAC Sullana
BIF
Financiera TFC
Edpyme
MiCasita
CMAC
Huancayo
Otras IFI's
Source: FMV
Note:
1/ Municipal Savings and Loans Institutions
2/ micro-Enterprise Development Company
3/ Credit Unions
9
CHART 1.1.7. PLACEMENTS OF MIVIVIENDA CREDITS ACCORDING TO METROPOLITAN LIMA1/ Y PROVINCES
Mivivienda Credits according to Metropolitan Lima and Provinces
331
390
460
439
465
420
373
318
265
376
273
367
Provinces
293
Metropolitan
Lima
481
388
344
319
Mar
2015
Apr
May
378
Jun
Jul
400
441
Aug
Sep
402
389
374
361
381
338
Oct
Nov
Dec
Jan
2016
Feb
Mar
Mivivienda Credits according to Metropolitan Lima and Provinces ( Part. %)
45%
44%
41%
48%
53%
54%
47%
51%
54%
50%
42%
51%
52%
Provinces
Metropolitan
Lima
55%
Mar
2015
56%
59%
52%
Apr
47%
46%
May
Jun
Jul
Aug
53%
49%
46%
Sep
Oct
Nov
58%
50%
49%
Dec
Jan 2016
48%
Feb
Mar
Source: FMV
NOTE:
1/ Metropolitan Lima considers the provinces of Lima and Callao.
CHART 1.1.8: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION1/
Mivivienda Credits by Region - March 2016
Mivivienda Credits by Region – March 2016
312
74
72
63
61
33
26
24
13
9
6
4
2
2
1
1
1
1
Source: FMV
Source: FMV
NOTe:
1/ The brighter colors indicate greater number of placements.
10
1.2 Products, Financial Institutions and Regions
11
TABLE 1.2.1: DISBURSEMENTS OF MIVIVIENDA CREDITS AS OF MARCH 31, 2016
Credits Disbursed
Year
Accumulated
Number
Amount c/
9,731,775
Number
Amount c/
TOTAL
114,461
1999 a/
143
8,911
143
8,911
2000
405
25,578
548
34,489
2001
1,410
83,860
1,958
118,348
2002
3,590
240,907
5,548
359,255
2003
6,851
447,231
12,399
806,487
2004
8,223
576,318
20,622
1,382,804
2005
9,449
712,141
30,071
2,094,946
2006
5,752
438,519
35,823
2,533,465
2007
3,396
230,788
39,219
2,764,253
2008
4,469
212,269
43,688
2,976,522
2009
4,810
272,434
48,498
3,248,956
2010
8,456
625,207
56,954
3,874,163
2011
11,071
947,295
68,025
4,821,458
2012
11,309
1,113,574
79,334
5,935,031
2013
13,164
1,403,186
92,498
7,338,218
2014
10,777
1,182,406
103,275
8,520,624
2015
9,090
982,266
112,365
9,502,890
2016 b/
2,096
228,886
114,461
9,731,775
Source: FMV
NOTE:
a/ From July 1999.
b/ Accumulated from January to March
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of 2016 (S/ 3.383).
TABLE 1.2.2: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCTc/AS OF MARCH 31, 2016
Year
MIVIVIENDA
Tradicional
Financiamiento
Complementario
Techo Propio
Cobertura de
Riesgo PBP
MIVIVIENDA
Estandarizado
TOTAL
33,294
11,167
5,399
281
3,999
1999 a/
143
-
-
-
-
2000
405
-
-
-
2001
1,410
-
-
2002
3,590
-
2003
6,834
17
2004
7,960
2005
MiHOGAR
Nuevo Crédito
Mivivienda
MiConstrucción
MICASA MÁS
MITERRENO
Total
58,045
2,224
46
6
114,461
-
-
-
-
143
-
-
-
-
-
405
-
-
-
-
-
-
1,410
-
-
-
-
-
-
-
3,590
-
-
-
-
-
-
-
6,851
263
-
-
-
-
-
-
-
8,223
9,204
245
-
-
-
-
-
-
-
9,449
2006
3,748
205
1,736
63
-
-
-
-
-
5,752
2007
-
273
2,634
57
432
-
-
-
-
3,396
2008
-
1,475
661
71
2,262
-
-
-
-
4,469
2009
-
1,283
368
90
1,305
1,764
-
-
-
4,810
2010
-
2,007
-
-
-
6,449
-
-
-
8,456
2011
-
2,183
-
-
-
8,888
-
-
-
11,071
2012
-
1,176
-
-
-
9,945
188
-
-
11,309
2013
-
1,100
-
-
-
11,301
763
-
-
13,164
2014
-
551
-
-
-
9,454
759
12
1
10,777
2015
-
347
-
-
-
8,227
483
28
5
9,090
2016 b/
-
42
-
-
-
2,017
31
6
-
2,096
Number of credits disbursed
Source: FMV
NOTE:
a/ From July 1999.
b/ Accumulated from January to March.
c/ The periods of placement of Mivivienda Credits of the previous table are the following:
c.1 MIVIVIENDA Tradicional: July 1999 – April 2006
c.2 Financiamiento Complementario Techo Propio : since November – Up to the present
c.3 Cobertura de Riesdo PBP: May 2006 – October 2009. The total number of credits (5,399) were not attended with resources of the FMV S.A.
c.4 MIVIVIENDA Estandarizado: from July 2006 – November 2009
c.5 MIHOGAR: MARCH 2007 – August 2009.
c.6 Nuevo Crédito Mivivienda: were place from June 2009 – Up to the present
c.7 MICONSTRUCCIÓN: from July 2012 – Up to the present
c.8 MI CASA MÁS: January 2014 – Up to the present
c.9 MITERRENO: March 2014 – Up to the present.
12
TABLE 1.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF MARCH 31, 2016
Year
MIVIVIENDA
Tradicional
Financiamiento
Complementario
Techo Propio
Cobertura de
Riesgo PBP
MIVIVIENDA
Estandarizado
TOTAL
2,389,677
199,133
419,825
24,861
1999 a/
8,911
-
-
2000
25,578
-
2001
83,860
2002
240,907
2003
2004
Nuevo Crédito
Mivivienda
MiConstrucción
MICASA MÁS
MITERRENO
Total
225,569
6,377,888
88,299
6,264
260
9,731,775
-
-
-
-
-
-
8,911
-
-
-
-
-
-
-
25,578
-
-
-
-
-
-
-
-
83,860
-
-
-
-
-
-
-
-
240,907
447,035
196
-
-
-
-
-
-
-
447,231
573,267
3,051
-
-
-
-
-
-
-
576,318
2005
709,301
2,840
-
-
-
-
-
-
-
712,141
2006
300,818
2,316
129,914
5,471
-
-
-
-
-
438,519
2007
-
3,319
199,150
4,794
23,525
-
-
-
-
230,788
2008
-
23,429
56,348
6,371
126,121
-
-
-
-
212,269
2009
-
21,230
34,413
8,225
75,923
132,643
-
-
-
272,434
2010
-
35,219
-
-
-
589,988
-
-
-
625,207
2011
-
42,405
-
-
-
904,890
-
-
-
947,295
2012
-
23,732
-
-
-
1,083,959
5,883
-
-
1,113,574
2013
-
21,076
-
-
-
1,353,633
28,477
-
-
1,403,186
2014
-
10,803
-
-
-
1,139,271
30,941
1,372
20
1,182,406
2015
-
8,585
-
-
-
947,987
21,561
3,893
240
982,266
2016 b/
-
933
-
-
-
225,518
1,437
999
-
228,886
MiHOGAR
In Thousands of S/
c/
Source: FMV
NOTE:
a/ From July 1999.
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of 2016 (S/ 3.383).
TABLE 1.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF MARCH 31, 2016
Destination
Product
1999 2006 a/
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Total
TOTAL
35,823
3,396
4,469
4,810
8,456
11,071
11,309
13,164
10,777
9,090
2,096
114,461
21,122
-
-
-
-
-
-
-
-
-
-
21,122
210
230
1,449
1,240
2,007
2,180
1,153
1,094
551
290
42
10,446
1,200
1,998
586
304
-
-
-
-
-
-
-
4,088
MIVIVIENDA Estandarizado
57
48
66
89
-
-
-
-
-
-
-
260
MiHOGAR
0
337
2,019
1,224
-
-
-
-
-
-
-
3,580
0
-
-
1,598
6,099
8,614
9,581
10,758
8,636
7,330
1,792
54,408
MiConstrucción
0
-
-
-
-
-
188
459
177
123
6
953
MICASA MÁS
0
-
-
-
-
-
-
-
11
19
1
31
MITERRENO
0
-
-
-
-
-
-
-
1
5
-
6
12,172
-
-
-
-
-
-
-
-
-
-
12,172
MIVIVIENDA Tradicional
Financiamiento Complementario Techo Propio
Cobertura de Riesgo PBP
Housing in construction
Land
MIVIVIENDA Tradicional
Finished housing
Financiamiento Complementario Techo Propio
520
43
26
43
-
3
23
6
-
57
-
721
Cobertura de Riesgo PBP
536
636
75
64
-
-
-
-
-
-
-
1,311
MIVIVIENDA Estandarizado
6
9
5
1
-
-
-
-
-
-
-
21
MiHOGAR
0
95
243
81
-
-
-
-
-
-
-
419
0
-
-
166
350
274
364
491
674
519
140
2,978
MICASA MÁS
0
-
-
-
-
-
-
-
1
9
5
15
Housing in enlargement
MiConstrucción
0
-
-
-
-
-
-
90
256
134
5
485
Housing Improvement
MiConstrucción
0
-
-
-
-
-
-
214
326
226
20
786
0
-
-
-
-
-
-
52
144
368
75
639
0
-
-
-
-
-
-
-
-
10
10
20
Second use housing
Construction of housing in
owned land 1/
Source: FMV
NOTE:
a/ From July 1999.
