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 December 207

2 GLOSARY STATISTICAL BULLETIN CHAPTER I Mivivienda Credit. Mivivienda credit and mortgage credit of the financial system.2 Mivivienda credit by product, financial institution and region 2 CHAPTER II Bono Familiar Habitacional 2. 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. Disbursement of Bono de Protección de Viviendas Vulnerables a los riesgos sísmicos by districts 4 CHAPTER IV Bono Mivivienda Sostenible (BMS) 4. Monthly disbursements of the Bono MiVivienda Sostenible (BMS) by districts and by IFIs 4.2 Real estate offer of certified project and to be certified

3 Chapter I MIVIVIENDA CREDIT. Mivivienda credit and mortgage credit of the financial system.2 Mivivienda credit by product, financial institution and region

4 PRODUCTOS MIVIVIENDA. 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. 22. 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 5 to 20-year financing term and a minimum down payment of 0%. 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 4 Applicable Tax Units (ATU) (S/ 56,700) to 00 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/ 00,000 financing. This credit is given in Soles, fixed rate and up to 2-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 0 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. 33. 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 DECEMBER EXECUTIVE SUMMARY - Overall Figures In December 207, 644 loans were placed, decreasing by 99 compared to November 207 and by 58 compared to December 206. In monetary terms, the amount disbursed was S/ 77 million, decreasing by S/ 9 million compared to the previous month and by S/ million compared to December 206. From January to December 207, 7 0 loans were placed, decresing by 2,% compared to the same period of 206 (8 082 loans). In monetary terms, the amount disbursed was S/ 876 million, increasing by 0,2% in relation to same period of 206 (S/ 874 million). As of December 3 th 207, the book value of the Mivivienda credit portfolio amounted to S/ 6 32 million, increasing by S/ 24 million compared to the end of November 207 and by S/ 63 million compared to December 206. By the end of December 207, there were mortgage debtors of Mivivenda credit, increasing by 273 compared to November 207 and decreasing by 363 compared to December 206. While in terms of market with data available to October of 207, the mortgage debtors of Mivivienda Credit represented approximately 36,3% of the total mortgage debtors of the financial system. The participation of Mivivienda Credit placements in the mortgage loans of the financial system (calculated as the number of Mivivienda Credit's between the number of mortgage loans in the financial system), as of November, was 2,8%, higher by 2,5 % with respect to October 207 and 3,4% higher than in November 206. On the other hand, as of November 30 th, 207, the non-performing loan rate (that measures Mivivienda credit quality portfolio of mortgage loans placed by the financial institutions to sub-borrowers) 4,2%, increasing by 3 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 205, was 3,56%, increasing by 4 basis points compared to October 207. Products In December 207, the placements of Mivivienda credit by products were: Nuevo Crédito Mivivienda (main loan product of Fondo Mivivienda) 564 credits; Financiamiento Complementario Techo Propio 75; MiConstrucción 2; MiCasa Más 2 and Mi Terreno. In monetary terms, Nuevo Crédito Mivivienda disbursed S/ 74 million; Financiamiento Complementario Techo Propio S/ 2 million; MiConstrucción S/ thousand, MiCasa Más S/ 92 thousand and Mi Terreno S/ 2 thousand. In 207, out of 7 0 Mivivienda Credit, Nuevo Crédito Mivivienda placed 6 683; Financiamiento Complementario Techo Propio 348; MiConstrucción 42; MiCasa Más 7 and Mi Terreno. Financial Intermediaries By type of financial institution, out of 644 Mivivienda credit loans placed in December 207, banks channeled 399 loans (62% of the total), mainly through BCP (22), Interbank (65) and Banco Financiero (48); the Financieras placed 2 credits (7% of the total); the Savings and Credit Municipal Savings Banks placed 86 credits (3% of the total), led by Caja Sullana with 3; and Edpyme Micasita placed 46 loans (7% of the total). Regions By geographic area, in December 207, the placements in Metropolitan Lima (provinces of Lima and Callao) were 323 (equivalent to 50% of the total), decreasing by 80 credits compared to November 207. Meanwhile, the placements in provinces (All Peru without considering Metropolitan Lima) were 32, increasing by 9 credits compared to November

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

7 Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct 60, 0 50, 0 40, 0 30, 0 20, 0 0, 0 0,0 34, 0 29, 0 24, 0 9, 0 4, 0 9,0 4,0 -,0 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART..: PLACEMENTS OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET (Number of credits disbursed) 23,3 30,2 25,2 22,6 26,8 29,0 25, 9,8 22,6 20,4 9,0 8,4 22,9 2,0 5,9 28,0 2,7 9, 4,8 6,6 20,5 7,7 9,3 2,8 Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec / Nov Dec / FMV Financial System Total FMV Participation Rate (%) Source: SBS y FMV Includes all credit modalities sponsored by FMV. / Information on Financial System is not available as the date of preparation of this bulletin. CHART..2: DISBURSED AMOUNT OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET (In thousands of S/) 8,6 3,2 0,7 8,5 2,0,2 9, 7,6 9, 7,0 8, 6,8 8,9 8,5 8,,7 5,5 8,9 6,4 8, 8,6 5,6 8,2 8,3 FMV Financial System Total FMV Participation Rate (%) Source: SBS y FMV Includes all credit modalities sponsored by FMV. / Information on Financial System is not available as the date of preparation of this bulletin. Developed by Planning, Foresight and Organizational Development Office - FMV 7

