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Fondo Mivivienda S.A. Principal Supporter of Housing in Peru
Index
CHAPTER I MIVIVIENDA CREDITS 1.1 Glossary Page 4 1.2 Executive Summary Page 5 1.3 Overall Figures Page 6 1.4 Products, Financial Institutions and Regions Page 11
CHAPTER II
BONO FAMILIAR HABITACIONAL: Housing Government Bonus 2.1 Glossary Page 22 2.2 Executive Summary Page 23 2.3 Overall Figures Page 24 2.4 Disbursements, Modalities and Regions Page 27 2.5 Authorized Centers, Signed Agreements and Technical Entities Page 34 CHAPTER III BONO DE PROTECCIÓN DE VIVIENDAS VULNERABLES A LOS RIESGOS SÍSMICOS: Housing Protection against Seismic Risk Bonus 3.1 Executive Summary Page 36 3.2 Disbursements in numbers and amounts Page 36
2
CHAPTER I
3
MIVIVIENDA PRODUCTS
- GLOSSARY -
1. Mortgage Credit Contract whereby a financial institution grants a credit to a person in order to acquire, build, improve or expand a house. That credit will be paid in terms and conditions agreed between and among the parties, providing real estate as guarantee. 2. Mivivienda Credits Mortgage Credits financed by Intermediate Financial Institutions (IFI) with Fondo Mivivienda S.A (FMV) resources. Mivivienda Credits consist on: Nuevo Crédito Mivivienda, MiConstrucción, Financiamiento Complementario Techo Proprio, MiCasa Más and MiTerreno. A brief summary regarding the current products is shown, as follows:
Nuevo Crédito Mivivienda: Mortgage credit given in Soles, fixed rate and 10 to 20-year financing term and a minimum down payment of 10%. This credit may finance the purchase of completed, in construction or in project houses that are of first sale or second use houses, which value ranges from 14 Applicable Tax Units (ATU) (S/ 55,300) to 70 ATU (S/ 276,500). MiConstrucción: Mortgage credit which allowing the real estate’s owner to build, extend, improve or acquire a house with up to S/ 100,000 financing. This credit is given in Soles, fixed rate and up to 12-year financing term and prepayments without penalties may be performed. Financiamiento Complementario Techo Propio: Mortgage credit related to Techo Propio Program, given by a financial institution to cover the differential between the house’s value to be acquired, built or improve and the family savings made along with the subsidy granted by the State. MiCasa Más: Mortgage credit given in Soles, fixed rate and 10 to 20-year financing term, with the possibility to make total or partial payments in advance. This credit allows the purchase of completed, in construction or in project houses, as long as they are of first sale or second use houses. The loan amount ranges from S/ 45,000 to S/ 270,000, with a minimum down payment of 20%, and the fee slippage of payment schedule in a chance occurrence or force majeure suspending temporally the income source. MiTerreno: Mortgage credit allowing the purchase of urban, private or public land for housing or workshop housing, which loan amount is up to S/ 50,000, with a minimum down payment of 30% of the land’s value. This credit is given in Soles, with fixed rate and up to 8-year financing term.
3. Intermediate Financial Institutions (IFI) Financial System Companies that operate under the supervision of the Superintendencia de Banca, Seguros y AFP (SBS) and fullfill FMV's requirements. 4. Mortgage Delinquency The percentage of direct credits in default or in judicial collection regarding total credits. The mortgage delinquency rate of Mivivienda Credits presented in this bulletin measures the quality of Mivivienda Credits portfolio from IFI's in relation to sub-borrowers.