13
TABLE 1.2.5: PLACEMENTS OF MIVIVIENDA CREDITS, ACCORDING TO TYPE AND FINANCIAL ENTITY AS OF MARCH 31, 2016
Type of IFI
IFI
1999 -
2007
2008
2009
2010
35,823
3,396
4,469
4,810
8,456
11,071
11,309
-
-
3
-
-
-
-
1,038
-
-
-
193
153
446
2006 a/
2011
2012
2014
2015
2016 b/
Total
13,164
10,777
9,090
2,096
114,461
-
-
-
-
3
989
1,258
1,172
212
5,461
2013
TOTAL
Banco Falabella
BIF
92
27
45
23
68
60
15
15
59
31
4
439
Continental
5,467
622
373
383
881
1,478
1,320
1,055
941
393
67
12,980
Crédito
7,915
100
917
1,698
2,363
2,940
3,344
4,043
2,469
1,452
429
27,670
Financiero
2,704
30
147
212
380
613
653
527
831
1,039
400
7,536
Interbank
4,594
947
1,781
864
2,293
3,091
3,008
2,386
889
726
263
20,842
Comercio
Bank
333
-
2
-
-
-
4
6
14
-
-
359
Scotiabank
1,202
1,417
246
187
331
973
499
723
1,213
772
118
7,681
Sudamericano
1,253
-
-
-
-
-
-
-
-
-
-
1,253
Trabajo
3,433
31
-
-
-
-
-
-
-
-
-
3,464
Wiese Sudameris
4,865
-
-
-
-
-
-
-
-
-
-
4,865
Banco GNB Peru
-
-
-
-
-
-
-
-
60
55
2
117
AELUCOOP
-
-
-
-
-
-
-
-
-
1
12
13
CAC Abaco
12
-
-
-
-
-
-
-
-
-
-
12
CAC El Pacífico
39
-
1
-
-
-
-
-
-
-
-
40
-
-
-
-
-
-
4
29
5
5
2
45
CAC San Martín de Porres
11
-
3
2
-
-
-
-
6
15
7
44
CAC Santa María Magdalena
38
-
-
-
-
-
18
-
-
-
-
56
La Rehabilitadora
-
-
-
-
-
-
-
-
1
18
-
19
Prestasur
-
44
-
402
76
64
322
706
612
731
-
2,957
Mi Banco
CAC San Francisco
CACc/
CAC Quillacoop
Caja Metropolitana
CMAC
d/
CRACe/
-
-
-
-
-
22
5
-
27
15
56
97
60
6
80
12
-
1,464
25
3
42
12
37
112
112
143
158
286
115
1,045
20
30
102
114
57
109
181
176
173
216
34
1,212
CMAC Maynas
-
-
-
-
-
-
1
8
9
2
-
20
CMAC Paita
-
-
4
3
17
14
-
-
-
-
-
38
CMAC Piura
-
-
122
10
-
-
-
-
-
-
-
132
CMAC Sullana
4
-
-
-
-
19
50
456
772
1,195
188
2,684
CMAC Tacna
70
-
-
-
-
-
-
-
-
-
-
70
CMAC Trujillo
247
1
4
3
2
2
24
12
7
1
-
303
Crac Caja Sur
166
-
-
-
-
-
-
-
-
-
-
166
CRAC Credinka
-
-
-
-
3
48
96
178
106
41
2
474
CRAC Cruz de Chalpón
3
-
-
-
-
-
-
-
-
-
-
3
145
22
40
-
-
-
-
-
-
-
-
207
CRAC Nuestra Gente
-
-
-
7
29
31
6
-
-
-
-
73
CRAC Prymera
8
-
-
-
-
-
-
-
-
-
-
8
CRAC San Martín
97
-
-
-
-
-
-
-
-
-
-
97
Crac Sr. De Luren
319
15
319
97
287
326
864
1,360
387
-
-
3,974
Edpyme Confianza
130
-
-
-
-
-
-
-
-
-
-
130
8
-
-
-
-
-
-
-
-
-
-
8
269
-
-
-
-
-
-
-
-
-
-
269
2,390
CRAC Nor Perú
Edpyme Edyficar
-
69
136
238
294
131
133
218
553
534
84
Edpyme Nueva Visión
10
-
-
-
-
-
-
-
-
-
-
10
Financiera CMR
174
-
-
-
-
-
-
-
-
-
-
174
Financiera Confianza S.A.A.
Financiera Solución
Financiera TFC
Mortgage Company Hipotecaria SURA
Other
2
CMAC Ica
Edpyme MiCasita
Finance Company
38
CMAC Huancayo
Edpyme Crear Arequipa
Edpyme f/
1,098
Hipotecaria SURAg/
-
-
-
-
-
-
-
1
-
-
-
1
34
-
-
-
-
-
-
-
-
-
-
34
-
-
180
535
968
719
34
4
117
388
157
3,102
-
-
-
5
120
58
-
-
-
-
-
183
-
-
-
-
1
33
115
123
35
-
-
307
Source: FMV
NOTE:
a/ From July 1999.
c/ Credit Unions
d/ Municipal Savings and Loans Institutions
e/ Rural Saving and Loans Institutions
f/ micro-Enterprise Development Company
g/ Mortgage Management Company (EAH, per its Spanish acronym)
14
TABLE 1.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AND REGION AS OF MARCH 31, 2016
Region
Financiamiento
Complementario
Techo Propio
MIVIVIENDA
Tradicional
Cobertura de
Riesgo PBP
MIVIVIENDA
Estandarizado
Nuevo Crédito
Mivivienda
MiHOGAR
MiConstrucción
MICASA MÁS
MITERRENO
Total
TOTAL
33,294
11,167
5,399
281
3,999
58,045
2,224
46
6
AMAZONAS
2
-
-
-
-
101
-
-
-
103
152
414
23
-
17
406
7
-
-
1,019
ANCASH
114,461
APURIMAC
6
-
11
-
1
133
-
-
-
151
AREQUIPA
1,357
850
79
5
253
2,382
840
10
2
5,778
AYACUCHO
35
53
-
-
-
64
9
-
-
161
CAJAMARCA
53
-
8
-
48
372
24
-
-
505
CALLAO
781
290
430
2
169
2,812
79
1
-
4,564
CUSCO
477
31
88
-
7
500
24
-
-
1,127
-
-
-
-
-
1
-
-
-
1
27
38
1
-
1
66
-
-
-
133
ICA
865
4,553
44
-
142
3,307
9
-
-
8,920
JUNIN
219
70
31
-
83
1,040
2
1
-
1,446
1,867
1,551
272
5
254
2,896
60
5
-
6,910
874
217
128
-
173
3,301
141
-
1
4,835
25,672
894
4,232
266
2,557
36,574
463
26
3
70,687
78
-
-
-
1
16
1
-
-
96
-
-
-
-
-
28
-
-
-
28
19
-
2
-
4
142
72
-
-
239
HUANCAVELICA
HUANUCO
LA LIBERTAD
LAMBAYEQUE
LIMA
LORETO
MADRE DE DIOS
MOQUEGUA
PASCO
1
-
-
-
1
41
-
-
-
43
PIURA
471
727
34
3
266
2,872
408
3
-
4,784
54
206
6
-
11
545
-
-
-
822
SAN MARTIN
127
883
9
-
8
275
4
-
-
1,306
TACNA
257
PUNO
148
-
1
-
3
76
29
-
-
TUMBES
3
-
-
-
-
4
52
-
-
59
UCAYALI
6
390
-
-
-
91
-
-
-
487
Source: FMV
CHART No. 1.2.1: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION
(As of March 31, 2016)
LIMA
ICA
LA LIBERTAD
AREQUIPA
LAMBAYEQUE
PIURA
CALLAO
JUNIN
SAN MARTIN
CUSCO
ANCASH
PUNO
CAJAMARCA
UCAYALI
