fondo MIVIVIENDA Main promoter of access to housing in Peru STATISTICAL BULLETIN

Transcription

1 fondo MIVIVIENDA Main promoter of access to housing in Peru STATISTICAL BULLETIN June 2017

2 INDEX 1 CHAPTER I BOLETÍN ESTADÍSTICO Mivivienda Credit 1.1 Mivivienda credit and mortgage credit of the financial system 1.2 Mivivienda credit by product, financial institution and region 2 CHAPTER II Bono Familiar Habitacional 2.1 Monthly disbursement of Bono Familiar Habitacional by modality and region 2.2 Historical disbursement of Bono Familiar Habitacional by modality and region 2.3 Authorized Centers, Signed Agreements and Technical Entities 3 CHAPTER III Bono de Protección de Viviendas Vulnerables a los Riesgos Sísmicos (Housing Protection against Seismic Risk Bonus) 3.1 Disbursement of Bono de Protección de Viviendas Vulnerables a los riesgos sísmicos by districts

3 Chapter I MIVIVIENDA CREDIT 1.1 Mivivienda credit and mortgage credit of the financial system 1.2 Mivivienda credit by product, financial institution and region

4 PRODUCTOS MIVIVIENDA 11. 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. Créditos Mivivienda 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/ 56,700) to 100 ATU (S/ 405,000). 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. 44. 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 subborrowers. 4

5 MIVIVIENDA PRODUCTS: SITUATION AT MARCH EXECUTIVE SUMMARY - Overall Figures In June 2017, 450 loans were placed, decreasing by 146 compared to May 2017 and by 272 compared to June In monetary terms, the amount disbursed was S/ 58.6 million, decreasing by S/ 21 million compared to the previous month and by S/ 18.6 million compared to June From January to June 2017, 3,298 loans were placed, decresing by 25.2% compared to the same period of In monetary terms, the amount disbursed was S/ 414 million, 13.2% less than the same period of In May 2017, the loans of Mivivienda Credit were 596 and its participation in the mortgage credits of the Financial System (calculated as the number of Mivivienda Credit s over the mortgage loans in the financial system) was 19.1%, decreasing by 6.4% compared to April 2017 and by 9.9% compared to May As of June 30 th 2017, the book value of the Mivivienda credit portfolio amounted to S/ 6,254 million, increasing by S/ 8 million compared to the end of May 2017 and by S/ 170 million compared to June By the end of June 2017, there were 90,694 mortgage debtors of Mivivenda credit, increasing by 691 compared to June 2016 and by 78 compared to May It is important to emphasize that, on May 2017, mortgage debtors of Mivivienda credit represented 38.5% of the total mortgage debtors of the financial system. On the other hand, as of May 31 th, 2017, the non-performing loan rate (that measures Mivivienda credit quality portfolio of mortgage loans placed by the financial institutions to sub-borrowers) was 3.84%, increasing by 30 basis points compared with the end of the previous month; this indicator measured without considering the portfolio of the CRAC Señor de Luren, an entity that was dissolved in June 2015, was 3.31%, increasing by 27 basis points compared to April Products In June 2017, the placements of Mivivienda credit by products were: Nuevo Crédito Mivivienda (main loan product of Fondo Mivivienda) 438 credits; Financiamiento Complementario Techo Propio 5; MiConstrucción 3, MiTerreno 3 and MiCasa Más 1, New Credit Mivivienda disbursed S/ 58.2 million, Financiamiento Complementario Techo Propio S/ 115 thousand, MiConstrucción S/ 141 thousand, and MiTerreno S/ 118 thousand. Financial Intermediaries By type of financial institution, out of 450 Mivivienda credit loans placed in June 2017, banks channeled 327 loans (73% of the total), mainly through BCP (163), Banco Financiero (41) and Interbank (47); Municipal Saving and Loan Institutions placed 45 (10% of the total), headed by Caja Huancayo with 25; Edpyme MiCasita placed 42 loans (9% of the total); and Financiera TFC placed 36 (8% of the total). Regions By geographic area, in June 2017, the placements in Metropolitan Lima (provinces of Lima and Callao) were 277 (equivalent to 62% of the total), decreasing by 111 credits compared to May Meanwhile, the placements in provinces (All Peru without considering Metropolitan Lima) were 173, increasing by 35 credits compared to May

6 1.1 Mivivienda credit and mortgage credit of the financial system 1.1 Mivivienda credit and mortgage credit of the financial system 6

7 1,20,000 1,00,000 80,000 60,000 40,000 20,000 0 Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun 2/ CHART 1.1.1: PLACEMENTS OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET (Number of credits disbursed) Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan / FMV Financial System Total FMV Participation Rate (%) Feb Mar Apr May Jun 2/ Source: SBS y FMV Includes all credit modalities sponsored by FMV. 1/ Updated data for the number of credits disbursed by CMAC as of April 6, / 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 (In thousands of S/) FMV Financial System Total FMV Participation Rate (%) Source: SBS y FMV Includes all credit modalities sponsored by FMV. 1/ Information on Financial System is not available as the date of preparation of this bulletin. 7

8 Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun 2/ CHART 1.1.3: MORTGAGE PORTFOLIO BALANCE OF MIVIVIENDA CREDITS AND FINANCIAL SYSTEM (In Millions of S/) Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun 2/ Mortgage Portfolio Balance of FMV 1/ Mortgage Portfolio Balance in the Financial System FMV Mortgage Portfolio Participation in the Financial System (%) Source: SBS y FMV 1/ Trust Agreement - COFIDE (Principal Balance). Neither provisions nor interests are considered. 2/ Information on Financial System is not available as the preparation of this bulletin. CHART 1.1.4: MORTGAGE DEBTORS OF MIVIVIENDA AND FINANCIAL SYSTEM (Numbers of debtors) FMV Financial System 1/ FMV Participation Rate (%) Source: SBS y FMV 1/ It considers the debtor as unique if he has loans of the same type in more than one company. 2/ Information on Financial System is not available as the preparation of this bulletin. 8