4
MIVIVIENDA PRODUCTS: SITUATION AT SEPTEMBER 2016
- EXECUTIVE SUMMARY -
5
Overall Figures In September 2016, 686 loans were placed, increasing by 54 compared to August’s placements. In monetary terms, the amount disbursed in September reached S/ 71 million, increasing by S/ 1.6 million increase compared to August 2016. From January to September 2016, Mivivienda Credit´s placements were 6 212, decreasing by 455 (7%) in contrast to the same period of last year. In monetary terms, the amount disbursed was S/ 670 million, decreasing by S/ 66 million (9%) compared to the same period last year. From January to August 2016, the share of Mivivienda Credit´s of the placements of the mortgage finance system (calculated as the number of Mivivienda Credit´s between the mortgage loans in the financial system) was 25% up one percentage point compared to the share observed in the same period last year. As of September 30th, 2016, the book value of the Mivivienda Credit portfolio amounted to S/ 6 152 million, decreasing by 7.4% compared to the end of August 2015 and contracted 0, 4% from the end of August 2016. On the other hand, as of September 30th, 2016, the non-performing loan rate (that measures Mivivienda Credit quality portfolio of mortgage loans placed by the IFIs to sub-borrowers FMV) was 3.25% increasing 0.19 percentage 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, increased by 0.18 percentage points to 2.8%. Products In September, the placements by products were: New Credit Mivivienda (main loan product) were 672 credits; MiConstrucción 2 credits; MiCasa Mas 2 credits; Financiamiento Complementario Techo Propio 10 and MiTerreno was not granted. In monetary terms: New Credit Mivivienda disbursed S/ 700.6 million; MiConstrucción S/ 70 000; MiCasa Mas S/ 249 000; and Financiamiento Complementario Techo Propio S / 215 000. Financial Intermediaries Also, by type of financial institution, out of 686 Creditos Mivivienda loans, 411 were channeled through bank (60% of the total), mainly through BCP (163), Banco Financiero (71) and Interbank (62); 115 credits were channeled through Municipal Saving and Loan Institutions (17% of the total), headed by Caja Sullana with 73 credits; 97 credits through Financiera TFC (14% of the total); 59 credits Edpyme MiCasita (9% of total); and finally 4 credits through Credit Union. Regions By geographic area, in September, the placements in Metropolitan Lima (provinces of Lima and Callao) were 322 (equivalent to 47% of the total) decreasing by 24 compared with August. Meanwhile, the placements in provinces (All except Metropolitan Lima) were 364, up 78 credits from the previous month.
1.1 Overall Figures
6
Source: SBS and FMV
Source: SBS and FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
NOTE:
1/ Includes all credit modalities sponsored by FMV.
(*) Information on Financial System is not available as the date of preparation of this bulletin.
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
CHART 1.1.1. PLACEMENTS OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET1/
(Number of credits disbursed)
CHART 1.1.2: DISBURSED AMOUNT OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET 1/
(In thousands of S/)
NOTE:
1/ Includes all credit modalities sponsored by FMV.
(*) Information on Financial System is not available as the date of preparation of this bulletin.
7
24.7 25.6 25.8 26.228.6
24.121.4 21.0 20.4
26.027.5 27.0
22.4
27.7 28.0
23.3
30.2
25.222.6
26.829.0
25.1
19.823.1
0.0
10. 0
20. 0
30. 0
40. 0
50. 0
60. 0
Sep
Oct
No
v
Dec
Jan
2015 Fe
b
Mar Ap
r
May Jun
Jul
Au
g
Sep
Oct
No
v
Dec
Jan
2016 Fe
b
Mar
Ap
r
May Jun
Jul
Au
g
Sep
2/
FMV Financial System Total FMV Participation Rate (%)
11.812.7 12.1 11.7
14.7
11.5
8.9 8.8 8.6 9.110.9
10.19.1
10.7 10.8
8.6
13.2
10.7
8.5
12.0 11.2
9.17.6
9.2
-3.0
2.0
7.0
12. 0
17. 0
22. 0
27. 0
32. 0
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1,000,000
Sep
Oct
Nov Dec
Jan
2015 Fe
b
Mar Ap
r
May Jun
Jul
Aug
Sep
Oct
Nov Dec
Jan
2016 Fe
b
Mar
Apr
May Jun
Jul
Aug
Sep*
FMV Financial System Total FMV Participation Rate (%)
Source: SBS and FMV
2/ Trust Agreement – COFIDE (Principal Balance). Neither provisions nor interests are considered.
Source: SBS and FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
CHART 1.1.4: NON-PERFORMING LOAN MORTGAGE PORTFOLIO OF FMV1/ AND FINANCIAL SYSTEM
(In percentages)
NOTE:
1/ Non-performing loan rate of IFI regarding Mivivienda Credit Portfolio.
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
NOTE:
(!) Information on Financial System is not available as the preparation of this bulletin.