TACNA
MOQUEGUA
AYACUCHO
APURIMAC
HUANUCO
AMAZONAS
LORETO
TUMBES
PASCO
MADRE DE DIOS
HUANCAVELICA
70,688
8,920
6,910
5,778
4,834
4,784
4,564
1,446
1,306
1,127
1,019
822
505
487
257
239
161
151
133
103
96
59
43
28
1
Source: FMV
15
TABLE 1.2.7: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION AND ACCORDING TO THE TYPE OF PRODUCT
Region
Product
Annual
2012
2013
2014
2015
2016 a/
2,096
11,309
13,164
10,777
9,090
Nuevo Crédito MIVIVIENDA
22
43
18
17
Cred. Complementario TP
111
53
53
14
1
5
2
41
TOTAL
AMAZONAS
ANCASH
MICONSTRUCCION
114
102
136
31
22
9
8
169
2
1
7
MICONSTRUCCION
145
336
236
121
2
491
387
286
321
80
14
APURIMAC
2
MITERRENO
AREQUIPA
AYACUCHO
MICASA MAS
MICONSTRUCCION
CAJAMARCA
CALLAO
8
22
1
19
13
10
1
58
59
29
10
42
27
713
701
403
215
1
7
10
6
108
66
42
26
88
1
MICONSTRUCCION
HUANCAVELICA Nuevo Crédito MIVIVIENDA
HUANUCO
ICA
5
32
9
11
2
469
389
114
73
15
3
4
2
481
628
760
759
1
1
MICONSTRUCCION
112
139
115
185
59
158
172
79
20
1
3
2
MICASA MAS
501
33
6
16
5
454
516
536
136
1
MITERRENO
3
MICONSTRUCCION
581
1
70
38
33
647
558
666
3
MICONSTRUCCION
LORETO
14
247
35
7
17
2
95
218
135
15
7,059
5,641
4,359
993
MICASA MAS
6,089
1
2
MADRE DE DIOS Nuevo Crédito MIVIVIENDA
MOQUEGUA
PASCO
PIURA
18
46
44
39
10
1
1
18
54
MICASA MAS
TUMBES
UCAYALI
1
38
26
23
6
1
1
1
29
164
119
91
5
523
644
679
644
168
137
9
66
193
145
235
216
23
1
3
61
58
30
23
5
1
15
13
MICONSTRUCCION
TACNA
6
41
SAN MARTIN
3
9
MICONSTRUCCION
PUNO
8
22
4
MICONSTRUCCION
19
1
MICONSTRUCCION
205
3
MITERRENO
LIMA
161
1
MICONSTRUCCION
MICONSTRUCCION
LAMBAYEQUE
3
1
MICASA MAS
LA LIBERTAD
83
JUNIN
2
1
MICASA MAS
MICONSTRUCCION
CUSCO
1
1
MICONSTRUCCION
2
MICONSTRUCCION
3
MICONSTRUCCION
1
17
34
17
17
16
17
1
1
1
1
200
8
182
9
22
60
Source: FMV
a/ Accumulated from January to March
16
TABLE 1.2.8: DISBURSEMENTS OF MIVIVIENDA CREDITS IN THE FINANCIAL SYSTEM, BY REGION AND YEARS
Number of Credits per Year
Region
AMAZONAS
a/
2011
1999-2010
2012
2013
Amount per Year (In thousands of S/)c/
2014
b/
2015
TOTAL
2016
Region
3
-
22
43
18
17
-
103
289
98
111
172
157
150
42
1,019
APURIMAC
60
21
31
22
9
8
-
151
AREQUIPA
2,679
511
805
725
523
451
84
ANCASH
a/
2011
1999-2010
AMAZONAS
187
ANCASH
2012
-
2013
2014
b/
2015
2016
1,796
4,086
1,759
2,336
-
12,057
2,360
2,417
8,862
9,714
11,569
3,090
APURIMAC
4,059
1,568
2,651
2,428
817
1,220
5,778
AREQUIPA
152,102
44,786
50,412
59,328
49,063
50,141
11,209
-
TOTAL
10,165
50,069
12,743
417,039
AYACUCHO
90
5
30
1
2
19
14
161
AYACUCHO
2,751
516
2,173
99
120
2,268
1,245
9,172
CAJAMARCA
148
97
88
71
69
30
2
505
CAJAMARCA
12,033
7,446
7,380
5,952
5,525
2,773
188
41,298
CALLAO
1,716
652
714
711
445
243
83
4,564
CALLAO
127,930
49,169
87,576
100,069
58,264
30,966
11,470
465,444
CUSCO
722
136
109
73
52
32
3
1,127
CUSCO
48,430
14,079
11,490
8,923
6,416
3,720
325
93,384
-
-
-
-
-
1
-
1
69
5
5
32
9
11
2
133
4,017
1,045
950
1,020
878
834
176
8,920
ICA
656
177
112
139
116
186
60
1,446
JUNIN
LA LIBERTAD
3,382
890
659
659
604
574
142
6,910
LAMBAYEQUE
1,679
353
584
717
598
699
205
4,835
39,189
6,547
6,092
7,168
6,113
4,549
1,029
70,687
79
2
1
-
2
9
3
96
LORETO
-
-
-
-
-
22
6
28
MADRE DE DIOS
27
-
50
53
80
28
1
239
38
43
PASCO
109
143
90
70
180
4,784
PIURA
70,721
16,514
35,299
53,214
63,722
60,075
PUNO
HUANCAVELICA
HUANUCO
ICA
JUNIN
LIMA
LORETO
MADRE DE DIOS
MOQUEGUA
PASCO
2
1
1
1
-
PIURA
1,225
363
570
862
825
759
PUNO
238
34
75
193
145
137
-
822
SAN MARTIN
517
134
296
274
53
24
8
1,306
TACNA
157
-
3
1
32
47
17
257
TUMBES
4
-
1
18
17
18
1
59
UCAYALI
6
-
-
209
30
242
-
487
13,164
10,777
Total
56,954
11,071
11,309
9,090
2,096
HUANCAVELICA
-
-
-
2,358
416
401
4,322
1,039
1,426
287
10,249
110,572
38,273
47,654
61,845
63,118
59,026
10,658
391,146
41,617
17,130
12,496
15,739
13,917
19,274
6,893
127,066
LA LIBERTAD
216,073
50,129
49,064
51,091
62,001
64,215
17,277
509,849
LAMBAYEQUE
102,072
25,860
52,580
69,320
65,392
68,589
19,732
403,546
3,043,483
670,962
734,315
931,004
760,891
576,753
129,141
6,846,550
3,486
97
45
-
107
1,003
218
4,958
-
-
-
-
998
292
1,290
1,758
113
15,979
HUANUCO
LIMA
-
MOQUEGUA
114,461
1,567
-
-
3,959
-
3,771
81
4,811
-
-
-
81
1,210
1,622
13,368
312,912
5,757
673
2,539
8,058
6,206
6,946
-
30,179
SAN MARTIN
16,730
7,173
8,903
8,773
3,274
2,205
681
47,739
TACNA
10,903
-
319
60
3,090
3,905
1,438
19,715
TUMBES
157
-
15
585
853
1,038
50
2,698
UCAYALI
356
-
-
5,585
2,307
9,983
-
18,231
1,403,186
1,182,406
982,266
228,886
9,843,124
Total
3,985,511
947,295
1,113,574
Source: FMV
NOTE:
a/ From July 1999.
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of March 2016 (S/ 3.383).