9 CHART 1.1.5: NON-PERFORMING LOAN MORTGAGE PORTFOLIO OF FMV 1/ AND FINANCIAL SYSTEM (In percentages) May Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun FMV FMV without CRAC Señor de Luren Financial System Mortgage Source: SBS y FMV 1/ Non-Performing loan rate of IFI regarding Mivivienda Credit Portfolio. CHART 1.1.6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT Mivivienda credits by product Variation(Unit.) Products 2015 Jun 17 - Apr May Jun Q2 Total Apr May Jun Q2 Jun 16 Nuevo Crédito Mivivienda 8, ,250 7, , MiConstrucción Financiamiento Complementario TP MiCasa Más MiTerreno TOTAL 9, ,316 8, , Nuevo Crédito Mivivienda MiConstrucción FCTP MiCasa Más MiTerreno

10 TABLE N 1.1.7: PLACEMENT OF MIVIVIENDA CREDITS, BY TYPE OF FINANCIAL INSTITUTION AND YEARS (AS OF JUNE 30, 2017) Credits by Type of IFI Type de IFI Variation(Unit.) Abr May Jun Q2 Total Abr May Jun Q2 Jun 17 - Jun 16 Banks 5, ,515 5, CMAC a/ 1, , Finance Company Remainder Entities 1, Edpyme b/ CAC c/ CRAC d/ 41 2 Mortgage Company Others TOTAL 9, ,316 8, , Credit Amount by Type of IFI (In Thousands of S/) Type de IFI Variation(Unit.) Abr May Jun Q2 Total Abr May Jun Q2 Jun 17 - Jun 16 Banks 719,451 66,770 61,466 57, , ,493 28,599 67,603 48, ,415-9,272 CMAC a/ 136,747 10,383 13,537 11,848 35,769 97,405 3,739 2,892 3,731 10,362-8,117 Finance Company 22,132 2,846 4,861 4,449 12,156 48,807 2,361 3,899 2,736 8,996-1,713 Remainder Entities 103,936 5,120 6,310 3,476 14,905 52,144 2,725 5,218 3,936 11, Edpyme b/ 46,227 4,525 5,870 3,254 13,649 46,863 2,725 5,218 3,936 11, CAC c/ 52, ,256 4, CRAC d/ 5, Mortgage Company Others TOTAL 982,266 85,118 86,174 77, , ,849 37,424 79,612 58, ,652-18,642 The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253) a/ Municipal Savings and Loan Institutions. b/ Micro-Enterprise Development Company. c/ Credits Unions. d/ Rural Saving and Loan Institutions. CHART 1.1.6: PLACEMENTS OF MIVIVIENDA CREDITS BY TYPE OF IFI AND IN ACCORDANCE TO IFI Placements of Mivivienda credits per type of IFI - June, Part. % 73% Banco Banco CMAC Edpyme Financiera 8% Financiera 9% Edpyme 10% CMAC Placements of Mivivienda credits per IFI - June, Part. % Interbank; 10% Edpyme MiCasita; 9% Financiero; 9% Crédito; 36% Otras IFIs 13% BIF 8% Continental ; 8% CMAC Sullana 6% Crédito Interbank Edpyme MiCasita Financiero BIF Continental CMAC Sullana Otras IFIs 10

11 CHART 1.1.8: PLACEMENTS OF MIVIVIENDA CREDITS ACCORDING TO METROPOLITAN LIMA 1/ AND PROVINCES Mivivienda credits according to Metropolitan Lima and Provinces Provinces Metropolitan Lima Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun Mivivienda credits according to Metropolitan Lima and Provinces (Part. %) 50% 44% 45% 53% 49% 39% 47% 43% 47% 46% 38% 35% 38% Provinces 50% 56% 55% 47% 51% 61% 53% 57% 53% 54% 62% 65% 62% Metropolitan Lima Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun 1/ Metropolitan Lima considers the provinces of Lima and Callao. CHART 1.1.9: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION Mivivienda credits by region - June 2017 June 2017 The brighter colors indicate greater number of placements. 11

12 1.2 Mivivienda credit by product, financial institution and region 1.2 Mivivienda credit by product, financial institution and region 12

13 TABLE N 1.2.1: DISBURSEMENTS OF MIVIVIENDA CREDITS AS OF JUNE 30, 2017 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). Year MIVIVIENDA Tradicional TABLE N 1.2.2: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT c/ AS OF JUNE 30, 2017 Finananciamiento Complementario TP Number Amount c/ (In thousands of de S/) TOTAL 123,745 10,734,356 a/ From July b/ Accumulated from January to June. c/ The periods of placement of Mivivienda Credits of the previous table are the following c.1 MIVIVIENDA Tradicional: July April 2006 c.2 Financiamiento Complementario del Programa Techo Propio: since November up to the present. c.3 Cobertura de Riesgo Crediticio - PBP: May October The total number of credits (5 399) were not attended with resources of the FMV S.A. c.4 MIVIVIENDA Estandarizado:from July November c.5 MIHOGAR: March August c.6 Nuevo Crédito MIVIVIENDA: were place from June up to the present. c.7 MICONSTRUCCIÓN: From July up to the present. c.8 MI CASA MÁS: January up to the present. c.9 MITERRENO: December up to the present. Year Credits Disbursed Number Accumulated Amount c/ (In thousands of de S/) 1999 a/ 143 8, , , , ,410 82,649 1, , , ,161 5, , , ,992 12, , , ,874 20,622 1,354, , ,662 30,071 2,051, , ,302 35,823 2,480, , ,957 39,219 2,707, , ,242 43,688 2,920, , ,434 48,498 3,192, , ,207 56,954 3,817, , ,295 68,025 4,765, ,309 1,113,574 79,334 5,878, ,164 1,403,186 92,498 7,281, ,777 1,182, ,275 8,464, , , ,365 9,446, , , ,447 10,320, b/ 3, , ,745 10,734,356 Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Number of credits disbursed Nuevo Crédito MIVIVIENDA MiConstrucción MICASA MÁS MITERRENO Total TOTAL 33,294 11,264 5, ,999 67,124 2, , a/ , , , , , , , , , , , , , , , , , , , ,305 1, , , , , , , , , , , , , , , , , , , , b/ , ,298 13