8 Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov 2/ Dec 2/ FMV STATISTICS: SITUATION AT DECEMBER 207 CHART..3: MORTGAGE PORTFOLIO BALANCE OF MIVIVIENDA CREDITS AND FINANCIAL SYSTEM (In Millions of S/) 5,3 5,3 5,2 5,4 5,4 5,4 5,4 5,3 5,3 5,3 5,4 5,3 5,3 5,4 5,3 5,4 5,3 5,2 5,2 4,9 4,9 4,8 4,7 4,6 Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2/ Mortgage Portfolio Balance of FMV / Mortgage Portfolio Balance in the Financial System FMV Mortgage Portfolio Participation in the Financial System (%) Source: SBS y FMV / 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..4: MORTGAGE DEBTORS OF MIVIVIENDA AND FINANCIAL SYSTEM (Numbers of debtors) 38,7 38,7 38,8 38,8 38,9 38,8 38,9 38,8 38,9 39,0 39,0 38,7 38,7 38,7 38,5 38,6 38,5 38,5 38,4 37,2 36,7 36,6 36,3 FMV Financial System / FMV Participation Rate (%) Source: SBS y FMV / It considers the debtor as unique if he has loans of the same type in more than one company. 2/ Information on Financial System are not availables as the preparation of this bulletin. 8 Developed by Planning, Foresight and Organizational Development Office - FMV

9 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART..5: NON-PERFORMING LOAN MORTGAGE PORTFOLIO OF FMV / AND FINANCIAL SYSTEM (In percentages) 3,84 3,94 3,98 4,07 4,06 4,09 4,2 2,58 2,43 2,28 2,20,78,83 2,72 2,75 2,79 2,80 2,36 2,37 2,40 2,43 2,02 2,00 2,00,92 2,94 3,05 3,06 2,53 2,62 2,62 2, 2,4 2,8 3,25 2,80 2,32 3,45 3,33 3,3 3,37 3,44 3,36 2,95 2,96 2,85 2,82 2,87 2,87 2,27 2,28 2,3 2,27 2,32 2,37 3,6 3,54 3,4 3,04 2,43 2,42 3,49 3,48 3,52 3,56 3,39 3,42 3,3 2,75 2,78 2,56 2,56 2,62 2,63 2,65 Nov Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec FMV FMV without CRAC Señor de Luren Financial System Mortgage Source: SBS y FMV / Non-Performing loan rate of IFI regarding Mivivienda Credit Portfolio. CHART..6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT Variation(Unit.) Products 205 Dec 7 - Oct Nov Dec Q4 Total Oct Nov Dec Q4 Total Dec 6 Nuevo Crédito Mivivienda MiConstrucción Financiamiento Complementario TP MiCasa Más MiTerreno TOTAL Nuevo Crédito Mivivienda MiConstrucción FCTP MiCasa Más MiTerreno Developed by Planning, Foresight and Organizational Development Office - FMV 9

10 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N..7: PLACEMENT OF MIVIVIENDA CREDITS, BY TYPE OF FINANCIAL INSTITUTION AND YEARS Type de IFI 2 05 (AS OF DECEMBER 3, 207) The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24) a/ Municipal Savings and Loan Institutions. b/ Micro-Enterprise Development Company. c/ Credits Unions. d/ Rural Saving and Loan Institutions. Variation(Unit.) Oct Nov Dec Q4 Total Oct Nov Dec Q4 Total Dec 7 - Dec 6 Banks CMAC a/ Finance Company Remainder Entities Edpyme b/ CAC c/ CRAC d/ Mortgage Company Others TOTAL Type de IFI Credits by Type of IFI Credit Amount by Type of IFI (In Thousands of S/) 2 06 Variation Oct Nov Dec Q4 Total Oct Nov Dec Q4 Total Dec 7 - Dec 6 Banks CMAC a/ Finance Company Remainder Entities Edpyme b/ CAC c/ CRAC d/ Mortgage Company Others TOTAL CHART..6: PLACEMENTS OF MIVIVIENDA CREDITS BY TYPE OF IFI AND IN ACCORDANCE TO IFI Placements of Mivivienda credits per type of IFI - December, Part. % % Banco 7% Financiera 46 Banco Financiera CMAC* Edpyme CRAC** CRAC** 0,2% 7% Edpyme 3% CMAC* Placements of Mivivienda credits per IFI - December, Part. % Financiera TFC 5% Interbank 0% Crédito 96 Financiera TFC Interbank Financiero Edpyme MiCasita CMAC Huancayo 38 BIF 3 CMAC Sullana 64 Otras IFIs Crédito 33% CMAC Sullana 5% BIF 6% Financiero 7% Edpyme MiCasita; 7% CMAC Huancayo 7% Note (*) CMAC: Municipal Saving and Loan Institutions. Note (**) CRAC: Rural Saving and Loan Institutions. Developed by Planning, Foresight and Organizational Development Office - FMV 0

11 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART..8: PLACEMENTS OF MIVIVIENDA CREDITS ACCORDING TO METROPOLITAN LIMA / AND PROVINCES Mivivienda credits according to Metropolitan Lima and Provinces Provinces Metropolitan Lima Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Mivivienda credits according to Metropolitan Lima and Provinces (Part. %) 47% 43% 47% 46% 38% 35% 38% 4% 40% 47% 45% 46% 50% Provinces 53% 57% 53% 54% 62% 65% 62% 59% 60% 53% 55% 54% 50% Metropolitan Lima Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec / Metropolitan Lima considers the provinces of Lima and Callao. CHART..9: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION MIVIVIENDA CREDITS BY REGION - DECEMBER 207 GEOGRAPHICAL DISTRIBUTION OF CREDITS MIVIVIENDA, DECEMBER 207 The brighter colors indicate greater number of placements. Developed by Planning, Foresight and Organizational Development Office - FMV