TABLE 1.2.9: DISBURSEMENTS OF MIVIVIENDA CREDITS ACCORDING TO BANKS, REGION AND YEARS
a/
b/
Region
1999-2010
AMAZONAS
2
-
22
43
18
17
-
280
98
111
167
148
150
APURIMAC
18
-
4
1
-
AREQUIPA
1,779
440
573
343
175
AYACUCHO
54
-
-
-
-
-
CAJAMARCA
95
90
79
54
57
27
CALLAO
1,669
644
709
663
351
176
81
4,293
CUSCO
722
136
95
29
10
19
3
1,014
-
-
-
-
-
-
-
28
5
-
2
-
-
-
35
2,154
597
302
412
498
325
49
4,337
328
84
36
25
6
10
6
495
2,646
705
617
484
458
429
114
5,453
LA LIBERTAD
LAMBAYEQUE
ANCASH
HUANCAVELICA
HUANUCO
ICA
JUNIN
LA LIBERTAD
LAMBAYEQUE
LIMA
LORETO
MADRE DE DIOS
MOQUEGUA
2011
2012
2013
2014
2015
TOTAL
a/
b/
Region
1999-2010
2014
2015
102
AMAZONAS
132
-
1,796
4,086
1,759
2,336
-
10,110
42
996
ANCASH
11,586
2,360
2,417
8,582
8,906
11,569
3,090
48,510
-
-
23
APURIMAC
1,126
-
378
167
-
-
-
1,670
164
69
3,543
AREQUIPA
119,207
39,871
39,167
41,256
20,309
21,351
8,876
290,037
-
54
AYACUCHO
2
404
CAJAMARCA
2016
1,488
272
578
642
526
573
182
4,261
5,881
5,597
6,300
4,962
3,296
808
63,473
69
-
1
-
2
7
3
82
-
-
-
-
-
-
-
-
26
-
1
-
-
-
1
28
2012
2013
TOTAL
2016
774
-
-
-
-
-
-
774
8,476
6,968
6,660
5,038
4,812
2,469
188
34,611
CALLAO
124,464
48,318
87,020
94,964
51,186
25,590
11,210
442,752
CUSCO
48,430
14,079
10,249
3,595
1,245
2,041
325
79,964
-
-
-
-
-
-
-
-
1,633
416
-
270
-
-
-
2,319
ICA
66,744
29,308
18,517
34,263
39,839
32,228
4,719
225,619
JUNIN
25,558
9,287
4,319
2,960
491
1,324
619
44,557
182,005
46,899
47,463
47,385
48,418
48,317
14,375
434,861
HUANCAVELICA
36,629
2011
HUANUCO
LIMA
LORETO
MADRE DE DIOS
MOQUEGUA
92,765
23,233
52,051
66,179
60,850
60,135
18,241
373,454
2,833,455
616,392
676,684
835,391
648,546
470,219
111,578
6,192,265
3,093
-
45
-
107
753
218
4,217
-
-
-
-
-
-
-
-
1,495
-
70
-
-
-
113
1,678
PASCO
2
-
-
-
-
-
-
2
PASCO
109
-
-
-
-
-
-
109
PIURA
998
270
494
504
504
407
117
3,294
PIURA
61,376
12,138
30,452
37,392
42,749
37,133
9,274
230,515
PUNO
236
34
9
-
-
1
-
280
PUNO
5,685
673
184
-
-
145
-
6,687
SAN MARTIN
140
52
58
74
9
5
1
339
SAN MARTIN
5,576
5,173
5,181
4,187
720
289
97
21,222
TACNA
TACNA
88
-
3
-
10
34
17
152
6,311
-
319
0
1,233
3,552
1,438
12,853
TUMBES
4
-
-
1
-
-
-
5
TUMBES
157
-
-
51
-
-
-
208
UCAYALI
5
-
-
-
-
-
-
5
UCAYALI
287
-
-
-
-
-
-
Total
49,460
9,308
9,289
9,744
7,734
5,640
1,495
92,670
Total
3,600,444
855,115
982,972
1,185,767
931,170
719,451
184,361
287
8,459,280
Source: FMV
NOTE:
a/ From July 1999.
17
TABLE 1.2.10: DISBURSEMENTS OF MIVIVIENDA CREDITS ACCORDING TO MUNICIPAL SAVINGS, REGION AND YEARS
a/
b/
Region
1999-2010
AMAZONAS
1
-
-
-
-
-
1
ANCASH
8
-
-
5
9
-
22
APURIMAC
-
-
-
-
-
-
-
AREQUIPA
-
-
-
9
74
139
14
236
AYACUCHO
2
5
12
1
2
19
14
CAJAMARCA
4
-
9
17
12
3
CALLAO
23
1
-
10
46
36
CUSCO
-
-
-
-
-
HUANCAVELICA
-
-
-
-
-
HUANUCO
ICA
JUNIN
2011
2012
2013
2014
2015
TOTAL
2016
1
1
Region
2012
2013
2014
2015
55
-
-
-
-
-
-
55
435
-
-
280
808
-
-
1,523
APURIMAC
-
-
-
-
AREQUIPA
-
-
-
332
11,129
18,533
2,091
32,086
55
AYACUCHO
235
516
963
99
120
2,268
1,245
5,446
45
CAJAMARCA
356
-
720
914
713
305
47
-
349
1,984
2,542
AMAZONAS
ANCASH
-
-
-
-
-
1
HUANCAVELICA
-
-
-
-
-
81
-
81
1
2
4
5
210
222
310
53
1,369
39
HUANUCO
ICA
60
65
112
109
159
47
639
JUNIN
21
23
113
123
145
28
686
LA LIBERTAD
LAMBAYEQUE
15
2
1
72
69
91
4
254
LAMBAYEQUE
1,201
194
105
139
381
553
86
2,659
-
2
-
-
-
1
-
1
1
1
-
PIURA
147
1
3
84
67
223
LIMA
98
130
311
694
4,318
6,822
11,507
15,169
2,305
51,971
-
1,674
5,653
6,458
7,208
12,457
13,297
16,388
5,665
67,126
16,700
419
852
2,344
13,233
15,897
2,902
52,348
730
76
150
2,568
4,225
6,311
324
14,383
103,839
18,247
13,343
9,647
28,191
41,646
6,566
221,478
-
97
-
-
-
180
-
MADRE DE DIOS
-
-
-
-
-
-
-
-
10
MOQUEGUA
72
-
-
-
170
280
-
522
38
41
PASCO
-
143
90
70
51
576
PIURA
90
45
2,401
5
-
-
-
-
51
3
54
PUNO
6
9
4
9
5
1
34
SAN MARTIN
69
-
-
-
-
69
TACNA
TUMBES
-
-
1
17
17
18
54
TUMBES
UCAYALI
-
-
-
-
4
-
4
UCAYALI
353
428
801
1,199
2,138
1,306
LORETO
SAN MARTIN
Total
441
10,544
-
PUNO
TACNA
1,722
3
MADRE DE DIOS
PASCO
6,802
-
203
4
3,008
159
-
-
-
-
-
57
-
-
CUSCO
27
-
-
-
314
1
-
CALLAO
87
MOQUEGUA
-
TOTAL
2016
117
233
LORETO
b/
2011
LA LIBERTAD
LIMA
a/
1999-2010
1
1,712
337
6,968
Total
7,337
-
-
4,595
15,131
277
1,210
1,513
3,719
33,318
-
-
-
-
2,543
160
-
2,703
328
653
180
464
352
125
-
2,101
-
-
-
-
-
-
4,592
-
-
15
534
853
50
2,490
-
-
-
-
310
-
-
310
153,038
28,051
27,982
39,409
94,342
136,747
26,237
505,807
4,592
1,038
Source: FMV
NOTE:
a/ From July 1999.
TABLE 1.2.11: DISBURSEMENTS OF MIVIVIENDA CREDITS ACCORDING TO RURAL SAVINGS, REGION AND YEARS
(As of mach 31, 2016)
Region
a/
1999-2010
2011
2012
2013
2014
b/
2015
TOTAL
2016
Region
a/
1999-2010
2011
2012
2013
2014
b/
2015
TOTAL
2016
AMAZONAS
-
-
-
-
-
-
-
-
AMAZONAS
-
-
-
-
-
-
-
ANCASH
-
-
-
-
-
-
-
-
ANCASH
-
-
-
-
-
-
-
APURIMAC
-
1
26
21
9
8
-
65
APURIMAC
-
72
2,227
2,262
817
1,220
AREQUIPA
167
6
29
43
24
4
1
274
AREQUIPA
12,402
527
1,787
2,519
2,534
503
243
20,514
AYACUCHO
-
-
-
-
-
-
-
-
AYACUCHO
-
-
-
-
-
-
-
-
CAJAMARCA
-
-
-
-
-
-
-
-
CAJAMARCA
-
-
-
-
-
-
-
-
CALLAO
-
2
4
21
23
3
-
53
CALLAO
-
246
449
2,661
3,127
416
-
6,899
CUSCO
-
-
13
37
20
1
-
71
CUSCO
-
-
1,192
4,854
2,697
223
-
8,966
HUANCAVELICA
-
-
-
-
-
-
-
-
HUANCAVELICA
-
-
-
-
-
-
-
-
HUANUCO
-
-
-
-
-
-
-
-
HUANUCO
-
-
-
-
-
-
-
-
981
269
435
398
119
-
-
2,202
22,445
4,632
24,471
20,760
9,480
-
-
81,787
-
1
11
2
1
4
-
19
-
70
968
322
130
604
-
2,094
241
31
10
61
23
-
-
366
11,883
522
539
1,349
350
-
-
14,643
ICA
JUNIN
LA LIBERTAD
LAMBAYEQUE
ICA
JUNIN
LA LIBERTAD
3
-
2
3
1
-
-
9
68
94
140
398
136
21
1
858
LORETO
9
-
-
-
-
-
-
9
LORETO
MADRE DE DIOS
-
-
-
-
-
-
-
-
MADRE DE DIOS
MOQUEGUA
-
-
-
-
-
-
-
-
PASCO
-
-
-
-
-
-
-
PIURA
11
-
-
170
67
-
LIMA
PUNO
LAMBAYEQUE
134
-
324
574
151
-
-
1,183
5,187
16,887
43,103
16,197
2,575
232
86,493
356
-
-
-
-
-
-
356
-
-
-
-
-
-
-
-
MOQUEGUA
-
-
-
-
-
-
-
-
-
PASCO
-
-
-
-
-
-
-
-
-
248
PIURA
770
-
-
8,783
3,742
-
-
13,294
-
-
66
193
42
-
-
301
PUNO
1
230
191
28
-
-
527
SAN MARTIN
TACNA
-
-
-
-
-
-
-
-
TUMBES
-
-
-
-
-
-
-
UCAYALI
-
-
-
-
-
-
-
405
966
493
41
Total
1,557
1,538
6,597
2,312
LIMA
77
SAN MARTIN
-
2
-
-
2,355
8,058
1,784
-
-
12,197
4,769
72
3,469
4,122
1,252
-
-
13,684
TACNA
-
-
-
-
-
-
-
-
-
TUMBES
-
-
-
-
-
-
-
-
-
UCAYALI
-
-
-
-
-
-
-
5,002
Total
55,071
11,328
54,668
99,366
42,259
5,540
474
268,707
Source: FMV
NOTE:
a/ From July 1999.
