Peru Credito MIVIVIENDA & Techo Propio Calculator
Simulate home mortgage financing in Peru under Fondo MIVIVIENDA and commercial banks (BCP, BBVA, Interbank, Scotiabank). Automatically applies the Bono del Buen Pagador (BBP) state grant and checks monthly debt capacity.
Financing & Subsidy Evaluation
S/ 19,600.00
Free government grant
S/ 178,400.00
Home - Down - BBP
S/ 1,548.20 / mo
Cuota mensual fija
28.1%
Approved (< 40% DTI)
| Financing Metric | Statutory Criteria / Program | Value (PEN S/) |
|---|---|---|
| Total Purchase Value of Home | Agreed property sale price | S/ 220,000.00 |
| Down Payment (Cuota Inicial) | 10.0% initial equity | -S/ 22,000.00 |
| Bono del Buen Pagador (BBP Subsidio Estatal) | MIVIVIENDA Sostenible (Verde) non-repayable grant | -S/ 19,600.00 |
| Net Financed Principal (Monto a Financiar) | Property - Initial - BBP Subsidy | S/ 178,400.00 |
| Total Interest over Loan Lifetime | 20 Years @ 8.5% annual rate | S/ 193,168.00 |
| Total Out-of-Pocket Loan Cost | Principal + Total Lifetime Interest | S/ 371,568.00 |
| Maximum Permissible Debt Service (40% Limit) | 40% × S/ 5,500.00 Net Income = S/ 2,200.00 / month | Installment within borrowing capacity |
How Fondo MIVIVIENDA Subsidies Work in Peru
The Fondo MIVIVIENDA administers statutory government housing grants:
Bono del Buen Pagador (BBP)
A non-repayable grant awarded to first-time homebuyers purchasing residences priced between S/ 65,200 and S/ 343,900 PEN. The grant ranges from S/ 7,300 up to S/ 31,100 PEN (the lower the home price, the higher the grant). Properties certified as Mivivienda Verde receive an additional bonus increment.
Techo Propio (BFH)
Aimed at lower-income families earning under S/ 3,715 PEN per month. Offers the Bono Familiar Habitacional (BFH) with grants exceeding S/ 44,000 PEN for purchasing social housing (AVN - Adquisicion de Vivienda Nueva) without repayment obligations.
Engr. Muhammad Shahzad
Principal Financial Systems Architect & Statutory Compliance Specialist
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.