CHART 1.1.3: MORTGAGE PORTFOLIO BALANCE OF MIVIVIENDA CREDITS AND FINANCIAL SYSTEM
(In Millions of Soles)
8
1.66 1.67 1.681.75 1.74 1.77 1.81 1.83 1.80
1.972.06 2.09 2.13
2.242.37
2.43
2.58
2.72 2.75 2.79 2.80
2.943.05 3.06
3.25
1.33 1.33 1.37 1.361.43 1.47 1.46
1.51 1.53 1.58 1.59 1.61 1.65 1.661.77 1.78 1.83
1.922.02 2.00 2.00
2.11 2.14 2.18
2.322.05
2.80
Au
g
Sep
Oct
No
v
Dec
Jan
2015
Feb
Mar Ap
r
May Jun
Jul
Au
g
Sep
Oct
No
v
Dec
Jan
2016 Fe
b
Mar
Ap
r
May Jun
Jul
Au
g
FMV Financial System Mortgage FMV without CRAC Señor de Luren
FMV Average Rate (last 24 months): 2.3 %
15.4 15.4 15.4 15.4 15.4 15.3 15.3 15.3 15.2 15.4 15.4 15.4 15.4 15.4 15.3 15.3 15.3 15.2 15.4 15.4 15.4 15.4 15.3 15.3
Sep
Oct
No
v
Dec
Jan
2015 Fe
b
Mar Ap
r
May Jun
Jul
Au
g
Sep
Oct
No
v
Dec
Jan
2016 Fe
b
Mar Ap
r
May Jun
Jul
Au
g
Sep
1/
Mortgage Portfolio Balance of FMV 2/ Mortgage Portfolio Balance in the Financial System
FMV Mortgage Portfolio Participation in the Financial System (%)
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
Source: FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
CHART 1.1.5: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT
CHART 1.1.6: PLACEMENTS OF MIVIVIENDA CREDITS PER TYPE OF IFI AND IN ACCORDANCE TO IFI
Note:
1/ Municipal Savings and Loans Institutions
2/ micro-Enterprise Development Company
3/ Credit Unions
9
'Variation (Unit)
QI Q2 Jul Aug Sep Oct Nov Dic Total QI Q2 Jul Aug SepSep 16 -
Sep 15
Nuevo Crédito Mivivienda 9,454 1,918 1,779 745 797 782 721 774 711 8,227 2,017 2,250 478 629 672 -110
MiConstrucción 759 169 125 32 29 26 53 30 19 483 31 35 0 2 2 -24
Financiamiento Complementario TP 551 31 131 29 32 20 44 45 15 347 42 14 3 0 10 -10
MiCasa Más 12 5 3 6 2 2 3 5 2 28 6 17 1 1 2 0
MiTerreno 1 3 0 1 1 5 0 0 0 0 0 -1
Total 10,777 2,126 2,038 812 860 831 822 854 747 9,090 2,096 2,316 482 632 686 -145
2014
2015
Products
2016
Placements of Mivivienda Credits per IFI – September 2016
BCP 16%
Financiera TFC 14%
CMAC Sullana 13%
Banco Financiero
12%
Interbank 10%
Edpyme MiCasita 8%
BIF 7%
BBVA 7%
Other IFI 14%
Part. %163
97
73 71
62 59
41 40
80
BCP FinancieraTFC
CMACSullana
BancoFinanciero
Interbank EdpymeMiCasita
BIF BBVA Other IFI
Placements of Mivivienda Credits per Type of IFI – September 2016
411
11597
59
4
Banks CMAC 1/ Finance Company Edpyme 2/ CAC 3/
Banks 60%
CMAC 1/ 17%
Finance Company
14%
Edpyme 2/ 9%
CAC0.3%
Part. %
790763
709 716 699
584635
543576
660
745797 782
721774
711678
646693
741
811
698
478
629672
2
60
52
72 7450
58
61
6221
42
32
29 26
53
30
1925 5
4
21
10
3
3
10
1234
2440
21
3
7
2 14
11529
3220
4445
1530 7
5
4
7
1
2
1 2
23
2
2 1
6
22 3
5
2 4 4
6
7
2
1 1 1
Sep
Oct
Nov
Dec
2015
Jan
Feb
Mar Ap
r
May Jun Jul
Aug
Sep
Oct
Nov
Dec
2016
Jan
Feb
Mar Ap
r
May Jun Jul
Aug
Sep
Nuevo Crédito Mivivienda MiConstrucción FCTP MiCasa Más MiTerreno
863
1
1
2
32
831
11
23
686
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
NOTe:
1/ The brighter colors indicate greater number of placements.
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
CHART 1.1.7. PLACEMENTS OF MIVIVIENDA CREDITS ACCORDING TO METROPOLITAN LIMA1/
Y PROVINCES
CHART 1.1.8: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION1/
Source: FMV
NOTE:
1/ Metropolitan Lima considers the provinces of Lima and Callao.
10
Mivivienda Credits by Region - September 2016
441 402 389 374 361 381330
415485
360268
346 322
390420 465
373 376273 367
337
357
362
214
286 364
Sep Oct Nov Dec 2016 Jan Feb Mar Apr May Jun Jul Aug Sep
Provinces
MetropolitanLima
Mivivienda Credits according to Metropolitan Lima and Provinces
47%53%
49% 46%50% 49%
58%
47%55% 58%
50%56% 55%
47%
53%47%
51% 54%50% 51%
42%
53%45% 42%
50%44% 45%
53%
Aug Sep Oct Nov Dec 2016Jan
Feb Mar Apr May Jun Jul Aug Sep
Provinces
MetropolitanLima
Mivivienda Credits according to Metropolitan Lima and Provinces ( Part. %)
321
82 79
57 51
20 19 15 11 9 6 4 2 2 2 2 1 1 1 1
Mivivienda Credits by Region– September 2016
1.2 Products, Financial Institutions and Regions
11
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.1: DISBURSEMENTS OF MIVIVIENDA CREDITS AS OF SEPTEMBER 30, 2016
TABLE 1.2.2: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCTc/AS OF SEPTEMBER 30, 2016
NOTE:
a/ From July 1999.