18
TABLE 1.2.12: DISBURSEMENT OF MIVIVIENDA CREDITS ACCORDING TO OTHER CATEGORIES OF IFI, BY REGION AND YEARS
Region
a/
1999-2010
2011
2012
2013
2014
b/
2015
TOTAL
2016
AMAZONAS
-
-
-
-
-
-
-
-
ANCASH
1
-
-
-
-
-
-
1
APURIMAC
42
20
1
-
-
-
-
63
AREQUIPA
733
65
203
330
250
144
-
1,725
AYACUCHO
34
-
18
-
-
-
-
52
CAJAMARCA
49
7
-
-
-
-
-
56
CALLAO
24
5
1
17
25
28
1
101
CUSCO
-
-
1
7
22
12
-
42
HUANCAVELICA
-
-
-
-
-
-
-
-
14
-
4
28
5
6
2
59
ICA
568
122
10
-
39
199
74
1,012
JUNIN
241
32
-
-
-
13
7
293
LA LIBERTAD
262
133
9
1
-
-
-
405
LAMBAYEQUE
173
79
3
-
2
35
19
311
1,291
378
250
331
634
679
134
3,697
LORETO
1
-
-
-
-
1
-
2
MADRE DE DIOS
-
-
-
-
-
22
6
28
MOQUEGUA
-
-
49
53
76
23
-
201
PASCO
-
-
-
-
-
-
-
-
PIURA
69
92
73
104
187
129
12
666
HUANUCO
LIMA
PUNO
2
-
-
-
52
133
-
187
294
72
4
-
11
18
7
406
TACNA
-
-
-
1
22
13
-
36
TUMBES
-
-
-
-
-
-
-
-
UCAYALI
1
-
-
209
26
242
-
478
SAN MARTIN
Total
3,799
1,005
626
1,081
1,351
1,697
262
9,821
Region
AMAZONAS
a/
1999-2010
2011
2012
2013
2014
b/
2015
TOTAL
2016
-
-
-
-
-
-
-
-
36
-
-
-
-
-
-
36
APURIMAC
2,933
1,496
46
-
-
-
-
4,475
AREQUIPA
20,493
4,387
9,457
15,221
15,091
9,753
-
74,402
AYACUCHO
1,742
-
1,210
-
-
-
-
2,952
CAJAMARCA
3,202
478
-
-
-
-
-
3,680
CALLAO
1,744
558
107
2,097
1,967
2,417
101
8,991
CUSCO
-
-
49
475
2,474
1,455
-
4,453
HUANCAVELICA
-
-
-
-
-
-
-
-
284
-
303
3,922
728
732
287
6,256
ICA
10,840
3,027
349
-
2,292
11,629
3,633
31,769
JUNIN
10,407
1,316
-
-
-
958
610
13,290
LA LIBERTAD
5,486
2,289
211
12
-
-
-
7,998
LAMBAYEQUE
8,444
2,551
56
-
166
2,143
1,167
14,526
103,877
31,136
27,401
42,863
67,957
62,314
10,766
346,315
37
-
-
-
-
70
-
107
MADRE DE DIOS
-
-
-
-
-
998
292
1,290
MOQUEGUA
-
-
3,889
3,771
4,641
1,478
-
13,779
PASCO
-
-
-
-
-
-
-
-
PIURA
1,238
4,286
4,802
4,639
12,636
7,811
374
35,786
ANCASH
HUANUCO
LIMA
LORETO
PUNO
71
-
-
-
1,879
6,642
-
8,592
6,057
1,276
73
-
951
1,791
585
10,731
TACNA
-
-
-
60
1,856
353
-
2,269
TUMBES
-
-
-
-
-
-
-
-
UCAYALI
69
-
-
5,585
1,997
9,983
-
17,634
114,635
120,527
SAN MARTIN
Total
176,960
52,801
47,952
78,644
17,814
609,332
Source: FMV
NOTE:
a/ From July 1999.
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of
March 2016 (S/ 3.383).
19
TABLE 1.2.13: PLACEMENT OF MIVIVIENDA CREDITS, BY TYPE OF FINANCIAL INSTITUTION AND YEARS
Number of Credits by Type IFI
2015
Type of IFI
2014
Bank
CMAC a/
b/
CRAC
Remainder Entities
CAC c/
Edpyme
Finance Company
Mortgage
Otros
Total
2016
Var. (Units)
Mar 16 Mar15
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dic
Total
Jan
Feb
Mar
7,734
1,199
515
125
476
74
462
138
399
118
424
103
461
177
443
142
480
184
499
158
486
165
510
169
485
159
5,640
1,712
480
171
536
29
479
137
17
-1
493
1,351
646
553
117
35
10,777
2
130
48
25
57
772
3
95
68
26
1
648
1
105
75
30
706
7
85
55
30
609
5
80
62
18
612
5
174
123
8
43
817
4
223
66
121
36
812
13
183
67
62
54
860
1
173
55
64
54
831
171
74
56
41
822
175
64
51
60
854
103
18
43
42
747
41
1,697
775
534
388
9,090
2
84
9
13
62
737
89
7
33
49
654
5
84
38
46
705
4
-21
-75
8
49
-1
Credit Amount by Type of IFI (In thousands of S /)
2015
Type of IFI
Bank
CMAC a/
CRAC b/
Remainder Entities
c/
CAC
Edpyme
Finance Company
Mortgage
Otros
Total
2014
2016
Var. (Units)
Mar 16 Mar 15
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dic
Total
Jan
Feb
Mar
931,170
94,342
66,410
11,751
62,436
6,472
60,066
11,595
51,271
9,687
55,426
8,777
59,605
13,083
57,188
12,081
60,528
13,792
66,384
11,604
58,221
12,590
62,008
13,870
59,909
11,443
719,451
136,747
62,477
12,672
65,108
2,480
56,776
11,085
-3,290
-510
42,259
114,635
45,718
57,740
5,785
5,392
1,182,406
257
9,646
3,383
2,856
3,407
88,064
449
7,964
4,835
3,038
92
77,322
182
11,010
7,150
3,860
82,852
1,021
8,015
4,387
3,629
69,994
820
6,573
4,814
1,759
71,597
584
9,071
5,778
865
2,428
82,343
502
16,666
4,536
10,070
2,060
86,437
1,605
13,100
5,412
4,666
3,022
89,026
121
11,785
4,264
4,490
3,031
89,894
9,875
3,595
3,961
2,319
80,686
10,177
3,118
3,985
3,073
86,054
6,644
896
3,049
2,700
77,997
5,540
120,527
52,168
46,227
22,132
982,266
474
5,550
1,292
1,209
3,049
81,172
6,422
964
2,896
2,562
74,010
457
5,385
2,709
2,676
73,703
275
-5,625
-7,150
-1,151
2,676
-9,149
Source: FMV
NOTE:
a/ Municipal Saving and Loan Institutions
b/ Rural Saving and Loan Institutions
c/ Credits Union
20
CHAPTER II
21
BONO FAMILIAR HABITACIONAL
- GLOSSARY 1. Bono Familiar Habitacional (BFH)
BFH is a one-time subsidy granted by the Government to families registered in the Techo Propio program and fullfill its
requariments as a direct financial support, free of charge for reimbursement, in order to facilitate their access to a house in
the Techo Propio Program.
2. Authorized Centers
Are establishments located in local government offices with personnel trained to provide information about BFH and
Mivivienda products. Authorized Centers are the result of the cooperation between local government and FMV.
3. Signed Agreements
With the purpose of promoting the creation of social interest housing, as well as the access to a decent housing for
population with lower resources, FMV signed Cooperation Agreements with several local governments. One of its
objectives is to identify areas that can be assigned for real estate project development.
4. Technical Entities
Technical entities are natural or legal entities in charge of promoting, developing, constructing and/or supervising Techo
Propio Program construction projects.
22
BONO FAMILIAR HABITACIONAL: SITUATION AT MARCH 2016
- EXECUTIVE SUMMARY Products and Modalities
In March 2016, 4,569 bonuses of BFH were granted, increasing by 12% (485) compared to the result of March 2015 and
15% (587) compared to the previous month. In monetary terms, S/ 83.4 million were disbursed, increasing by S/ 9.2 millions
compared with the amount disbursed in March 2015 and S/ 10.8 million compared to the previous month. By modalities:
Construction on Owned Land, main bonus mechanism with approximately 94% of participation, granted 4,290 bonuses
(equivalent to S/ 80.7 million), increasing by 22% compared to March 2015; Housing Improvement granted 252 bonuses
(equivalent to S/ 2.2 million), increasing by 185 compared to the result observed in March 2015; and New Housing
Acquisition granted 27 bonuses (equivalent to S/ 0.5 million), with a decline of 460 compared to March 2015.