14 TABLE N 1.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF JUNE 30, 2017 Year MIVIVIENDA Tradicional Finananciamiento Complementario TP Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Thousands of S/ c/ Nuevo Crédito MIVIVIENDA a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). MiConstrucción MICASA MÁS MITERRENO Total TOTAL 2,339, , ,356 24, ,569 7,427,251 91,503 10, ,734, a/ 8, , , , , , , , , , ,890 2, , ,884 2, , ,306 2, ,259 5, , , ,341 4,794 23, , ,407 56,343 6, , , ,229 34,413 8,225 75, , , , , , , , , , ,083,959 5, ,113, , ,353,633 28, ,403, , ,139,271 30,941 1, ,182, , ,987 21,561 3, , , ,661 3,780 4, , b/ - 1, , ,064 TABLE N 1.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF JUNE 30, 2017 Destination Product a/ From July b/ Accumulated from January to June a/ b/ Total TOTAL 35,823 3,396 4,469 4,810 8,456 11,071 11,309 13,164 10,777 9,090 8,082 3, ,745 Vivienda en construcción MIVIVIENDA Tradicional 21, ,122 Cred. Complementario TP ,449 1,240 2,007 2,180 1,153 1, ,543 Cobertura de Riesgo - PBP 1,200 1, ,088 MIVIVIENDA Estandarizado MiHOGAR ,019 1, ,580 Nuevo Crédito MIVIVIENDA ,598 6,099 8,614 9,581 10,758 8,636 7,330 6,930 2,707 62,253 MiConstrucción MICASA MÁS Terreno MITERRENO Vivienda terminada Vivienda en ampliación Vivienda en mejoramiento Vivienda de segundo uso Construcción en terreno propio Number of credits disbursed MIVIVIENDA Tradicional 12, ,172 Cred. Complementario TP Cobertura de Riesgo - PBP ,311 MIVIVIENDA Estandarizado MiHOGAR Nuevo Crédito MIVIVIENDA ,699 MICASA MÁS MiConstrucción MiConstrucción Nuevo Crédito MIVIVIENDA ,022 Nuevo Crédito MIVIVIENDA

15 TABLE N 1.2.5: PLACEMENTS OF MIVIVIENDA CREDITS, ACCORDING TO TYPE AND FINANCIAL ENTITY AS OF JUNE 30, 2017 Type of IFI IFI a/ b/ Total TOTAL 35,823 3,396 4,469 4,810 8,456 11,071 11,309 13,164 10,777 9,090 8,082 3, ,745 Bank CAC c/ CMAC d/ CRAC e/ Edpyme f/ Finance Company Mortgage Company Number of credits disbursed Banco Falabella BIF 1, ,258 1, ,119 Comercio Continental 5, ,478 1,320 1, ,452 Crédito 7, ,698 2,363 2,940 3,344 4,043 2,469 1,452 1,651 1,083 29,975 Financiero 2, ,039 1, ,653 Interbank 4, , ,293 3,091 3,008 2, ,885 Mi Banco Scotiabank 1,202 1, , ,356 Sudamericano 1, ,253 Trabajo 3, ,464 Wiese Sudameris 4, ,865 Banco GNB Peru AELUCOOP CAC Abaco CAC Pacífico CAC San Francisco CAC San Martín de Porres CAC Santa María Magdalena La Rehabilitadora Prestasur ,957 CAC Quillacoop Caja Metropolitana 1, ,464 CMAC Huancayo ,484 CMAC Ica ,377 CMAC Maynas CMAC Paita CMAC Piura CMAC Sullana , ,257 CMAC Tacna CMAC Trujillo Crac Caja Sur CRAC Credinka CRAC Cruz de Chalpón CRAC Nor Perú CRAC Nuestra Gente CRAC Prymera CRAC San Martín Crac Sr. De Luren , ,974 Edpyme Confianza Edpyme Crear Arequipa Edpyme Edyficar Edpyme MiCasita ,223 Edpyme Nueva Visión Financiera CMR Financiera Confianza Financiera Efectiva Financiera Solución Financiera TFC ,975 Hipotecaria SURA Other Hipotecaria SURA g/ a/ From July b/ Accumulated from January to June. c/ Credits Unions. d/ Municipal Savings and Loan Institutions. e/ Rural Saving and Loan Institutions. f/ Micro-Enterprise Development Company. g/ Mortgage Management Company (EAH per its Spanish acronym). 15

16 TABLE N 1.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION AND ACCORDING TO THE TYPE OF PRODUCT AS OF JUNE 30, 2017 Region MIVIVIENDA Tradicional Financiamiento Complementario TP Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Number of credits disbursed Nuevo Crédito MIVIVIENDA MiConstrucción MICASA MÁS MITERRENO Total TOTAL 33,294 11,264 5, ,999 67,124 2, ,745 AMAZONAS ANCASH ,188 APURIMAC AREQUIPA 1, , ,033 AYACUCHO CAJAMARCA CALLAO , ,996 CUSCO ,140 HUANCAVELICA HUANUCO ICA 865 4, , ,727 JUNIN , ,727 LA LIBERTAD 1,867 1, , ,483 LAMBAYEQUE , ,665 LIMA 25, , ,557 41, ,512 LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA , ,521 PUNO SAN MARTIN ,335 TACNA TUMBES UCAYALI CHART N 1.2.1: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION (As of June 30, 2017) LIMA ICA LA LIBERTAD AREQUIPA LAMBAYEQUE PIURA CALLAO JUNIN SAN MARTIN ANCASH CUSCO PUNO CAJAMARCA UCAYALI TACNA MOQUEGUA AYACUCHO HUANUCO APURIMAC AMAZONAS LORETO PASCO TUMBES MADRE DE DIOS HUANCAVELICA 9,727 7,483 6,033 5,665 5,521 4,996 1,727 1,335 1,188 1, ,512 16