b/ Accumulated from January to September.
c/ The periods of placement of Mivivienda Credits of the previous table are the following:
c.1 MIVIVIENDA Tradicional: July 1999 – April 2006
c.2 Financiamiento Complementario Techo Propio : since November – Up to the present
c.3 Cobertura de Riesdo PBP: May 2006 – October 2009. The total number of credits (5,399) were not attended with resources of the FMV S.A.
c.4 MIVIVIENDA Estandarizado: from July 2006 – November 2009
c.5 MIHOGAR: MARCH 2007 – August 2009.
c.6 Nuevo Crédito Mivivienda: were place from June 2009 – Up to the present
c.7 MICONSTRUCCIÓN: from July 2012 – Up to the present
c.8 MI CASA MÁS: January 2014 – Up to the present
c.9 MITERRENO: March 2014 – Up to the present.
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of September 2016 (S/ 3.4).
12
NumberAmount c/
(In thousands of S/)Number
Amount c/
(In thousands of S/)
TOTAL 118,577 10,230,712
1999 a/ 143 8,978 143 8,978
2000 405 25,766 548 34,744
2001 1,410 85,087 1,958 119,831
2002 3,590 245,719 5,548 365,550
2003 6,851 456,597 12,399 822,146
2004 8,223 588,932 20,622 1,411,078
2005 9,449 727,832 30,071 2,138,911
2006 5,752 447,863 35,823 2,586,773
2007 3,396 234,673 39,219 2,821,446
2008 4,469 212,296 43,688 3,033,742
2009 4,810 272,435 48,498 3,306,177
2010 8,456 625,207 56,954 3,931,383
2011 11,071 947,295 68,025 4,878,678
2012 11,309 1,113,574 79,334 5,992,252
2013 13,164 1,403,186 92,498 7,395,438
2014 10,777 1,182,406 103,275 8,577,844
2015 9,090 982,266 112,365 9,560,110
2016b/ 6,212 670,602 118,577 10,230,712
Year
Credits Disbursed Accumulated
YearMIVIVIENDA
Tradicional
Financiamiento
Complementario
Techo Propio
Cobertura de
Riesgo PBP
MIVIVIENDA
EstandarizadoMiHOGAR
Nuevo Crédito
MiviviendaMiConstrucción MICASA MÁS MITERRENO Total
TOTAL 33,294 11,194 5,399 281 3,999 62,074 2,263 67 6 118,577
1999 a/ 143 - - - - - - - - 143
2000 405 - - - - - - - - 405
2001 1,410 - - - - - - - - 1,410
2002 3,590 - - - - - - - - 3,590
2003 6,834 17 - - - - - - - 6,851
2004 7,960 263 - - - - - - - 8,223
2005 9,204 245 - - - - - - - 9,449
2006 3,748 205 1,736 63 - - - - - 5,752
2007 - 273 2,634 57 432 - - - - 3,396
2008 - 1,475 661 71 2,262 - - - - 4,469
2009 - 1,283 368 90 1,305 1,764 - - - 4,810
2010 - 2,007 - - - 6,449 - - - 8,456
2011 - 2,183 - - - 8,888 - - - 11,071
2012 - 1,176 - - - 9,945 188 - - 11,309
2013 - 1,100 - - - 11,301 763 - - 13,164
2014 - 551 - - - 9,454 759 12 1 10,777
2015 - 347 - - - 8,227 483 28 5 9,090
2016b/ - 69 - - - 6,046 70 27 - 6,212
Number of credits disbursed
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
TABLE 1.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF SEPTEMBER 30, 2016
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF SEPTEMBER 30, 2016
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of September 2016 (S/ 3.4).