12 .2 Mivivienda credit by product, financial institution and region.2 Mivivienda credit by product, financial institution and region 2

13 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.: DISBURSEMENTS OF MIVIVIENDA CREDITS AS OF DECEMBER 3, 207 a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). Year MIVIVIENDA Tradicional TABLE N.2.2: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT c/ AS OF DECEMBER 3, 207 Finananciamiento Complementario TP Year Number Credits Disbursed Amount c/ (In thousands of de S/) TOTAL Number Accumulated Amount c/ (In thousands of de S/) 999 a/ b/ Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Number of credits disbursed Nuevo Crédito MIVIVIENDA a/ From July 999. b/ Accumulated from January to December. c/ The periods of placement of Mivivienda Credits of the previous table are the following c. 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 204 -up to the present. MiConstrucción MICASA MÁS MITERRENO Total TOTAL a/ b/ Developed by Planning, Foresight and Organizational Development Office - FMV

14 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF DECEMBER 3, 207 Year MIVIVIENDA Tradicional Finananciamiento Complementario TP Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Thousands of S/ c/ Nuevo Crédito MIVIVIENDA a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). MiConstrucción MICASA MÁS MITERRENO Total TOTAL a/ b/ TABLE N.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF DECEMBER 3, 207 Destination Product a/ From July 999. b/ Accumulated from January to December a/ b/ Total TOTAL Vivienda en construcción MIVIVIENDA Tradicional Cred. Complementario TP Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Nuevo Crédito MIVIVIENDA 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 Cred. Complementario TP Cobertura de Riesgo - PBP MIVIVIENDA Estandarizado MiHOGAR Nuevo Crédito MIVIVIENDA MICASA MÁS MiConstrucción MiConstrucción Nuevo Crédito MIVIVIENDA MiConstrucción Nuevo Crédito MIVIVIENDA Developed by Planning, Foresight and Organizational Development Office - FMV 4

15 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.5: PLACEMENTS OF MIVIVIENDA CREDITS, ACCORDING TO TYPE AND FINANCIAL ENTITY AS OF DECEMBER 3, 207 Type of IFI IFI a/ b/ Total TOTAL Bank CAC c/ CMAC d/ CRAC e/ Edpyme f/ Finance Company Mortgage Company Banco Falabella BIF Comercio Continental Crédito Financiero Interbank Mi Banco Scotiabank Sudamericano Trabajo Wiese Sudameris Banco GNB Peru AELUCOOP CAC Abaco CAC Pacífico CAC San Francisco CAC San Martín de Porres CAC Santa María Magdalena La Rehabilitadora Prestasur CAC Quillacoop Caja Metropolitana CMAC Huancayo CMAC Ica CMAC Maynas CMAC Paita CMAC Piura CMAC Sullana 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 Crac Raíz Edpyme Confianza Edpyme Crear Arequipa Edpyme Edyficar Edpyme MiCasita Edpyme Nueva Visión Financiera CMR Financiera Confianza Financiera Efectiva Financiera Solución Financiera TFC Hipotecaria SURA Number of credits disbursed Other Hipotecaria SURA g/ a/ From July 999. b/ Accumulated from January to December. 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). Developed by Planning, Foresight and Organizational Development Office - FMV 5

16 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION AND ACCORDING TO THE TYPE OF PRODUCT AS OF DECEMBER 3, 207 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 AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI CHART N.2.: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION (As of December 3, 207) 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 Developed by Planning, Foresight and Organizational Development Office - FMV

17 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.7: PLACEMENTS OF MIVIVIENDA BY REGION AND ACCORDING TO THE TYPE OF PRODUCT a/ Accumulated from January to December a/ TOTAL AMAZONAS Nuevo Crédito MIVIVIENDA ANCASH Cred. Complementario TP MICONSTRUCCION MITERRENO Nuevo Crédito MIVIVIENDA APURIMAC Nuevo Crédito MIVIVIENDA 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 MICONSTRUCCION Nuevo Crédito MIVIVIENDA HUANUCO Nuevo Crédito MIVIVIENDA LAMBAYEQUE 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 AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA ICA JUNIN LA LIBERTAD 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 Developed by Planning, Foresight and Organizational Development Office - FMV

18 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.8: DISBURSEMENTS OF MIVIVIENDA CREDITS IN THE FINANCIAL SYSTEM, BY REGION AND YEARS (AS OF DECEMBER 3, 207) Number of credits per year Region a/ b/ TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI Total Amount per year (In thousands of S/) c/ Region a/ b/ TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI Total a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). 8 Developed by Planning, Foresight and Organizational Development Office - FMV