Regions
By regions, 66% of BFH's were granted within five regions: Piura 19% (856), Ica 18% (839), La Libertad 11% (511), San Martín
9% (419) and Lima 9% (412).
Authorized Centers and Signed Agreements
At the end of March 2016, the total of authorized centers at a national level was 995, increasing by 8 compared with
February. New authorized centers were mainly opened in Arequipa, with three new centers. At the end of the first quarter
of this year, regions with the largest amount of authorized centers were: Ayacucho (99), Junín (94), San Martín (74),
Arequipa (73) and Cusco (72).
Meanwhile, signed agreements within the country reached 1,075, increasing by 8 compared with February. Regions with
new signed agreements are mainly Lima and Piura, with two signed agreements each. At the end of the first quarter,
regions with the largest amount of signed agreements were: Junín (109), Ayacucho (103), Arequipa (93) and Cusco (85).
Technical Entities
At the end of March 2016, the number of current Technical Entities reached 565 entities, increasing by 11 compared to the
previous month. Regions with new Technical Entities are mainly: La Libertad and Lima, with 6 and 4, respectively.
Approximately 70% of Technical Entities are located within three regions: La Libertad with 34% (190), Lima 24% (136) and
Ica 11% (63).
23
Overall Figures
24
CHART 2.1.1: NUMBER AND AMOUNT OF BFH
(Number of bonus disbursed and millions of Soles)
7,797
6,971
6,572
5,127
5,003
4,616
4,859
4,248
3,808
3,360
1,994
90.5
74.0
58.7
3,367
124.7
2,929
90.3
83.4
Apr
3,312 3,323
60.2
68.8
80.7
74.2
60.7
61.1
76.2
3,982
145.8
2,865 119.4
88.4
51.2
Mar
4,569
4,085 3,952
2,904
1,420
35.1
4,336
4,084
2,536
72.7
52.5
72.6
52.3
83.4
46.4
25.0
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
2015
Feb
Mar
Number
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
2016
Feb
Mar
Amount (millions of S/)
Source: FMV
CHART 2.1.2: NUMBER OF BFH BY MODALITY
(Number of bonus disbursed)
225
270
295
855
310
4,569
4,084
419
3,360
143
248
53
37
34
195
734
4,860
4,708
4,195
24
296
15
328
100
319
178
175
32
62
102
176
3,296 3,623 3,530 2,992
2,904 2,626
51
4,115
124
94
7,302
5,967
252
27
70
9
3,764
3,742 3,599
2,771
4,290
2,457
1,369
1,260
Apr
487
4,368 4,508
2,368
Mar
9
176
17
204
67
6,116
561
3,165
351
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
2015
Construction on Owned Land
Feb
Mar
Apr
May
Jun
New Housing Acquisition
Source: FMV
Jul
Aug
Sep
Oct
Nov
Dec
Jan
2016
Feb
Mar
Housing Improvement
25
CHART 2.1.3: NUMBER AND AMOUNT OF BFH BY MODALITY
Number de BFH
2015
Mechanisms
Var. (Units)
2016
2014
Jan
Feb
Mar
April
May
Jun
Jul
Aug
Sep
Oct
Nov
Dic
Total
Jan
Feb
Mar
Mar16Mar15
Construction on Owned Land
40,904
3,296
3,623
3,530
2,992
2,904
2,626
4,115
3,742
3,599
2,771
5,967
7,302
46,467
2,457
3,764
4,290
760
4,260
34
176
487
296
319
176
204
328
175
62
310
270
2,837
9
94
27
-460
Housing Improvement
Total
0
37
9
67
24
100
102
17
15
178
32
295
225
1,101
70
124
252
185
45,164
3,367
3,808
4,084
3,312
3,323
2,904
4,336
4,085
3,952
2,865
6,572
7,797
50,405
2,536
3,982
4,569
485
Amount de BFH disbursed (miles de S/)
2015
Mechanisms
2014
Var. (Units)
2016
Jan
Feb
Mar
April
May
Jun
Jul
Aug
Sep
Oct
Nov
Dic
Total
Jan
Feb
Mar
Mar16Mar15
Construcción en Sitio Propio
725,129
59,244
65,468
64,549
54,910
54,204
48,372
76,648
69,843
67,830
50,883
110,846
138,643
861,441
45,665
69,746
80,698
16,149
77,666
637
3,296
9,082
5,590
5,994
3,259
3,857
6,222
3,330
1,176
5,928
5,155
53,526
165
1,803
515
-8,567
0
323
79
586
210
874
895
150
132
1,571
283
2,609
1,991
9,705
620
1,097
2,231
1,645
802,795
60,205
68,843
74,216
60,711
61,073
52,526
80,655
76,197
72,732
52,342
119,384
145,789
924,672
46,449
72,645
83,443
9,227
Housing Improvement
Total
Source: FMV
CHART 2.1.4: NUMBER AND AMOUNT OF BFH BY REGION1/
BFH by Region - March 2016
Number of BFH by Region - March 2016
856 839
511
419 412
218
178 175
141 134
83
81
78
75
74
66
54
53
46
38
13
11
7
5
2
Source: FMV
Source: FMV
NOTE:
1/ Intense colors indicate larger disbursements of BFH.
26
2.1 Disbursements, Modalities and Regions
27
TABLE 2.1.1: DISBURSEMENTS OF BFH AS OF MARCH 31, 2016
Bonus disbursed
Year
Number
TOTAL
225,900
2003 a/
Accumulated
Amount
( Thousands of S/)
Amount
(Thousands of S/)
Number
3,867,567
688
8,614
688
8,614
2004
1,912
23,311
2,600
31,925
2005
1,852
21,998
4,452
53,923
2006
2,025
23,678
6,477
77,601
2007
2,394
27,886
8,871
105,487
2008
9,288
134,420
18,159
239,907
2009
28,442
455,045
46,601
694,952
2010
18,735
313,571
65,336
1,008,523
2011
12,494
211,944
77,830
1,220,467
2012
17,500
298,985
95,330
1,519,452
2013
23,914
418,110
119,244
1,937,562
2014
45,164
802,795
164,408
2,740,357
2015
50,405
924,672
214,813
3,665,029
2016 b/
11,087
202,538
225,900
3,867,567
Source: FMV
NOTE:
a/ From July 1999.
b/ Accumulated January-March.
TABLE 2.1.2: NUMBER OF DISBURSEMENTS OF BFH PER YEARS AND BY MODALITY c/AS OF MARCH 31, 2016
Year
New Housing
Acquisition
Construction on
Owned Land
Housing
Improvement
Total
Number of bonus dibursed
TOTAL
41,063
179,277
5,560
688
-
-
688
2004
1,912
-
-
1,912
2005
1,839
13
-
1,852
2006
1,991
26
8
2,025
2007
1,887
398
109
2,394
2008
2,396
6,120
772
9,288
2009
3,867
22,843
1,732
28,442
2010
5,353
12,835
547
18,735
2011
5,991
6,071
432
12,494
2012
4,498
12,597
405
17,500
2013
3,414
20,492
8
23,914
2014
4,260
40,904
-
45,164
2015
2,837
46,467
1,101
50,405
130
10,511
446
11,087
2003 a/
2016 b/
225,900
Source: FMV
CHART 2.1.1: NUMBER OF BFH, PER YEARS
50,405
45,164
28,442
23,914
18,735
12,494
9,288
688
17,500
11,087
1,912 1,852 2,025 2,394
2003 a/ 2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015 2016b/
Source: FMV
NOTE:
a/ From August 2003.
c/ BFH include 3 modalities: New Housing Acquisition, in force since August 2003; Construction on Owned Land,
in force since July 2005 (include rural area construction); and Housing Improvement, in force since May 2006.