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
13
YearMIVIVIENDA
Tradicional
Financiamiento
Complementario
Techo Propio
Cobertura de
Riesgo PBP
MIVIVIENDA
EstandarizadoMiHOGAR
Nuevo Crédito
MiviviendaMiConstrucción MICASA MÁS MITERRENO Total
TOTAL 2,440,108 199,912 426,383 24,861 225,569 6,814,364 90,008 9,249 260 10,230,712
1999 a/ 8,978 - - - - - - - - 8,978
2000 25,766 - - - - - - - - 25,766
2001 85,087 - - - - - - - - 85,087
2002 245,719 - - - - - - - - 245,719
2003 456,396 200 - - - - - - - 456,597
2004 585,813 3,119 - - - - - - - 588,932
2005 724,929 2,904 - - - - - - - 727,832
2006 307,420 2,367 132,604 5,471 - - - - - 447,863
2007 - 3,341 203,012 4,794 23,525 - - - - 234,673
2008 - 23,451 56,353 6,371 126,121 - - - - 212,296
2009 - 21,230 34,413 8,225 75,923 132,643 - - - 272,435
2010 - 35,219 - - - 589,988 - - - 625,207
2011 - 42,405 - - - 904,890 - - - 947,295
2012 - 23,732 - - - 1,083,959 5,883 - - 1,113,574
2013 - 21,076 - - - 1,353,633 28,477 - - 1,403,186
2014 - 10,803 - - - 1,139,271 30,941 1,372 20 1,182,406
2015 - 8,585 - - - 947,987 21,561 3,893 240 982,266
2016b/ - 1,480 - - - 661,993 3,145 3,984 - 670,602
In Thousands of S/ c/
Destination Product1999 -
2006a/2007 2008 2009 2010 2011 2012 2013 2014 2015 2016b/ Total
TOTAL 35,823 3,396 4,469 4,810 8,456 11,071 11,309 13,164 10,777 9,090 6,212 118,577
MIVIVIENDA Tradicional 21,122 - - - - - - - - - - 21,122
Financiamiento Complementario Techo Propio 210 230 1,449 1,240 2,007 2,180 1,153 1,094 551 290 69 10,473
Cobertura de Riesgo PBP 1,200 1,998 586 304 - - - - - - - 4,088
MIVIVIENDA Estandarizado 57 48 66 89 - - - - - - - 260
MiHOGAR - 337 2,019 1,224 - - - - - - - 3,580
Nuevo Crédito Mivivienda - - - 1,598 6,099 8,614 9,581 10,758 8,636 7,330 5,334 57,950
MiConstrucción - - - - - - 188 459 177 123 20 967
MICASA MÁS - - - - - - - - 11 19 14 44
Land MITERRENO - - - - - - - - 1 5 - 6
MIVIVIENDA Tradicional 12,172 - - - - - - - - - - 12,172
Financiamiento Complementario Techo Propio 520 43 26 43 - 3 23 6 - 57 - 721
Cobertura de Riesgo PBP 536 636 75 64 - - - - - - - 1,311
MIVIVIENDA Estandarizado 6 9 5 1 - - - - - - - 21
MiHOGAR - 95 243 81 - - - - - - - 419
Nuevo Crédito Mivivienda - - - 166 350 274 364 491 674 519 406 3,244
MICASA MÁS - - - - - - - - 1 9 13 23
Housing in enlargement MiConstrucción - - - - - - - 90 256 134 19 499
Housing Improvement MiConstrucción - - - - - - - 214 326 226 31 797
Second use housing Nuevo Crédito Mivivienda - - - - - - - 52 144 368 239 803
Construction of housing in
owned land 1/Nuevo Crédito Mivivienda - - - - - - - - - 10 67 77
Number of credits disbursed
Housing in construction
Finished housing
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.5: PLACEMENTS OF MIVIVIENDA CREDITS, ACCORDING TO TYPE AND FINANCIAL ENTITY AS OF SEPTEMBER 30, 2016
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ Credit Unions
d/ Municipal Savings and Loans Institutions
e/ Rural Saving and Loans Institutions
f/ micro-Enterprise Development Company
g/ Mortgage Management Company (EAH, per its Spanish acronym)14
Type of IFI IFI1999 -
2006a/2007 2008 2009 2010 2011 2012 2013 2014 2015 2016b/ Total
TOTAL 35,823 3,396 4,469 4,810 8,456 11,071 11,309 13,164 10,777 9,090 6,212 118,577
Banco Falabella - - 3 - - - - - - - - 3
BIF 1,038 - - - 193 153 446 989 1,258 1,172 517 5,766
Comercio 92 27 45 23 68 60 15 15 59 31 17 452
Continental 5,467 622 373 383 881 1,478 1,320 1,055 941 393 326 13,239