17 TABLE N 1.2.7: PLACEMENTS OF MIVIVIENDA BY REGION AND ACCORDING TO THE TYPE OF PRODUCT a/ Accumulated from January to June a/ TOTAL AMAZONAS Nuevo Crédito MIVIVIENDA ANCASH Cred. Complementario TP MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA APURIMAC Nuevo Crédito MIVIVIENDA AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO Cred. Complementario TP MICASA MAS MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA Cred. Complementario TP MICASA MAS MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA HUANCAVELICA Nuevo Crédito MIVIVIENDA HUANUCO Nuevo Crédito MIVIVIENDA ICA JUNIN LIMA LORETO Cred. Complementario TP MICONSTRUCCION Nuevo Crédito MIVIVIENDA MICASA MAS MICONSTRUCCION Nuevo Crédito MIVIVIENDA Cred. Complementario TP MICASA MAS MICONSTRUCCION Nuevo Crédito MIVIVIENDA Cred. Complementario TP MICASA MAS MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA Cred. Complementario TP MICASA MAS MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA MADRE DE DIOS Nuevo Crédito MIVIVIENDA MOQUEGUA MICONSTRUCCION Nuevo Crédito MIVIVIENDA PASCO Nuevo Crédito MIVIVIENDA PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI Region LA LIBERTAD LAMBAYEQUE Product Number of credits disbursed Annual Cred. Complementario TP MICASA MAS MICONSTRUCCION Nuevo Crédito MIVIVIENDA Cred. Complementario TP Nuevo Crédito MIVIVIENDA Cred. Complementario TP MICONSTRUCCION Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA MICONSTRUCCION Nuevo Crédito MIVIVIENDA Cred. Complementario TP Nuevo Crédito MIVIVIENDA

18 TABLE N 1.2.8: DISBURSEMENTS OF MIVIVIENDA CREDITS IN THE FINANCIAL SYSTEM, BY REGION AND YEARS (AS OF JUNE 30, 2017) Number of credits per year Region a/ b/ TOTAL AMAZONAS ANCASH ,188 APURIMAC AREQUIPA 2, ,033 AYACUCHO CAJAMARCA CALLAO 1, ,996 CUSCO ,140 HUANCAVELICA HUANUCO ICA 4,017 1, , ,727 JUNIN ,727 LA LIBERTAD 3, ,483 LAMBAYEQUE 1, ,665 LIMA 39,189 6,547 6,092 7,168 6,113 4,549 4,075 1,779 75,512 LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA 1, ,521 PUNO SAN MARTIN ,335 TACNA TUMBES UCAYALI TOTAL 56,954 11,071 11,309 13,164 10,777 9,090 8,082 3, ,745 Amount per year (In thousands of S/) Region a/ b/ TOTAL AMAZONAS 179 1,796 4,086 1,759 2, ,909 ANCASH 11,433 2,360 2,417 8,862 9,714 11,569 10,544 5,451 62,350 APURIMAC 3,997 1,568 2,651 2, , ,920 AREQUIPA 146,905 44,786 50,412 59,328 49,063 50,141 34,617 11, ,180 AYACUCHO 2, , ,268 3,758 1,118 12,687 CAJAMARCA 11,729 7,446 7,380 5,952 5,525 2,773 1,697 2,142 44,646 CALLAO 123,720 49,169 87, ,069 58,264 30,966 44,476 25, ,031 CUSCO 47,004 14,079 11,490 8,923 6,416 3,720 2, ,082 HUANCAVELICA ,235 HUANUCO 2, ,322 1,039 1,426 2, ,346 ICA 108,176 38,273 47,654 61,845 63,118 59,026 46,629 19, ,290 JUNIN 40,802 17,130 12,496 15,739 13,917 19,274 27,567 9, ,368 LA LIBERTAD 206,230 50,129 49,064 51,091 62,001 64,215 60,867 23, ,557 LAMBAYEQUE 98,226 25,860 52,580 69,320 65,392 68,589 74,201 36, ,344 LIMA 2,908, , , , , , , ,770 7,327,694 LORETO 3, , ,212 MADRE DE DIOS ,952 MOQUEGUA 1,515 3,959 3,771 4,811 1, ,979 PASCO , ,087 PIURA 68,438 16,514 35,299 53,214 63,722 60,075 54,991 19, ,240 PUNO 5, ,539 8,058 6,206 6,946 3,749 1,870 35,494 SAN MARTIN 16,588 7,173 8,903 8,773 3,274 2,205 2, ,140 TACNA 10, ,090 3,905 3,618 3,227 24,526 TUMBES , ,694 UCAYALI 334 5,585 2,307 9, ,393 TOTAL 3,817, ,295 1,113,574 1,403,186 1,182, , , ,064 10,734,356 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). 18

19 TABLE N : DISBURSEMENTS OF MIVIVIENDA CREDITS FROM BANKS, BY REGION AND YEARS (AS OF JUNE 30, 2017) Number of credits per year Amount per year (In thousands of S/) Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS 124 1,796 4,086 1,759 2, ,854 ANCASH ,160 ANCASH 10,991 2,360 2,417 8,582 8,906 11,569 10,544 5,201 60,570 APURIMAC APURIMAC 1, ,749 AREQUIPA 1, ,719 AREQUIPA 115,513 39,871 39,167 41,256 20,309 21,351 26,064 6, ,736 AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA 8,191 6,968 6,660 5,038 4,812 2,469 1,697 2,142 37,978 CALLAO 1, ,695 CALLAO 120,424 48,318 87,020 94,964 51,186 25,590 42,569 24, ,514 CUSCO ,027 CUSCO 47,004 14,079 10,249 3,595 1,245 2,041 2, ,663 HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO 1, ,287 ICA 2, ,592 ICA 64,590 29,308 18,517 34,263 39,839 32,228 20,172 10, ,212 JUNIN JUNIN 25,233 9,287 4,319 2, ,324 2, ,206 LA LIBERTAD 2, ,975 LA LIBERTAD 173,850 46,899 47,463 47,385 48,418 48,317 53,813 23, ,308 LAMBAYEQUE 1, ,967 LAMBAYEQUE 88,950 23,233 52,051 66,179 60,850 60,135 64,056 34, ,018 LIMA 36,629 5,881 5,597 6,300 4,962 3,296 2,938 1,303 66,906 LIMA 2,705, , , , , , , ,713 6,569,391 LORETO LORETO 2, ,415 MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA 1, ,682 PASCO 2 2 PASCO PIURA ,789 PIURA 59,120 12,138 30,452 37,392 42,749 37,133 41,748 15, ,790 PUNO PUNO 5, ,444 SAN MARTIN SAN MARTIN 5,473 5,173 5,181 4, , ,689 TACNA TACNA 5, ,233 3,552 3,618 3,227 17,907 TUMBES TUMBES UCAYALI UCAYALI TOTAL 49,460 9,308 9,289 9,744 7,734 5,640 5,447 2,369 98,991 TOTAL 3,444, , ,972 1,185, , , , ,385 9,133,902 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). TABLE N : DISBURSEMENTS OF MIVIVIENDA CREDITS FROM MUNICIPAL SAVINGS, BY REGION AND YEARS (AS OF JUNE 30, 2017) Number of credits per year Amount per year (In thousands of S/) Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS 1 1 AMAZONAS ANCASH ANCASH ,496 APURIMAC 1 1 APURIMAC AREQUIPA AREQUIPA ,129 18,533 8,310 5,724 44,029 AYACUCHO AYACUCHO ,268 3,758 1,118 9,078 CAJAMARCA CAJAMARCA ,991 CALLAO CALLAO 1, ,984 2, ,472 CUSCO CUSCO HUANCAVELICA HUANCAVELICA ,235 HUANUCO HUANUCO , ,414 ICA ,576 ICA 10,459 1,306 4,318 6,822 11,507 15,169 9,288 2,376 61,245 JUNIN JUNIN 5,576 6,458 7,208 12,457 13,297 16,388 24,198 8,610 94,192 LA LIBERTAD LA LIBERTAD 15, ,344 13,233 15,897 6, ,942 LAMBAYEQUE LAMBAYEQUE ,568 4,225 6,311 3, ,710 LIMA 1, ,978 LIMA 98,308 18,247 13,343 9,647 28,191 41,646 25,511 6, ,953 LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA PASCO PASCO , ,983 PIURA PIURA 7, ,401 4,595 15,131 9,836 2,146 41,562 PUNO PUNO 2, ,703 SAN MARTIN SAN MARTIN ,371 TACNA TACNA 4,349 4,349 TUMBES TUMBES , ,490 UCAYALI 4 4 UCAYALI TOTAL 2, ,199 1,712 1, ,148 TOTAL 145,919 28,051 27,982 39,409 94, ,747 97,405 28, ,475 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). 19