19 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.8.: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM BANKS, BY REGION AND YEARS (AS OF DECEMBER 3, 207) Number of credits per year Amount per year (In thousands of S/) c/ Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC AREQUIPA AREQUIPA AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA CALLAO CALLAO CUSCO CUSCO HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO ICA ICA JUNIN JUNIN LA LIBERTAD LA LIBERTAD LAMBAYEQUE LAMBAYEQUE LIMA LIMA LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA PASCO PASCO PIURA PIURA PUNO PUNO SAN MARTIN SAN MARTIN TACNA TACNA TUMBES TUMBES UCAYALI UCAYALI Total Total a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). TABLE N.2.8.2: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM MUNICIPAL SAVINGS, BY REGION AND YEARS (AS OF DECEMBER 3, 207) Number of credits per year Amount per year (In thousands of S/) c/ Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC AREQUIPA AREQUIPA AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA CALLAO CALLAO CUSCO CUSCO HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO ICA ICA JUNIN JUNIN LA LIBERTAD LA LIBERTAD LAMBAYEQUE LAMBAYEQUE LIMA LIMA LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA PASCO PASCO PIURA PIURA PUNO PUNO SAN MARTIN SAN MARTIN TACNA TACNA TUMBES TUMBES UCAYALI UCAYALI Total Total a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). 9 Developed by Planning, Foresight and Organizational Development Office - FMV

20 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N.2.8.3: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM FINANCE COMPANY, BY REGION AND YEARS (AS OF DECEMBER 3, 207) Number of credits per year Amount per year (In thousands of S/) c/ Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC AREQUIPA AREQUIPA AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA CALLAO CALLAO CUSCO CUSCO HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO ICA ICA JUNIN JUNIN LA LIBERTAD LA LIBERTAD LAMBAYEQUE LAMBAYEQUE LIMA LIMA LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA PASCO PASCO PIURA PIURA PUNO PUNO SAN MARTIN SAN MARTIN TACNA TACNA TUMBES TUMBES UCAYALI UCAYALI Total Total a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). TABLE N.2.8.4: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM OTHER CATEGORIES, BY REGION AND YEARS (AS OF DECEMBER 3, 207) Number of credits per year Amount per year (In thousands of S/) c/ Region a/ b/ TOTAL Region a/ b/ TOTAL AMAZONAS AMAZONAS ANCASH ANCASH APURIMAC APURIMAC AREQUIPA AREQUIPA AYACUCHO AYACUCHO CAJAMARCA CAJAMARCA CALLAO CALLAO CUSCO CUSCO HUANCAVELICA HUANCAVELICA HUANUCO HUANUCO ICA ICA JUNIN JUNIN LA LIBERTAD LA LIBERTAD LAMBAYEQUE LAMBAYEQUE LIMA LIMA LORETO LORETO MADRE DE DIOS MADRE DE DIOS MOQUEGUA MOQUEGUA PASCO PASCO PIURA PIURA PUNO PUNO SAN MARTIN SAN MARTIN TACNA TACNA TUMBES TUMBES UCAYALI UCAYALI Total Total a/ From July 999. b/ Accumulated from January to December. c/ The credits granted in Dollars from 999 to 2009 were converted into Soles with the exchange rate as of the closure of December 207 (S/ 3,24). 20 Developed by Planning, Foresight and Organizational Development Office - FMV

21 Chapter II BONO FAMILIAR HABITACIONAL (BFH) 2. 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. 2. Bono de reconstrucción (RCT) It is a subsidy granted to the affected families that present collapsed or uninhabitable homes due to the occurrence of rain and associated hazards, due to the El Niño Coastal Phenomenon of the year 207. This bonus is granted in the zones declared in emergency, which are made up of 23 districts located in the departments of Áncash, La Libertad, Lambayeque, Lima and Piura. 3. 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. 4. 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. 55. 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 DECEMBER EXECUTIVE SUMMARY - Products and Modalities In December 207, 85 bonuses of Bono Familiar Habitacional (BFH) were granted. In monetary terms, S/ 56 million were disbursed in December 207. By Modalities: Construction on Owned Land (main bonus mechanism) granted 683 bonuses (equivalent to S/ 7,3 million); New Housing Acquisition 54 bonuses (equivalent to S/ 38,6 million); and Housing Improvement granted 4 bonuses (equivalent to S/ 32 thousand). Of the total bonuses in the Construction on Owned Land modality, 463 correspond to Reconstruction Bonus (equivalent to S/ 0,2 million) granted to families affected by the El Niño Costero phenomenon. In 207, bonuses were granted (equivalent to S/ 583 million), decreasing by compared with 206 (equivalent to S/ 40 million). Regions In 207, the 5 regions most benefited were: La Libertad with 5 277, Piura 4 879, Ica 4 005, Lambayeque y San Martín 2 099; which together represent 70% of BFHs granted in the year. The regions with Reconstruction Bonuses (RCT) were: Lambayeque with 382, Piura with 765, La Libertad with 322, Lima with 226 and Áncash with 53. Authorized Centers and Signed Agreements As of December 3 th, 207, the total authorized Centers nationwide was 074, increasing by 2 compared to November 207. The regions with the largest number of centers authorized to date are: Ayacucho with 99, Junín with 96, Arequipa 83 and San Martín 79. There were variations with respect to November in La Libertad (+), and Ica (+). Meanwhile, the number of agreements signed at the national level is 097, remaining constant since October 206. Thus, as of December 3 th, 207, the regions with the largest number of signed agreements were: Junín with 0, Ayacucho 03, Arequipa 95 and Cusco 87. There were no variations compared to November. Technical Entities As of December 3 th 207, the number of current technical entities was 567, increasing by 6 with respect to November 207. The regions that had variations in the number of technical entities were: La Libertad (+2), Lima (+5), Piura (-2), Áncash (+), Loreto (+) y Ayacucho (-). 23

24 2. Monthly disbursement of Bono Familiar Habitacional by modality and region 2. Monthly disbursement of Bono Familiar Habitacional by modality and region 24