Crédito 7,915 100 917 1,698 2,363 2,940 3,344 4,043 2,469 1,452 1,267 28,508
Financiera Efectiva 2,704 - - - - - - - - - 3 2,707
Financiero 4,594 30 147 212 380 613 653 527 831 1,039 920 9,946
Interbank 333 947 1,781 864 2,293 3,091 3,008 2,386 889 726 684 17,002
Mi Banco 1,202 - 2 - - - 4 6 14 - - 1,228
Scotiabank 1,253 1,417 246 187 331 973 499 723 1,213 772 485 8,099
Sudamericano 3,433 - - - - - - - - - - 3,433
Trabajo 4,865 31 - - - - - - - - - 4,896
Wiese Sudameris - - - - - - - - - - - 0
Banco GNB Peru - - - - - - - - 60 55 4 119
AELUCOOP - - - - - - - - - 1 17 18
CAC Abaco 12 - - - - - - - - - - 12
CAC El Pacífico 39 - 1 - - - - - - - 1 41
CAC San Francisco 0 - - - - - 4 29 5 5 4 47
CAC San Martín de Porres 11 - 3 2 - - - - 6 15 20 57
CAC Santa María Magdalena 38 - - - - - 18 - - - - 56
La Rehabilitadora - - - - - - - - 1 18 - 19
Prestasur - 44 - 402 76 64 322 706 612 731 - 2,957
CAC Quillacoop - - - - - - - - 22 5 - 27
Caja Metropolitana 1,098 38 2 15 56 97 60 6 80 12 - 1,464
CMAC Huancayo 25 3 42 12 37 112 112 143 158 286 329 1,259
CMAC Ica 20 30 102 114 57 109 181 176 173 216 132 1,310
CMAC Maynas - - - - - - 1 8 9 2 3 23
CMAC Paita - - 4 3 17 14 - - - - - 38
CMAC Piura - - 122 10 - - - - - - - 132
CMAC Sullana 4 - - - - 19 50 456 772 1,195 502 2,998
CMAC Tacna 70 - - - - - - - - - - 70
CMAC Trujillo 247 1 4 3 2 2 24 12 7 1 - 303
Crac Caja Sur 166 - - - - - - - - - - 166
CRAC Credinka - - - - 3 48 96 178 106 41 2 474
CRAC Cruz de Chalpón 3 - - - - - - - - - - 3
CRAC Nor Perú 145 22 40 - - - - - - - - 207
CRAC Nuestra Gente - - - 7 29 31 6 - - - - 73
CRAC Prymera 8 - - - - - - - - - - 8
CRAC San Martín 97 - - - - - - - - - - 97
Crac Sr. De Luren 319 15 319 97 287 326 864 1,360 387 - - 3,974
Edpyme Confianza 130 - - - - - - - - - - 130
Edpyme Crear Arequipa 8 - - - - - - - - - - 8
Edpyme Edyficar 269 - - - - - - - - - - 269
Edpyme MiCasita - 69 136 238 294 131 133 218 553 534 401 2,707
Edpyme Nueva Visión 10 - - - - - - - - - - 10
Financiera CMR 174 - - - - - - - - - - 174
Financiera Confianza - - - - - - - 1 - - - 1
Financiera Solución 34 - - - - - - - - - - 34
Financiera TFC - - 180 535 968 719 34 4 117 388 578 3,523
Mortgage Company Hipotecaria SURA - - - 5 120 58 - - - - - 183
Other Hipotecaria SURA - - - - 1 33 115 123 35 - - 307
CACc/
Number of credits disbursed
Finance Company
CMACd/
CRACe/
Edpyme f/
Bank
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
TABLE 1.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AND REGION AS OF SEPTEMBER 30, 2016
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
15
RegionMIVIVIENDA
Tradicional
Financiamiento
Complementario
Techo Propio
Cobertura de
Riesgo PBP
MIVIVIENDA
EstandarizadoMiHOGAR
Nuevo Crédito
MiviviendaMiConstrucción MICASA MÁS MITERRENO Total
Number of credits disbursed
TOTAL 33,294 11,194 5,399 281 3,999 62,074 2,263 67 6 118,577
AMAZONAS 2 - - - - 104 - - - 106
ANCASH 152 414 23 - 17 480 7 - - 1,093
APURIMAC 6 - 11 - 1 133 - - - 151
AREQUIPA 1,357 850 79 5 253 2,484 841 15 2 5,886
AYACUCHO 35 53 - - - 80 9 - - 177
CAJAMARCA 53 - 8 - 48 386 24 - - 519
CALLAO 781 290 430 2 169 2,966 84 1 - 4,723
CUSCO 477 31 88 - 7 511 24 - - 1,138
HUANCAVELICA - - - - - 4 - - - 4
HUANUCO 27 38 1 - 1 82 - - - 149
ICA 865 4,559 44 - 142 3,675 9 - - 9,294
JUNIN 219 70 31 - 83 1,168 2 2 - 1,575
LA LIBERTAD 1,867 1,555 272 5 254 3,129 60 5 - 7,147
LAMBAYEQUE 874 217 128 - 173 3,679 151 1 1 5,224
LIMA 25,672 899 4,232 266 2,557 38,626 480 40 3 72,775
LORETO 78 - - - 1 20 1 - - 100