20 TABLE N : DISBURSEMENTS OF MIVIVIENDA CREDITS FROM FINANCE COMPANY, BY REGION AND YEARS (AS OF JUNE 30, 2017) Number of credits per year Amount per year (In thousands of S/) Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC 2,933 1, ,475 AREQUIPA AREQUIPA 418 1, ,016 AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA 3, ,638 CALLAO 1 1 CALLAO ,846 CUSCO CUSCO HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO ICA ,344 ICA 10,834 3, ,292 11,039 17,169 6,145 50,856 JUNIN JUNIN 3,779 1, ,662 LA LIBERTAD LA LIBERTAD 5,270 2, ,140 LAMBAYEQUE LAMBAYEQUE 8,444 2, ,143 6, ,422 LIMA LIMA 23,618 8, ,212 4,089 16,711 8,359 63,337 LORETO 1 1 LORETO MADRE DE DIOS MADRE DE DIOS ,952 MOQUEGUA MOQUEGUA PASCO PASCO PIURA PIURA 1,106 1, ,900 3,200 2,304 11,018 PUNO PUNO 3,749 1,814 5,563 SAN MARTIN SAN MARTIN 5,211 1, ,510 TACNA TACNA TUMBES TUMBES UCAYALI UCAYALI TOTAL 1, ,240 TOTAL 65,967 23,846 1, ,785 22,132 48,807 20, ,035 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). TABLE N : DISBURSEMENTS OF MIVIVIENDA CREDITS FROM OTHER CATEGORIES, BY REGION AND YEARS (AS OF JUNE 30, 2017) Number of credits per year Amount per year (In thousands of S/) Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC 72 2,227 2, ,220 6,597 AREQUIPA ,965 AREQUIPA 30,975 3,337 11,223 17,740 17,625 10, ,398 AYACUCHO AYACUCHO 1,673 1,210 2,883 CAJAMARCA 1 1 CAJAMARCA CALLAO CALLAO ,757 5,094 2,297 1, ,199 CUSCO CUSCO 1,241 5,328 5,172 1,678 13,419 HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO 303 3, ,365 ICA ,215 ICA 22,293 4,632 24,471 20,760 9, ,977 JUNIN JUNIN 6, ,307 LA LIBERTAD LA LIBERTAD 11, , ,168 LAMBAYEQUE LAMBAYEQUE ,193 LIMA 1, ,741 LIMA 80,772 28,241 44,109 85,879 81,942 60,799 48,634 23, ,013 LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA 3,889 3,771 4,641 1,478 13,779 PASCO PASCO PIURA PIURA 894 2,533 4,680 13,422 15,744 5, ,870 PUNO PUNO 67 2,355 8,058 3,663 6,642 20,784 SAN MARTIN SAN MARTIN 5, ,469 4,122 1,720 1,323 1,287 17,569 TACNA TACNA 60 1, ,269 TUMBES TUMBES UCAYALI UCAYALI 65 5,585 1,997 9,983 17,630 TOTAL 3, ,558 2,614 1,727 1, ,366 TOTAL 161,280 40, , , , ,936 52,145 25, ,944 a/ From July b/ Accumulated from January to June. c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of June 2017 (S/ 3.253). 20

21 Chapter II BONO FAMILIAR HABITACIONAL 2.1 Monthly disbursement of Bono Familiar Habitacional by modality and region 2.2 Historical disbursement of Bono Familiar Habitacional by modality and region 2.2 Authorized Centers, Signed Agreements and 2.3 Technical Entities

22 BONO FAMILIAR HABITACIONAL DE TECHO PROPIO - GLOSARIO 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. 22. 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. 33. 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. 44. Technical Entities Technical entities are natural or legal entities in charge of promoting, developing, constructing and/or supervising Techo Propio Program construction projects. 22