25 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART 2..: NUMBER AND AMOUNT OF BFH / (Number of bonus disbursed and millions of soles) Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Number Amount (Millions of S/) Note: / The total of disbursements of the Bono Familiar Habitacional (BFH) includes the Reconstruction of Housing Bonuses (RCT). CHART 2..2: NUMBER OF BFH BY MODALITY 2/ (Number of bonus disbursed) Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Construction on Owned Land New Housing Acquisition Housing Improvement Note: 2/ The bonuses for Reconstruction (RCT) are included in the Construction in Own Situation (CSP) modality. 25 Developed by Planning, Foresight and Organizational Development Office - FMV

26 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2..3: NUMBER AND AMOUNT OF BFH BY MODALITY Bono Familiar Habitacional by modality (In Units) Products 2 05 Variation(Unit.) Oct Nov Dec Q4 Total Oct Nov Dec Q4 Total Dec 7 - Dec 6 New Housing Acquisition Construction o Owned Land Housing Improvement Total Bono Familiar Habitacional by modality ( In Thousands of S/) Products 2 05 Variation Oct Nov Dec Q4 Total Oct Nov Dec Q4 Total Dec 7 - Dec 6 New Housing Acquisition Construction o Owned Land Housing Improvement Total CHART 2..4: NUMBER AND AMOUNT OF BFH BY REGION 3/ (Updated to December 3, 207) NUMBER OF BFH BY REGION, DECEMBER 207 GEOGRAPHICAL DISTRIBUTION OF THE BFH, DECEMBER 207 3/ The brighter colors indicate larger disbursements of BFH. 26 Developed by Planning, Foresight and Organizational Development Office - FMV

27 Region Province District Oct. Nov. Dec. TOTAL CASMA CASMA HUARMEY HUARMEY ÁNCASH CHIMBOTE SANTA COISHCO NUEVO CHIMBOTE ASCOPE ASCOPE EL PORVENIR TRUJILLO LA LIBERTAD VICTOR LARCO HERRERA VIRU CHAO VIRU BARRANCA SUPE LIMA HUARAL HUARAL LIMA LURIGANCHO MORROPON CHULUCANAS PAITA PAITA PIURA CASTILLA PIURA CATACAOS CURA MORI CHICLAYO CHICLAYO FERREÑAFE FERREÑAFE LAMBAYEQUE MOCHUMI LAMBAYEQUE MORROPE TUCUME Total FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2..3: NUMBER AND AMOUNT OF BFH BY MODALITY Number of disbursements (Updated to December 3, 207) Amount of disbursements (thousands of S/.) Region Province District Oct. Nov. Dec. TOTAL CASMA CASMA HUARMEY HUARMEY ÁNCASH CHIMBOTE SANTA COISHCO NUEVO CHIMBOTE ASCOPE ASCOPE EL PORVENIR TRUJILLO LA LIBERTAD VICTOR LARCO HERRERA VIRU CHAO VIRU BARRANCA SUPE LIMA HUARAL HUARAL LIMA LURIGANCHO MORROPON CHULUCANAS PAITA PAITA PIURA CASTILLA PIURA CATACAOS CURA MORI CHICLAYO CHICLAYO FERREÑAFE FERREÑAFE LAMBAYEQUE MOCHUMI LAMBAYEQUE MORROPE TUCUME Total GRÁFICO 2..4: BONUS FOR RECONSTRUCTION ACCORDING REGIONS 4/ (Updated to December 3, 207) DISBURSEMENT OF BONUS FOR RECONSTRUCTION ACCORDING TO REGION DISBURSEMENT OF BONUS FOR RECONSTRUCTION ACCORDING TO REGION Regions with Bonus RCT Regions without Bonus RCT Number of Bonus RCT 4/ The zones declared in emergency to receive the reconstruction bonds were: Ancash, La Libertad, Lambayeque, Lima, Lima provinces and Piura. As of December, reconstruction bonds have been disbursed in Piura, Lambayeque, Áncash, La Libertad and Lima. 27 Developed by Planning, Foresight and Organizational Development Office - FMV

28 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

29 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2.2.: DISBURSEMENTS OF BFH AS OF DECEMBER 3, 207 Year Number Bonus Disbursed a/ From July 999. b/ Accumulated from January to December. Amount (In thousands of de S/) TOTAL Accumulated Amount Number (In thousands of de S/) 2003 a/ b/ TABLE N 2.2.2: PLACEMENTS OF BFH BY YEARS AND BY MODALITY c/, AS OF DECEMBER 3, 207 Year Construction on Owned Land New Housing Acquisition Housing Improvement Total Number of bonus disbursed TOTAL a/ b/ CHART 2.2.: NUMBER OF BFH PER YEARS (As of December 3, 207) a/ b/ a/ From August b/ Accumulated from January to December. 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 Developed by Planning, Foresight and Organizational Development Office - FMV

30 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2.2.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR BY MODALITY AS OF DECEMBER 3, 207 Year Construction on Owned Land New Housing Acquisition Housing Improvement Total TOTAL a/ b/ a/ From July 999. b/ Accumulated from January to December. Thousands of de S/ CHART 2.2.2: AMOUNT DISBURSED OF BFH PER YEAR (Thousands of S/, as of December 3, 207) a/ b/ a/ From July 999. b/ Accumulated from January to December. CHART 2.2.3: AMOUNT DISBURSED OF BFH BY MODALITY (Thousands of S/, as of December 3, 207) a/ b/ Construction on Owned Land New Housing Acquisition Housing Improvement a/ From August b/ Accumulated from January to December. Developed by Planning, Foresight and Organizational Development Office - FMV 29