MADRE DE DIOS - - - - - 32 - - - 32
MOQUEGUA 19 - 2 - 4 142 72 - - 239
PASCO 1 - - - 1 65 - - - 67
PIURA 471 738 34 3 266 3,221 410 3 - 5,146
PUNO 54 206 6 - 11 606 - - - 883
SAN MARTIN 127 884 9 - 8 295 8 - - 1,331
TACNA 148 - 1 - 3 91 29 - - 272
TUMBES 3 - - - - 4 52 - - 59
UCAYALI 6 390 - - - 91 - - - 487
72,775
9,294
7,147
5,886
5,224
5,146
4,723
1,575
1,331
1,138
1,093
883
519
487
272
239
177
151
149
106
100
67
59
32
4
LIMA
ICA
LA LIBERTAD
AREQUIPA
LAMBAYEQUE
PIURA
CALLAO
JUNIN
SAN MARTIN
CUSCO
ANCASH
PUNO
CAJAMARCA
UCAYALI
TACNA
MOQUEGUA
AYACUCHO
APURIMAC
HUANUCO
AMAZONAS
LORETO
PASCO
TUMBES
MADRE DE DIOS
HUANCAVELICA
CHART No. 1.2.1: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION(As of September 30, 2016)
Developed by: Planning, Foresight and Organizational Development Office - FMV
Source: FMV
a/ Accumulated from January to September
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.7: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION AND ACCORDING TO THE TYPE OF PRODUCT
16
2012 2013 2014 2015 2016a/
TOTAL 11,309 13,164 10,777 9,090 6,212
AMAZONAS Nuevo Crédito MIVIVIENDA 22 43 18 17 3
Cred. Complementario TP 111 53 53 14 1
MICONSTRUCCION 5 2
Nuevo Crédito MIVIVIENDA 114 102 136 115
APURIMAC Nuevo Crédito MIVIVIENDA 31 22 9 8
Cred. Complementario TP 169 2
MICASA MAS 1 7 7
MICONSTRUCCION 145 336 236 121 3
MITERRENO 2
Nuevo Crédito MIVIVIENDA 491 387 286 321 182
MICONSTRUCCION 8 1
Nuevo Crédito MIVIVIENDA 22 1 1 19 30
MICONSTRUCCION 13 10 1
Nuevo Crédito MIVIVIENDA 88 58 59 29 16
Cred. Complementario TP 1
MICASA MAS 1
MICONSTRUCCION 10 42 27 5
Nuevo Crédito MIVIVIENDA 713 701 403 215 237
MICONSTRUCCION 1 7 10 6
Nuevo Crédito MIVIVIENDA 108 66 42 26 14
HUANCAVELICA Nuevo Crédito MIVIVIENDA 1 3
HUANUCO Nuevo Crédito MIVIVIENDA 5 32 9 11 18
Cred. Complementario TP 469 389 114 73 21
MICONSTRUCCION 3 4 2
Nuevo Crédito MIVIVIENDA 481 628 760 759 529
MICASA MAS 2
MICONSTRUCCION 1 1
Nuevo Crédito MIVIVIENDA 112 139 115 185 187
Cred. Complementario TP 158 172 79 20 5
MICASA MAS 3 2
MICONSTRUCCION 33 6 16 5
Nuevo Crédito MIVIVIENDA 501 454 516 536 369
Cred. Complementario TP 3 1
MICASA MAS 1
MICONSTRUCCION 70 38 33 10
MITERRENO 1
Nuevo Crédito MIVIVIENDA 581 647 558 666 583
Cred. Complementario TP 3 14 247 35 24
MICASA MAS 7 17 16
MICONSTRUCCION 95 218 135 32
MITERRENO 3
Nuevo Crédito MIVIVIENDA 6,089 7,059 5,641 4,359 3,045
MICONSTRUCCION 1
Nuevo Crédito MIVIVIENDA 1 2 8 7
MADRE DE DIOS Nuevo Crédito MIVIVIENDA 22 10
MICONSTRUCCION 4 9 41 18
Nuevo Crédito MIVIVIENDA 46 44 39 10 1
PASCO Nuevo Crédito MIVIVIENDA 1 1 62
Cred. Complementario TP 18 54 26 23 17
MICASA MAS 1 1 1
MICONSTRUCCION 29 164 119 91 7
Nuevo Crédito MIVIVIENDA 523 644 679 644 517
Cred. Complementario TP 9
Nuevo Crédito MIVIVIENDA 66 193 145 137 61
Cred. Complementario TP 235 216 23 1
MICONSTRUCCION 1 7
Nuevo Crédito MIVIVIENDA 61 58 30 23 25
MICONSTRUCCION 1 15 13
Nuevo Crédito MIVIVIENDA 3 17 34 32
MICONSTRUCCION 1 17 16 17 1
Nuevo Crédito MIVIVIENDA 1 1 1
Cred. Complementario TP 200 8 182
Nuevo Crédito MIVIVIENDA 9 22 60
TUMBES
UCAYALI
CAJAMARCA
ICA
CALLAO
JUNIN
LA LIBERTAD
LAMBAYEQUE
LIMA
LORETO
MOQUEGUA
PIURA
PUNO
SAN MARTIN
TACNA
Region
CUSCO
Number of credits disbursed
ANCASH
AYACUCHO
Product
AREQUIPA
Annual
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.8: DISBURSEMENTS OF MIVIVIENDA CREDITS IN THE FINANCIAL SYSTEM, BY REGION AND YEARS
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of September 2016 (S/ 3.4).