23 BONO FAMILIAR HABITACIONAL: SITUATION AT MARCH EXECUTIVE SUMMARY - Products and Modalities In June 2017, 5,599 bonuses of Bono Familiar Habitacional (BFH) were granted. In monetary terms, S/ 108 million were disbursed in June By Modalities: Construction on Owned Land (main bonus mechanism) granted 5,298 bonuses (equivalent to S/ million); Housing Improvement granted 277 bonuses (equivalent to S/ 2.5 million); and New Housing Acquisition 27 bonuses (equivalent to S/ 512 thousand). Regions By regions, the 10 regions most benefited were: La Libertad with 926, Ica with 925, San Martín with 812, Junín with 479, Piura with 455, Lambayeque with 443, Lima with 419, Huancavelica with 349, Apurimac with 125 and Ancash with 124; which together represent 90% of BFHs granted. Authorized Centers and Signed Agreements As of June 30st, 2017, the number of authorized centers nationwide were 1,052 increasing by 1 compared to May The regions with the highest number of authorized centers are: Ayacucho with 100, Junín with 95, Arequipa with 82 and San Martin with 78. Meanwhile, signed agreements within the country reached 1,097, unchanged since September Therefore, as of March 31st, 2017, the regions with the largest number of signed agreements were: Junín with 110, Ayacucho with 103, Arequipa with 95 and Cusco with 87. Technical Entities As of June 30 th 2017, the number of active technical entities were 625, decreasing by 89 compared with the previous month. Regions where entities declined were: Lima by 10, La Libertad by 8, Ica by 3, Moquegua by 2, Cajamarca by 1, Junín by 1, Lambayeque by 1 and Ica by 1; although, in Ancash and San Martín there was an increase of 3 technical entity. 23

24 2.1 Monthly disbursement of Bono Familiar Habitacional by modality and region 2.1 Monthly disbursement of Bono Familiar Habitacional by modality and region 24

25 CHART 2.1.1: NUMBER AND AMOUNT OF BFH (Number of bonus disbursed and millions of soles) 7,797 6,572 5,966 5,698 5,599 4,336 4,085 3, ,982 3,784 4,569 4,593 4,592 2, , , ,473 2,417 2, , ,951 1, Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Feb Mar Apr May Jun Number Amount (Thousands of S/) CHART 2.1.2: NUMBER OF BFH BY MODALITY (Number of bonus disbursed) , , , , ,115 3,742 3,599 3,764 4, ,128 4, ,626 2,771 2,457 2,390 2,091 2, ,162 1, ,904 5,966 5, , Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Construction on Owned Land New Housing Acquisition Housing Improvement Feb Mar Apr May Jun 25

26 TABLE N 2.1.3: NUMBER AND AMOUNT OF BFH BY MODALITY Products Variation(Unit.) Apr May Jun Q2 Total Apr May Jun Q2 Jun 17 - Jun 16 New Housing Acquisition 2, , Construction o Owned Land 46,467 4,128 4,260 5,656 14,044 34,344 1,665 2,882 5,298 4, Housing Improvement 1, , , Total 50,405 4,593 4,592 5,966 15,151 38,846 1,763 2,951 5,599 6, Products Variation(Unit.) Apr May Jun Q2 Total Apr May Jun Q2 Jun 17 - Jun 16 New Housing Acquisition 861,441 5,859 3,815 1,792 11,475 39,078 2,175 2, ,525-1,280 Construction o Owned Land 46,467 77,410 82, , , ,631 32,373 55, ,477 96,404-3,298 Housing Improvement 9,705 1,426 1,208 1,936 4,534 26,308 2,521 10, Total 917,613 84,695 87, , , ,017 34,548 57, , ,017-3,994 CHART 2.1.4: NUMBER AND AMOUNT OF BFH BY REGION 1/ Number of BFH by region, June 2017 June / The brighter colors indicate larger disbursements of BFH 26

27 2.2 Historical disbursement of Bono Familiar Habitacional by modality and region 2.2 Historical disbursement of Bono Familiar Habitacional by modality and region 27

28 TABLE N 2.2.1: DISBURSEMENTS OF BFH AS OF JUNE 30, 2017 Year Number a/ From July b/ Accumulated from January to June. Bonus Disbursed Amount (In thousands of de S/) TOTAL 270,209 4,698,444 Accumulated Amount Number (In thousands of de S/) 2003 a/ 688 8, , ,912 23,311 2,600 31, ,852 21,998 4,452 53, ,025 23,678 6,477 77, ,394 27,886 8, , , ,420 18, , , ,045 46, , , ,571 65,336 1,008, , ,944 77,830 1,220, , ,985 95,330 1,519, , , ,244 1,937, , , ,408 2,740, , , ,813 3,665, , , ,659 4,388, b/ 16, , ,209 4,698,444 TABLE N 2.2.2: PLACEMENTS OF BFH BY YEARS AND BY MODALITY AS OF JUNE 30, 2017 Year Construction on Owned Land New Housing Acquisition Housing Improvement Total Number of bonus disbursed TOTAL 42, ,928 9, , a/ , , , , , , , , ,396 6, , ,867 22,843 1,732 28, ,353 12, , ,991 6, , ,498 12, , ,414 20, , ,260 40,904-45, ,837 46,467 1,101 50, ,577 34,344 2,925 38, b/ ,818 1,385 16,550 CHART 2.1.1: NUMBER OF BFH PER YEARS (As of June 30, 2017) 45,164 50,405 38,846 28,442 23,914 9,288 18,735 12,494 17,500 16, ,912 1,852 2,025 2, a/ b/ a/ From August b/ Accumulated from January to June. 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

29 TABLE N 2.2.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR BY MODALITY AS OF JUNE 30, 2017 Year Construction on Owned Land New Housing Acquisition Housing Improvement Total TOTAL 722,787 3,900,331 75,327 4,698, a/ 8, , , , , , , , ,243 4, , ,287 98,050 5, , , ,276 11, , , ,931 3, , , ,987 2, , , ,504 2, , , , , , , , , ,441 9, , , ,606 26, , b/ 9, ,465 12, ,395 a/ From July b/ Accumulated from January to June. Thousands of de S/ CHART 2.1.2: AMOUNT DISBURSED OF BFH PER YEAR (Thousands of S/ as of June 30, 2017) 924, , , , , , , , , ,395 8,614 23,311 21,998 23,678 27, a/ b/ a/ From July b/ Accumulated from January to June. CHART 2.1.3: AMOUNT DISBURSED OF BFH BY MODALITY (Thousands of S/ as of June 30, 2017) a/ b/ Construction on Owned Land New Housing Acquisition Housing Improvement a/ From July b/ Accumulated from January to June. 29