31 a/ From July 999. b/ Accumulated from January to December. FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2.2.4: NUMBER OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF DECEMBER 3, 207 Region 2003 a/ b/ Total Number of bonus disbursed TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI CHART 2.2.4: BFH DISBURSEMENTS BY REGION (As of December 3, 207) ICA LA LIBERTAD PIURA LIMA SAN MARTIN LAMBAYEQUE ANCASH CALLAO JUNIN AREQUIPA AYACUCHO HUANCAVELICA AMAZONAS LORETO CAJAMARCA PUNO HUANUCO UCAYALI TACNA CUSCO APURIMAC TUMBES MOQUEGUA PASCO MADRE DE DIOS Developed by Planning, Foresight and Organizational Development Office - FMV

32 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2.2.5: AMOUNT OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF DECEMBER 3, 207 Region 2003 a/ b/ Total Thousands of S/ TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI a/ From July 999. b/ Accumulated from January to December. CHART 2.2.5: AMOUNT DISBURSED OF BFH BY REGION (Thousands of S/, as of December 3, 207) ICA LA LIBERTAD PIURA LIMA SAN MARTIN LAMBAYEQUE ANCASH CALLAO JUNIN HUANCAVELICA AYACUCHO AREQUIPA LORETO AMAZONAS CAJAMARCA PUNO UCAYALI HUANUCO APURIMAC TACNA CUSCO TUMBES MOQUEGUA PASCO MADRE DE DIOS Developed by Planning, Foresight and Organizational Development Office - FMV

33 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE N 2.2.6: NUMBER OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF DECEMBER 3, 207 Region Construction on Owned Land New Housing Acquisition Housing Improvement Total Number of bonus disbursed TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI TABLE N 2.2.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF DECEMBER 3, 207 Region Construction on Owned Land New Housing Acquisition Housing Improvement Total Thousands of S/ TOTAL AMAZONAS ANCASH APURIMAC AREQUIPA AYACUCHO CAJAMARCA CALLAO CUSCO HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO PIURA PUNO SAN MARTIN TACNA TUMBES UCAYALI Developed by Planning, Foresight and Organizational Development Office - FMV

34 2.3 Authorized Centers, Signed Agreements and Technical Entities 2.3 Authorized Centers, Signed Agreements and Technical Entities 33

35 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART 2.3.: SIGNED AGREEMENTS AND AUTHORIZED CENTERS, BY REGION (UPDATED AS OF DECEMBER 3, 207) AYACUCHO JUNIN AREQUIPA SAN MARTIN CUSCO HUANCAVELICA PUNO LA LIBERTAD HUANUCO ICA CAJAMARCA LAMBAYEQUE PIURA APURIMAC LIMA AMAZONAS TACNA ANCASH MOQUEGUA PASCO LORETO TUMBES MADRE DE DIOS UCAYALI CALLAO AUTHORIZED CENTERS SIGNED AGREEMENTS Total of Authorized Centers:,074 Total of Signed Agreements:, Regional Coordination Bureau CHART 2.3.2: NUMBER OF CURRENT TECHNICAL ENTITIES BY REGION CURRENT TECHNICAL ENTITIES BY REGION (UPDATED AS OF DECEMBER 3, 207) TECHNICAL ENTITIES BY REGION LA LIBERTAD 84 LIMA ICA SAN MARTIN PIURA ANCASH LAMBAYEQUE JUNIN CAJAMARCA AMAZONAS CALLAO CUSCO HUANUCO LORETO APURIMAC AREQUIPA AYACUCHO MADRE DE DIOS Total Number: 567 MOQUEGUA PASCO Social and Building Project Management Regionswith ET Regions without ET Number of Technical Entities 34 Developed by Planning, Foresight and Organizational Development Office - FMV

36 Chapter III BONO DE PROTECCIÓN DE VIVIENDAS VULNERABLES A LOS RIESGOS SÍSMICOS (Housing Protection against Seismic Risk Bonus) 3. Disbursement of Bono de Protección de Viviendas Vulnerables a los riesgos sísmicos by districts