28
TABLE 2.1.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR AND BY MODALITY AS OF MARCH 31, 2016
Year
New Housing
Acquisition
TOTAL
676,877
8,614
2004
Construction on
Owned Land
Housing
Improvement
Total
3,150,368
40,322
3,867,567
-
-
8,614
23,311
-
-
23,311
2005
21,879
119
-
21,998
2006
23,409
238
31
23,678
2007
23,243
4,140
503
27,886
2008
31,287
98,050
5,084
134,420
2009
67,164
376,276
11,604
455,045
2010
94,960
214,931
3,680
313,571
2011
107,016
101,987
2,940
211,944
2012
79,711
216,504
2,771
298,985
2013
62,609
355,446
55
418,110
2014
77,666
725,129
-
802,795
2015
53,526
861,441
9,705
924,672
2016 b/
2,482
196,108
3,948
202,538
Thousands of S/
2003
a/
Source: FMV
NOTE:
CHART 2.1.2: AMOUNT DISBURSED OF BFH PER YEAR
(Thousands of S/ as of March 31, 2016)
924,672
802,795
455,045
418,110
313,571
298,985
211,944
202,538
134,420
23,311 21,998 23,678 27,886
8,614
2003 a/
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Source: FMV
NOTE:
CHART 2.1.3: AMOUNT DISBURSED OF BFH BY MODALITY
(Thousands of S/ as of , March 31, 2016)
1000
9.7
900
53.5
800
77.7
700
600
500
11.6
400
67.2
300
200
8.6
23.3
21.9
0.1
2003 a/
2004
2005
100
0
0.1
3.7
0.03
0.5
23.4
0.2
23.2
4.1
2006
2007
Construcción
Propio
Constructionen
onSitio
Owned
Land
5.1
31.3
95.0
376.3
214.9
98.0
2008
2009
2010
Adquisición
de Acquisition
Vivienda Nueva
New Housing
2.8
2.9
107.0
102.0
2011
62.6
861.4
725.1
79.7
3.9
355.4
2.5
216.5
2012
196.1
2013
2014
2015
2016 b/
Mejoramiento
de Vivienda
Housing Improvement
Source: FMV
NOTE:
29
TABLE 2.1.4: NUMBER OF BFH DISBURSEMENTS BY REGIONS AND YEARS AS OF MARCH 31, 2016
2003 a/
Region
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
17,500
23,914
45,164
50,405
11,087
Total
Number of bonus disbursed
TOTAL
688
1,912
1,852
2,025
2,394
9,288
28,442
-
-
22
162
53
10
90
-
151
1,117
218
1,823
15
36
55
433
164
790
515
682
2,145
2,452
332
7,846
-
-
17
120
44
2
25
62
231
319
78
898
199
69
65
123
891
389
92
472
190
471
706
231
4,035
-
101
14
3
8
145
24
4
174
240
972
1,207
185
3,077
-
-
-
-
14
113
61
1
52
230
244
531
228
1,474
-
619
441
216
266
829
1,063
666
370
193
337
920
1,165
477
7,562
CUSCO
-
-
15
70
13
68
157
98
86
-
13
96
384
89
1,089
HUANCAVELICA
-
-
-
-
3
58
105
84
34
24
-
361
1,212
348
2,229
HUANUCO
-
-
-
-
39
47
2
1
49
99
101
419
492
175
1,424
ICA
-
182
24
184
769
2,933
7,723
8,467
5,983
9,070
6,925
10,678
7,839
1,712
62,489
JUNIN
-
-
9
-
-
1
106
100
62
259
1,027
1,313
1,314
253
4,444
LA LIBERTAD
-
-
123
152
383
1,727
5,883
2,828
1,920
1,884
5,015
8,070
9,817
1,519
39,321
LAMBAYEQUE
52
129
51
415
42
158
1,016
515
390
348
1,384
2,012
2,908
651
10,071
LIMA
364
799
686
645
345
1,938
4,858
1,972
1,100
2,006
2,913
4,756
3,640
1,066
27,088
LORETO
-
-
34
38
41
19
348
229
8
280
107
309
506
117
2,036
MADRE DE DIOS
-
-
-
-
97
103
33
1
-
-
-
3
22
7
266
MOQUEGUA
-
-
-
-
20
62
87
27
13
25
107
275
109
16
741
PASCO
-
-
-
-
-
-
-
-
-
51
24
60
138
13
PIURA
-
-
3
42
42
199
2,115
1,268
648
1,200
3,603
6,512
7,673
1,697
PUNO
153
54
8
4
61
58
137
143
410
143
40
85
801
24
2,121
SAN MARTIN
-
-
-
-
38
833
2,864
1,578
522
286
754
3,993
5,012
1,297
17,177
TACNA
-
-
42
161
131
10
33
21
-
30
1
91
337
221
1,078
TUMBES
-
-
-
-
-
-
30
1
-
131
5
466
270
18
921
UCAYALI
-
-
-
-
-
6
18
1
-
143
154
531
434
115
1,402
-
-
-
45
66
116
APURIMAC
-
-
-
AREQUIPA
74
63
AYACUCHO
-
CAJAMARCA
-
CALLAO
AMAZONAS
ANCASH
18,735
12,494
225,900
286
25,002
Source: FMV
NOTE:
CHART 2.1.4: NUMBER OF BHF DISBURSEMENTS BY REGION
ICA
LA LIBERTAD
LIMA
PIURA
SAN MARTIN
LAMBA YEQUE
ANCASH
CALLAO
JUNIN
AREQUIPA
AYACUCHO
HUANCA VELICA
PUNO
LORETO
AMAZONAS
CAJAMARCA
HUANUCO
UCAYALI
CUSCO
TACNA
TUMBES
APURIMAC
MOQUEGUA
PAS CO
MADRE DE DIO S
62,489
39,321
28,044
25,002
17,177
10,071
7,846
7,605
4,444
4,035
3,077
2,229
2,121
2,036
1,823
1,474
1,424
1,402
1,089
1,078
921
898
741
286
266
Source: FMV
30
TABLE 2.1.5: AMOUNT OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF MARCH 31, 2016
Region
2003
a/
2004
2005
2006
2007
2008
2010
2011
2012
2013
2014
2015
2016 b/
Total
313,571
211,944
298,985
418,110
802,795
924,672
202,538
3,867,567
2009
Thousands of S/
TOTAL
AMAZONAS
ANCASH
8,614
23,311
21,998
-
-
-
564
826
1,417
23,678
27,886
134,420
455,045
-
-
328
2,650
888
168
1,527
-
2,653
20,152
3,945
32,310
176
409
884
7,213
2,806
13,550
8,642
11,882
37,603
42,065
5,846
133,883
APURIMAC
-
-
-
-
-
274
1,973
734
27
424
1,071
4,700
7,894
1,937
19,034
AREQUIPA
927
762
2,354
813
791
1,492
15,258
6,846
1,647
6,965
3,255
8,313
12,663
4,179
66,265
AYACUCHO
-
-
1,182
165
34
134
2,429
401
67
2,890
4,140
18,500
28,418
4,141
62,502
CAJAMARCA
-
-
-
-
-
235
1,893
1,022
17
903
3,982
4,285
9,568
4,125
26,029
CALLAO
-
7,327
5,248
2,522
3,017
13,132
17,233
10,996
6,315
3,149
5,796
16,220
20,735
8,610
120,300
CUSCO
-
-
176
823
146
1,012
2,283
1,684
1,542
-
241
2,106
9,258
2,076
21,347
HUANCAVELICA
-
-
-
-
28
911
1,698
1,407
568
411
-
8,827
32,415
9,496
55,763
HUANUCO
-
-
-
-
523
630
27
18
882
1,666
1,772
7,424
8,862
3,203
25,006
ICA
-
2,251
282
2,191
10,028
43,423
123,646
141,973
102,009
157,438
122,510
188,630
139,313
30,108
1,063,801
JUNIN
-
-
106
-
-
7
1,776
1,716
1,092
4,409
17,641
24,206
27,966
5,272
84,190
LA LIBERTAD
-
-
1,462
1,776
4,565
26,347
98,416
48,694
33,598
34,234
88,436
143,935
177,467
27,502
686,433
LAMBAYEQUE
649
1,611
599
4,874
491
2,285
16,624
8,615
6,850
5,975
23,798
35,353
51,880
11,576
171,181
4,557
9,867
8,159
7,509
3,025
24,333
69,415
31,368
16,040
30,911
50,023
83,343
60,654
17,394
416,598
LORETO
-
-
399
444
467
285
5,517
3,809
134
4,768
2,218
5,599
9,082
2,117
34,838
MADRE DE DIOS
-
-
-
-
1,161
1,357
538
13
-
-
-
54
398
127
3,648
MOQUEGUA
-
-
-
-
182
921
1,444
442
218
423
1,861
4,855
1,945
290
12,580
PASCO
-
-
-
-
-
-
-
-
-
863
417
1,059
2,480
235
5,054
PIURA
-
-
28
447
453
3,241
35,373
21,402
11,272
20,453
62,196
114,377
137,674
30,076
436,991
PUNO
1,917
666
94
48
748
777
2,400
2,573
7,380
2,577
723
1,510
14,820
448
36,680
SAN MARTIN
-
-
-
-
356
12,211
45,883
25,780
8,570
5,211
13,398
69,961
90,085
23,429
294,886
TACNA
-
-
492
1,891
1,461
101
553
352
-
504
17
1,625
6,068
3,999
17,063
TUMBES
-
-
-
-
-
-
503
17
-
2,218
87
8,146
4,834
326
16,130
UCAYALI
-
-
-
-
-
101
302
17
-
2,422
2,647
9,509
7,975
2,081
25,053
LIMA
Source: FMV
NOTE:
CHART 2.1.5: AMOUNT DISBURSED OF BFH BY REGION