30 a/ From July b/ Accumulated from January to June. TABLE N 2.2.4: NUMBER OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF JUNE 30, 2017 Region 2003 a/ b/ Total Number of bonus disbursed TOTAL 688 1,912 1,852 2,025 2,394 9,288 28,442 18,735 12,494 17,500 23,914 45,164 50,405 38,846 16, ,209 AMAZONAS , ,930 ANCASH ,145 2,452 1, ,366 APURIMAC ,264 AREQUIPA ,842 AYACUCHO , ,123 CAJAMARCA ,336 CALLAO , , ,307 CUSCO ,353 HUANCAVELICA ,212 1, ,851 HUANUCO ,846 ICA ,933 7,723 8,467 5,983 9,070 6,925 10,678 7,839 5,429 2,665 68,871 JUNIN ,027 1,313 1,314 1, ,130 LA LIBERTAD ,727 5,883 2,828 1,920 1,884 5,015 8,070 9,817 6,461 2,399 46,662 LAMBAYEQUE , ,384 2,012 2,908 2, ,295 LIMA ,938 4,858 1,972 1,100 2,006 2,913 4,756 3,640 3,459 1,243 30,724 LORETO ,806 MADRE DE DIOS MOQUEGUA PASCO PIURA ,115 1, ,200 3,603 6,512 7,673 5,624 2,227 31,156 PUNO ,239 SAN MARTIN ,864 1, ,993 5,012 4,226 1,862 21,968 TACNA ,739 TUMBES ,137 UCAYALI ,703 CHART 2.1.4: BFH DISBURSEMENTS BY REGION (As of June 30, 2017) ICA LA LIBERTAD PIURA LIMA SAN MARTIN LAMBAYEQUE ANCASH CALLAO JUNIN AREQUIPA AYACUCHO HUANCAVELICA AMAZONAS LORETO CAJAMARCA PUNO HUANUCO TACNA UCAYALI CUSCO APURIMAC TUMBES MOQUEGUA PASCO MADRE DE DIOS

31 TABLE N 2.2.5: AMOUNT OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF JUNE 30, 2017 Region 2003 a/ b/ Total Thousands of S/ TOTAL AMAZONAS , ,527-2,653 20,152 17,826 6,473 52,664 ANCASH , ,213 2,806 13,550 8,642 11,882 37,603 42,065 33,811 14, ,500 APURIMAC , ,071 4,700 7,894 6,666 5,134 28,898 AREQUIPA , ,492 15,258 6,846 1,647 6,965 3,255 8,313 12,663 13,760 5,178 81,024 AYACUCHO - - 1, , ,890 4,140 18,500 28,418 22,948 6,364 87,672 CAJAMARCA ,893 1, ,982 4,285 9,568 15,355 4,756 42,015 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 15,542 5, ,797 CUSCO ,012 2,283 1,684 1, ,106 9,258 6,463 1,607 27,342 HUANCAVELICA ,698 1, ,827 32,415 31,966 22, ,796 HUANUCO ,666 1,772 7,424 8,862 6,789 4,316 32,908 ICA - 2, ,191 10,028 43, , , , , , , ,313 94,584 47,386 1,175,663 JUNIN ,776 1,716 1,092 4,409 17,641 24,206 27,966 23,827 17, ,648 LA LIBERTAD - - 1,462 1,776 4,565 26,347 98,416 48,694 33,598 34,234 88, , , ,986 44, ,668 LAMBAYEQUE 649 1, , ,285 16,624 8,615 6,850 5,975 23,798 35,353 51,880 36,514 14, ,034 LIMA 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 52,622 20, ,249 LORETO ,517 3, ,768 2,218 5,599 9,082 17,601 4,351 54,672 MADRE DE DIOS ,161 1, ,704 MOQUEGUA , ,861 4,855 1,945 1, ,428 PASCO ,059 2,480 2,211 2,019 9,049 PIURA ,241 35,373 21,402 11,272 20,453 62, , ,674 97,385 38, ,921 PUNO 1, ,400 2,573 7,380 2, ,510 14,820 1,600 1,147 38,980 SAN MARTIN ,211 45,883 25,780 8,570 5,211 13,398 69,961 90,085 77,307 34, ,232 TACNA ,891 1, ,625 6,068 12,922 2,947 28,934 TUMBES , ,146 4,834 3,005 1,244 20,053 UCAYALI ,422 2,647 9,509 7,975 4,029 3,592 30,593 a/ From July b/ Accumulated from January to June. CHART 2.1.5: AMOUNT DISBURSED OF BFH BY REGION (Thousands of S/ as of June 30, 2017) ICA LA LIBERTAD PIURA LIMA SAN MARTIN LAMBAYEQUE ANCASH CALLAO JUNIN HUANCAVELICA AYACUCHO AREQUIPA LORETO AMAZONAS CAJAMARCA PUNO HUANUCO UCAYALI TACNA APURIMAC CUSCO TUMBES MOQUEGUA PASCO MADRE DE DIOS

32 TABLE N 2.2.6: NUMBER OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF JUNE 30, 2017 Region Construction on Owned Land New Housing Acquisition Housing Improvement Total Number of bonus disbursed TOTAL 42, ,928 9, ,209 AMAZONAS - 2, ,930 ANCASH 1,946 7, ,366 APURIMAC - 1,264-1,264 AREQUIPA 2,087 2, ,842 AYACUCHO 118 3, ,123 CAJAMARCA 88 2, ,336 CALLAO 1,948 6, ,307 CUSCO ,353 HUANCAVELICA - 3, ,851 HUANUCO 168 1, ,846 ICA 10,108 57,094 1,669 68,871 JUNIN 220 5, ,130 LA LIBERTAD 12,571 33, ,662 LAMBAYEQUE 1,361 10, ,295 LIMA 5,864 20,052 4,808 30,724 LORETO 115 2, ,806 MADRE DE DIOS MOQUEGUA PASCO PIURA 1,748 28, ,156 PUNO 1, ,239 SAN MARTIN 1,238 20, ,968 TACNA 344 1, ,739 TUMBES - 1, ,137 UCAYALI 399 1,304-1,703 TABLE N 2.2.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF JUNE 30, 2017 Region Construction on Owned Land New Housing Acquisition Housing Improvement Total Thousands of S/ TOTAL 722,787 3,900,331 75,327 4,698,444 AMAZONAS - 52, ,664 ANCASH 32, ,105 5, ,500 APURIMAC - 28,898-28,898 AREQUIPA 32,849 48, ,024 AYACUCHO 1,382 86, ,672 CAJAMARCA 1,749 40, ,015 CALLAO 25, ,558 2, ,797 CUSCO 5,945 21, ,342 HUANCAVELICA - 100, ,796 HUANUCO 2,627 30, ,908 ICA 171, ,099 14,039 1,175,663 JUNIN 3, , ,648 LA LIBERTAD 234, ,674 1, ,668 LAMBAYEQUE 19, ,405 1, ,034 LIMA 88, ,418 36, ,249 LORETO 1,329 52, ,672 MADRE DE DIOS 2,299 1,405-3,704 MOQUEGUA - 13, ,428 PASCO - 9,049-9,049 PIURA 31, ,973 8, ,921 PUNO 34,445 4,535-38,980 SAN MARTIN 21, ,061 2, ,232 TACNA 3,945 24, ,934 TUMBES - 20, ,053 UCAYALI 7,478 23,116-30,593 32