37 -EXECUTIVE SUMMARY- Bono de Protección de Viviendas Vulnerables a los Riesgos Sísmicos (BPVVRS) / In December 207, 6 bonuses were granted, decreasing by 20 compared with November 207. In Lima, the only district benefited was Ventanilla (6). On the other hand, there were no disbursements in Arequipa. In monetary terms, the amount disbursed for the month of December was S/ 90 thousand. Since the beginning of the program, 3 22 bonuses were granted, equivalent in monetary terms to S/ 48,4 million. The districts most benefited were San Juan de Lurigancho, Comas, Villa María del Triunfo and Ate with 792, 555, 386 and 336 bonuses, respectively. LIMA AREQUIPA Year Month TABLE 3.: NUMBER OF BPVVRS DISBURSEMENTS BY DISTRICTS AS OF DECEMBER 3, 207 Number of bonus disbursed Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec ANCON ATE CARABAYLLO CHORRILLOS COMAS EL AGUSTINO INDEPENDENCIA LIMA PUENTE PIEDRA RIMAC SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES VILLA EL SALVADOR VILLA MARIA DEL TRIUNFO VENTANILLA ACHOMA CABANACONDE TOTAL CHIVAY COPORAQUE HUAMBO ICHUPAMPA LARI MADRIGAL TAPAY TUTI YANQUE TOTAL LIMA AREQUIPA Year Month TABLE 3.2: AMOUNT OF BPVVRS DISBURSEMENTS BY DISTRICTS AS OF DECEMBER 3, 207 Thousands of S/ Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec ANCON ATE CARABAYLLO CHORRILLOS COMAS EL AGUSTINO INDEPENDENCIA LIMA PUENTE PIEDRA RIMAC SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES VILLA EL SALVADOR VILLA MARIA DEL TRIUNFO VENTANILLA ACHOMA CABANACONDE TOTAL CHIVAY COPORAQUE HUAMBO ICHUPAMPA LARI MADRIGAL TAPAY TUTI YANQUE / The BPVVRS applies only in Lima Metropolitan and Arequipa. In Lima the beneficiary districts are: Comas, Carabayllo, Chorrillos, El Agustino, Independencia, Lima, Puente Piedra, Rímac, San Juan de Lurigancho, Villa el Salvador, Ventanilla, Ate, San Juan de Miraflores, Villa María del triunfo, Pachacamac y Ancón. While in Arequipa, Caylloma province, the beneficiary districts are: Chivay, Ichupampa, Achoma, Yangue, Maca, Madrigal, Coporaque, Lari, Tuti, Cabanaconde, Huambo y Tapay. Developed by Planning, Foresight and Organizational Development Office - FMV 2 07 TOTAL 36

38 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART 3.: BPVVRS DISBURSEMENTS AS OF DECEMBER 3, Dec Jan 206 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 207 Number Amount in thousands of S/ Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec CHART 3.2: BPVVRS DISTRIBUTION, BY DISTRICTS AS OF DECEMBER 3, 207 BONUSES DISBURSED IN THE DISTRICTS OF THE LIMA REGION GEOGRAPHICAL DISTRIBUTION OF THE BONUSES DISBURSED SAN JUAN DE LURIGANCHO 792 COMAS 555 VILLA MARIA DEL TRIUNFO 386 ATE 336 CARABAYLLO 303 VENTANILLA 90 PUENTE PIEDRA 90 SAN JUAN DE MIRAFLORES 0 INDEPENDENCIA 76 EL AGUSTINO 22 ANCON RIMAC 3 VILLA EL SALVADOR CHORRILLOS LIMA Number of BPVVRS Districts with BPVVRS Districts without BPVVRS In December 207, there were not disbursements in Arequipa. 37 Developed by Planning, Foresight and Organizational Development Office - FMV

39 Chapter IV BONO MIVIVIENDA SOSTENIBLE (BMS) 4. Monthly disbursements of the Bono MiVivienda Sostenible (BMS) by districts and by IFIs 4.2 Real estate offer of certified project and to be certified

40 . Bono Mivivienda Sostenible (BMS) The Bono Mivivienda Sostenible (BMS) is an attribute of the Mivivienda Credit, which consists of direct non-reimbursable financial assistance granted to people who access sustainable housing with the Mivivienda Credit, through the Financial Institutions. The objective of the BMS is to encourage and promote the acquisition of housing that helps reduce the environmental impact. Hence, the bonus is awarded to homes whose projects have been certified as sustainable, which can be grade or 2 depending on the attributes presented by the projects. 23. Sustainable Certified Projects A project qualifies as sustainable if it meets the sustainability requirements, which are a function of the project's location and eligibility criteria. The certification is carried out by the FMV with the support of an external verifying entity, who issues the Sustainable Project certificate. 33. Location requirements The project must be located less than 55km from the center of the city and have more than 00 thousand inhabitants. If it is located in other regions, it must be less than 30 km away and have more than 50 thousand inhabitants. 4. Eligibility Criteria Through the eligibility criteria, the projects are grade or 2. A project will be considered grade, if they are made up of homes that present energy-saving technologies for water and energy consumption, consider a bioclimatic architecture, account with proper waste management and training for the families that will purchase the homes. Meanwhile, a project is sustainable grade 2 if in addition to meeting the requirements outlined above, the project has a gray water treatment plant. 40

41 -EXECUTIVE SUMMARY- Bono Mivivienda Sostenible (BMS) In December 207, a total of 20 disbursements of BMS were registered, equivalent in monetary terms to S/ 74 thousand. To date, only BMS disbursements of real estate projects have been submitted in the Lima region, such is the case that, in the month of December, the benefited districts were: Ate with BMS (equivalent to S/ 4 thousand), Chorrillos with 2 BMS (equivalent to S/ 9 thousand), Comas with 9 BMS (equivalent to S/ 23 thousand), Cercado de Lima (Lima) with 2 BMS (equivalent to S/ 0 thousand) and San Juan de Lurigancho with 6 BMS (equivalent to S/ 27 Mil). Since the beginning of the sustainable housing program, a total of 33 bonuses have been awarded for an amount equivalent to S/ 676 thousand, with the districts benefiting the most: Cercado de Lima with 73 BMS, Chorrillos with 29 BMS, Comas with 6 BMS, Ate with 7 BMS, San Juan de Lurigancho with 7 BMS and San Juan de Miraflores with BMS. Financial Intermediaries By type of financial institution, of the 33 BMS disbursed as of December, banks disbursed 2 BMS (84% of the total), mainly through Financiero (62 BMS) and Interbank (29 BMS); the Edpymes disbursed a total of 20 BMS (5% of the total), mainly by Edpyme Micasita (20 BMS); and finally, the Financiers disbursed only BMS (% of the total) through Financiera TFC. Certified Projects and to Certify As of December 3, there are 07 real estate developers with 09 certified sustainable projects that made a total of 4 26 sustainable housing offers. The number of certified sustainable projects increasing by compared to November 207, in this sense, the real estate companies with the highest sustainable housing offer were: VIVA GyM ( 680 u.), Inmobiliaria RUTTINI (858 u.) And BESCO (788 u.). Also, there are a total of 09 real estate developers with 3 sustainable projects in the process of certification, which adds an offer of homes. The main real estate companies with the greatest offer of sustainable housing are: ALTOZANO, ( 760 u.), AN INMOBILIARIA ( 025 u.), VIVA GyM (634), LEADER (360 u.) and CISSAC (346 u. ). 4