(Thousands of S/ as of March 31,2016)
ICA
LA LIBERTAD
PIURA
LIMA
SAN MARTIN
LAMBAYEQUE
ANCA SH
CALLAO
JUNIN
AREQUIPA
AYACUCHO
HUANCAVELICA
PUNO
LORETO
AMAZONAS
CAJAMARCA
UCAYALI
HUANUCO
CUSCO
APURIMAC
TACNA
TUMBES
MOQUEGUA
PAS CO
MADRE DE DIO S
1,063,801
686,433
436,991
429,144
294,886
171,181
133,883
120,885
84,190
66,265
62,502
55,763
36,680
34,838
32,310
26,029
25,053
25,006
21,347
19,034
17,063
16,130
12,580
5,054
3,648
Source: FMV
31
TABLE 2.1.6: NUMBER OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF MARCH 31, 2016
Construction on Owned
Land
Region
TOTAL
41,063
179,277
5,560
225,900
-
1,821
2
1,823
1,944
5,643
259
7,846
APURIMAC
-
898
-
898
AREQUIPA
2,087
1,946
2
4,035
AYACUCHO
118
2,953
6
3,077
CAJAMARCA
56
1,418
-
1,474
CALLAO
1,948
5,413
201
7,562
CUSCO
344
704
41
1,089
-
2,228
1
2,229
168
1,255
1
1,424
9,907
51,788
794
62,489
Housing Improvement
Total
Number of bonus disbursed
AMAZONAS
ANCASH
HUANCAVELICA
HUANUCO
ICA
JUNIN
220
4,212
12
4,444
LA LIBERTAD
11,254
27,999
68
39,321
LAMBAYEQUE
1,354
8,608
109
10,071
LIMA
5,784
17,743
3,561
27,088
LORETO
115
1,912
9
2,036
MADRE DE DIOS
186
80
-
266
MOQUEGUA
-
739
2
741
PASCO
-
286
-
286
PIURA
1,692
23,165
145
25,002
PUNO
1,910
211
-
2,121
SAN MARTIN
1,234
15,597
346
17,177
1,078
TACNA
344
733
1
TUMBES
-
921
-
921
UCAYALI
398
1,004
-
1,402
Source: FMV
TABLE 2.1.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF MARCH 31, 2016
Region
Construction on Owned
Land
Housing Improvement
Total
3,867,567
Thousands of S/
TOTAL
676,877
3,150,368
40,322
-
32,297
13
32,310
32,461
99,168
2,255
133,883
APURIMAC
-
19,034
-
19,034
AREQUIPA
32,849
33,403
13
66,265
AYACUCHO
1,382
61,079
41
62,502
CAJAMARCA
1,009
25,020
-
26,029
CALLAO
25,719
93,190
1,391
120,300
CUSCO
5,573
15,499
275
21,347
-
55,757
7
55,763
2,627
22,372
7
25,006
166,681
891,011
6,109
1,063,801
AMAZONAS
ANCASH
HUANCAVELICA
HUANUCO
ICA
JUNIN
3,907
80,200
83
84,190
LA LIBERTAD
199,190
486,815
429
686,433
LAMBAYEQUE
19,550
150,745
885
171,181
LIMA
86,743
304,654
25,202
416,598
LORETO
1,329
33,449
60
34,838
MADRE DE DIOS
2,299
1,350
-
3,648
-
12,562
18
12,580
MOQUEGUA
PASCO
-
5,054
-
5,054
PIURA
29,466
406,321
1,205
436,991
PUNO
32,929
3,751
-
36,680
SAN MARTIN
21,759
270,804
2,322
294,886
TACNA
3,945
13,111
7
17,063
TUMBES
-
16,130
-
16,130
UCAYALI
7,459
17,594
-
25,053
Source: FMV
32
2.2 Authorized Centers, Signed Agreements and Technical Entities
33
CHART 2.2.1: SIGNED AGREEMENTS & AUTHORIZED CENTERS
(Updated as of March 31, 2016)
99
AYACUCHO
103
94
JUNIN
74
73
73
SAN MARTIN
AREQUIPA
93
72
CUSCO
66
HUANCAVELICA
46
HUANUCO
LA LIBERTAD
85
74
47
PUNO
109
76
51
43
29
ICA
39
38
CAJAMARCA
42
48
37
38
LAMBAYEQUE
PIURA
32
30
31
29
30
APURIMAC
AMAZONAS
TACNA
SIGNED AGREEMENTS
Total of Authorized Centers: 995
Total of Signed Agreements: 1,075
25
22
24
LIMA
AUTHORIZED CENTERS
35
33
23
MOQUEGUA
ANCASH
21
22
13
21
PASCO
26
18
19
LORETO
TUMBES
MADRE DE DIOS
12
11
6
9
UCAYALI
15
12
2
CALLAO
Source: FMV
CHART 2.2.2: NUMBER OF CURRENT TECHNICAL ENTITIES BY REGION
(Updated as of March 31, 2016)
Technical Entities per Region
Number of Current Technical Entities per Region
LA LIBERTAD
190
LIMA
136
ICA
63
SAN MARTIN
43
PIURA
40
LAMBAYEQUE
26
JUNIN
14
ANCASH
13
CAJAMARCA
CALLAO
9
4
AMAZONAS
4
CUSCO
3
HUANUCO
3
LORETO
4
MOQUEGUA
3
APURIMAC
2
AREQUIPA
2
UCAYALI
2
HUANCAVELICA
1
MADRE DE DIOS
1
PASCO
1
TACNA
1
Total Number:
565
Source: FMV – Social and Building Project Management
Source: FMV
34
CHAPTER III
35
-EXECUTIVE SUMMARYBono de Protección de Viviendas Vulnerables a los Riesgos Sísmicos (Housing Protection against Seismic Risk Bonus)
In March 2016, 147 bonuses were granted, increasing by 15 compared to the bonuses granted in January as well as in February.
The districts benefited by these bonuses are: San Juan de Lurigancho (63), Villa María del Triunfo (34), Ventanilla (23), Puente
Piedra (14) and Carabayllo (13). It is essential to point out that Villa María del Triunfo and Puente Piedra benefited from these
bonuses for the first time.
In the accumulated period from January 2015 to March 2016, 999 bonuses were granted, this is equivalent to a disbursement of S/
13.1 million. By districts, the principal beneficiaries of the bonuses granted were Comas and San Juan de Lurigancho, with 359 and
350, respectively.
CHART 3.1: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF MARCH 31, 2016
CARABAYLLO
Month/Year
Number
TOTAL
COMAS
Amount
162
2/
2,085
Jan15
-
Feb15
Number
-
22
Amount
-
-
154
1,848
19
228
3
36
-
-
-
-
-
-
-
-
44
528
1
12
1
-
38
11
561
132
Mar 16
13
192
210
350
4,638
43
585
34
510
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
20
240
-
624
16
192
-
-
-
99
32
14
168
12
-
14
0
168
-
0
-
-
-
-
-
-
-
-
82
984
10
120
-
-
-
-
-
-
-
-
26
312
10
120
-
-
-
-
-
-
-
-
23
276
-
Jan 16
Feb 16
14
-
52
156
180
13,131
-
360
15
Amount2/
999
-
-
Dic 15
Amount
Number
-
240
-
Total
2/
-
-
Nov 15
Number
-
-
13
Amount
2/
-
May15
Oct 15
Number
168
-
-
Amount
2/
14
-
30
Number
1,680
-
Sep15
Amount
2/
140
Apr15
Aug15
Number
444
-
-
Amount
2/
37
-
20
Number
VILLA MARÍA DEL
TRIUNFO
VENTANILLA
4,659
Mar15
Jul15
2/
SAN JUAN DE
LURIGANCHO
PUENTE PIEDRA
359
264
Jun15
INDEPENDENCIA
-
-
-
-
16
192
-
-
-
-
16
192
1 443
-
-
-
-
94
1,128
-
-
-
-
208
2,751
-
-
-
-
74
89
1,092
1,302
20
240
480
-
-
132
132
1,893
1,914
-
-
14
210
63
756
23
345
34
510
147
2,013
1/ According to the program meetings, the BPVV is only applied in the districts of Comas, Carabayllo, El Agustino, Independencia, Puente Piedra, San Juan de Lurigancho, Ventanilla.
San Juan de Miarflores, Villa María del Triunfo, Pachacamac y Ancón.
2/ Expressed in thousands of S/
Source: FMV
CHART 2.2.3: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF MARCH 31, 2016
Number of BPVV: January 2015-March 2016
2,751
1,848
1,893
1,914
132
132
2,013
208
147
154
984
528
44
Jan
2015
Feb
168
240
12
0
1
0
14
0
Mar
Apr
May
Jun
Number
82
PUENTE
PIEDRA
COMAS
VENTANILLA
Jul
Ago
SAN JUAN DE
LIRIGANCHO
INDEPENDENCIA
312
276
192
26
23
16
Sep
Oct
Nov
0
20
CARABAYLLO
VILLA MARÍA DEL
TRIUNFO
Dec
Jan
2016
Feb
Mar
Amount in thousands of S/
Source: FMV
Source: FMV
36

Fondo Mivivienda S.A. Principal Supporter of Housing in Peru

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