33 2.3 Authorized Centers, Signed Agreements and Technical Entities 2.3 Authorized Centers, Signed Agreements and Technical Entities 33

34 CHART 2.3.1: SIGNED AGREEMENTS AND AUTHORIZED CENTERS, BY REGION (UPDATED AS OF JUNE 30, 2017) AYACUCHO JUNIN AREQUIPA SAN MARTIN CUSCO HUANCAVELICA PUNO LA LIBERTAD HUANUCO ICA CAJAMARCA LAMBAYEQUE PIURA APURIMAC AMAZONAS LIMA TACNA MOQUEGUA ANCASH PASCO LORETO TUMBES MADRE DE DIOS UCAYALI CALLAO AUTHORIZED CENTERS SIGNED AGREEMENTS Total of Authorized Centers: 1,052 Total of Signed Agreements: 1, CHART 2.3.2: NUMBER OF CURRENT TECHNICAL ENTITIES BY REGION Current Technical Entities by region (UPDATED AS OF JUNE 30, 2017) Technical Entities by region LA LIBERTAD 206 LIMA 151 ICA 68 SAN MARTIN 55 PIURA 51 LAMBAYEQUE 23 JUNIN 16 ANCASH 18 CAJAMARCA 7 LORETO 5 CALLAO 5 AMAZONAS 4 CUSCO 3 HUANUCO 3 MOQUEGUA 1 APURIMAC 2 AREQUIPA 2 AYACUCHO UCAYALI 2 0 Total Number: 625 MADRE DE DIOS 1 PASCO 1 TACNA 1 Social and Building Project Management 34

35 Chapter III BONO DE PROTECCIÓN DE VIVIENDAS VULNERABLES A LOS RIESGOS SÍSMICOS (Housing Protection against Seismic Risk Bonus) 3.1 Disbursement of Bono de Protección de Viviendas Vulnerables a los riesgos sísmicos by districts

36 -EXECUTIVE SUMMARY- Bono de Protección de Viviendas Vulnerables a los Riesgos Sísmicos (BPVV) 1/ In June 2017, 35 bonuses were granted (equivalent to S/ 678 thousand), decreasing by 89 compared with May In Lima, the districts benefited by these bonuses were: Independencia with 9, Carabayllo 7 and San Juan de Lurigancho 1. While in Arequipa, the districts benefited by these bonuses were: Cabanaconde with 8, Madrigal with 6, Huambo with 2, Chivay with 1 and Coporaque with 1. Since the beginning of the program, 3,089 bonuses were granted, equivalent in monetary terms to S/ 46 million. The districts most benefited were San Juan de Lurigancho and Comas with 784 and 547 bonuses, respectively. TABLE 3.1: NUMBER OF BPVV DISBURSEMENTS BY DISTRICTS AS OF JUNE 30, 2017 LIMA AREQUIPA Year Month Number of bonus disbursed Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun ANCÓN ATE CARABAYLLO COMAS EL AGUSTINO INDEPENDENCIA PUENTE PIEDRA SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES VENTANILLA VILLA MARÍA DEL TRIUNFO TOTAL ACHOMA CABANACONDE CHIVAY COPORAQUE HUAMBO ICHUPAMPA LARI MADRIGAL TAPAY TUTI YANQUE TOTAL LIMA AREQUIPA Year Month TABLE 3.2: AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF JUNE 30, 2017 Thousands of S/ Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun ANCÓN ATE CARABAYLLO COMAS EL AGUSTINO INDEPENDENCIA PUENTE PIEDRA SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES VENTANILLA VILLA MARÍA DEL TRIUNFO TOTAL ACHOMA CABANACONDE CHIVAY COPORAQUE HUAMBO ICHUPAMPA LARI MADRIGAL TAPAY TUTI YANQUE TOTAL 1/ The BPVV applies only in Lima Metropolitan and Arequipa. In Lima the beneficiary districts are: Comas, Carabayllo, El Agustino, Independencia, Puente Piedra, San Juan de Lurigancho, Ventanilla, Ate, San Juan de Miraflores, Villa María del Triunfo, Pachacamac and Ancón. While in Arequipa, Caylloma province, the beneficiary districts are: Chivay, Ichupampa, Achoma, Yangue, Maca, Madrigal, Coporaque, Lari, Tuti, Cabanaconde, Huambo and Tapay. 36

37 CHART 3.1: BPVV DISBURSEMENTS AS OF JUNE 30, Jun Jul Aug Sep Oct Nov Dec Jan 2016 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2017 Number Amount in thousands of S/ Feb Mar Apr May Jun CHART 3.2: BPVV DISTRIBUTION, BY DISTRICTS AS OF JUNE 30, 2017 San Juan De Lurigancho 784 ANCÓN Comas 547 CARABAYLLO Villa María Del Triunfo 346 PUENTE PIEDRA Ate 314 VENTANILLA COMAS SAN JUAN DE LURIGANCHO Carabayllo Puente Piedra INDEPENDENCIA EL AGUSTINO ATE Ventanilla San Juan De Miraflores SAN JUAN DE MIRAFLORES VILLA MARÍA DEL TRIUNFO Independencia 71 El Agustino Ancón In June 2017, 18 bonds were disbursed in Arequipa (8 in Cabanaconde district, 6 in Madrigal, 2 in Huambo, 1 in Chivay and 1 in Coporaque). 37