42 4. Monthly Disbursements of Bono MiVivienda Sostenible (BMS) by districts and by IFIs 4. Monthly disbursements of the Bono MiVivienda Sostenible (BMS) by districts and by IFIs

43 FMV STATISTICS: SITUATION AT DECEMBER 207 TABLE 4..: NUMBER OF BMS DISBURSEMENTS / (Updated to December 3, 207) LIMA Province / District Certified projects TOTAL Jul Aug Sep Oct Nov Dec TOTAL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TOTAL ATE SOL DE SANTA CLARA CHORRILLOS COMAS LIMA SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES TOTAL ALAMEDA LAS GAVIOTAS CONDOMINIO ALAMEDA LAS GAVIOTAS ALBORADA CLUB RESIDENCIAL LOS NOGALES LOS GIRASOLES IV VILLA LOS MOLLES CONDOMINIO PASEO COLONIAL EDIFICIO MULTIFAMILIAR CONDOMINIO COLONIAL EDIFICIO MULTIFAMILIAR PASEO COLONIAL PASEO COLONIAL PASEO COLONIAL-PROYECTO SOSTENIBLE PROYECTO SOSTENIBLE PASEO COLONIAL RESIDENCIAL PARQUE INRESA LAS TERRAZAS DEL SOL LAS TERRAZAS DEL SOL LIMA TABLE 4..2: AMOUNT OF BMS DISBURSEMENTS (Thousands of S/) (Updated to December 3, 207) Province / District Certified projects TOTAL Jul Aug Sep Oct Nov Dec TOTAL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TOTAL ATE SOL DE SANTA CLARA CHORRILLOS COMAS LIMA SAN JUAN DE LURIGANCHO SAN JUAN DE MIRAFLORES TOTAL ALAMEDA LAS GAVIOTAS CONDOMINIO ALAMEDA LAS GAVIOTAS ALBORADA CLUB RESIDENCIAL LOS NOGALES LOS GIRASOLES IV VILLA LOS MOLLES CONDOMINIO PASEO COLONIAL EDIFICIO MULTIFAMILIAR CONDOMINIO COLONIAL EDIFICIO MULTIFAMILIAR PASEO COLONIAL PASEO COLONIAL PASEO COLONIAL-PROYECTO SOSTENIBLE PROYECTO SOSTENIBLE PASEO COLONIAL RESIDENCIAL PARQUE INRESA LAS TERRAZAS DEL SOL LAS TERRAZAS DEL SOL Note: / The BMS can be granted in addition to the Family Housing Bonus (BFH), Good Payer Bonus (BBP) and / or Good Payer Award (PBP) as a complement to the initial fee, provided that it complies with the conditions established in its regulations. 43 Elaboration: Office of Planning, Prospective and Organizational Development - FMV

44 FMV STATISTICS: SITUATION AT DECEMBER 207 CHART 4..: PLACEMENTS OF BONO MIVIVENDA SOSTENIBLE (BSM) (Updated to December 3, 207) Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Amount (Thousands of S/) Number of BMS CHART 4..2: DISTRIBUTION OF BMS IN METROPOLITAN LIMA, ACCORDING TO DISTRICTS (Updated to December 3, 207) DISTRIBUTION OF BMS IN METROPOLITAN LIMA, ACCORDING TO DISTRICTS, TO DECEMBER 207 GEOGRAPHICAL DISTRIBUTION OF BMS IN METROPOLITAN LIMA, ACCORDING TO DISTRICTS, TO DECEMBER 207 Total: 33 Disbursements ANCÓN LIMA 73 CARABAYLLO CHORRILLOS 29 PUENTE PIEDRA COMAS 6 VENTANILLA INDEPENDENCIA COMAS SAN JUAN DE LURIGANCHO RÍMAC ATE 7 LIMA EL AGUSTINO ATE SAN JUAN DE MIRAFLORES 7 SAN JUAN DE MIRAFLORES CHORRILLOS VILLA MARÍA DEL TRIUNFO SAN JUAN DE LURIGANCHO VILLA EL SALVADOR Number of BMS Districts with BMS Districts without BMS Note: The BMS is a program of national scope and requests, as a requirement of eligibility for sustainable housing projects, that projects located in the Lima region must be less than 55 km from the city center, and that it also has more than inhabitants; On the other hand, for projects located in other regions of Peru, it is required to be less than 30 km from the center of the city, and also to have more than inhabitants. At present, all the projects with BMS disbursements reached belong to the Lima region, however, there are real estate projects within the country in the certification stage (Chiclayo and Ica). Elaboration: Office of Planning, Prospective and Organizational Development - FMV 44