TABLE 1.2.9: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM BANKS, BY REGION AND YEARS
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of September 2016 (S/ 3.4).
17
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS 3 - 22 43 18 17 3 106 AMAZONAS 184 - 1,796 4,086 1,759 2,336 327 10,489
ANCASH 289 98 111 172 157 150 116 1,093 ANCASH 11,856 2,360 2,417 8,862 9,714 11,569 8,847 55,626
APURIMAC 60 21 31 22 9 8 - 151 APURIMAC 4,039 1,568 2,651 2,428 817 1,220 - 12,723
AREQUIPA 2,679 511 805 725 523 451 192 5,886 AREQUIPA 150,425 44,786 50,412 59,328 49,063 50,141 26,510 430,664
AYACUCHO 90 5 30 1 2 19 30 177 AYACUCHO 2,714 516 2,173 99 120 2,268 3,058 10,948
CAJAMARCA 148 97 88 71 69 30 16 519 CAJAMARCA 11,935 7,446 7,380 5,952 5,525 2,773 1,469 42,482
CALLAO 1,716 652 714 711 445 243 242 4,723 CALLAO 126,572 49,169 87,576 100,069 58,264 30,966 32,441 485,058
CUSCO 722 136 109 73 52 32 14 1,138 CUSCO 47,970 14,079 11,490 8,923 6,416 3,720 2,029 94,627
HUANCAVELICA - - - - - 1 3 4 HUANCAVELICA - - - - - 81 314 395
HUANUCO 69 5 5 32 9 11 18 149 HUANUCO 2,330 416 401 4,322 1,039 1,426 2,131 12,065
ICA 4,017 1,045 950 1,020 878 834 550 9,294 ICA 109,799 38,273 47,654 61,845 63,118 59,026 34,064 413,779
JUNIN 656 177 112 139 116 186 189 1,575 JUNIN 41,354 17,130 12,496 15,739 13,917 19,274 21,269 141,179
LA LIBERTAD 3,382 890 659 659 604 574 379 7,147 LA LIBERTAD 212,898 50,129 49,064 51,091 62,001 64,215 44,277 533,674
LAMBAYEQUE 1,679 353 584 717 598 699 594 5,224 LAMBAYEQUE 100,831 25,860 52,580 69,320 65,392 68,589 58,798 441,370
LIMA 39,189 6,547 6,092 7,168 6,113 4,549 3,117 72,775 LIMA 2,999,850 670,962 734,315 931,004 760,891 576,753 381,015 7,054,790
LORETO 79 2 1 - 2 9 7 100 LORETO 3,425 97 45 - 107 1,003 466 5,144
MADRE DE DIOS - - - - - 22 10 32 MADRE DE DIOS 0 - - - - 998 480 1,478
MOQUEGUA 27 - 50 53 80 28 1 239 MOQUEGUA 1,550 - 3,959 3,771 4,811 1,758 113 15,962
PASCO 2 1 1 1 - - 62 67 PASCO 107 143 90 70 - - 2,153 2,563
PIURA 1,225 363 570 862 825 759 542 5,146 PIURA 69,985 16,514 35,299 53,214 63,722 60,075 41,748 340,556
PUNO 238 34 75 193 145 137 61 883 PUNO 5,658 673 2,539 8,058 6,206 6,946 3,111 33,192
SAN MARTIN 517 134 296 274 53 24 33 1,331 SAN MARTIN 16,684 7,173 8,903 8,773 3,274 2,205 2,735 49,747
TACNA 157 - 3 1 32 47 32 272 TACNA 10,711 - 319 60 3,090 3,905 3,198 21,282
TUMBES 4 - 1 18 17 18 1 59 TUMBES 155 - 15 585 853 1,038 50 2,697
UCAYALI 6 - - 209 30 242 - 487 UCAYALI 349 - - 5,585 2,307 9,983 0 18,224
Total 56,954 11,071 11,309 13,164 10,777 9,090 6,212 118,577 Total 3,931,383 947,295 1,113,574 1,403,186 1,182,406 982,266 670,602 10,230,712
Amount per Year (In thousands of S/)c/Number of Credits per Year
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS 2 - 22 43 18 17 3 105 AMAZONAS 129 - 1,796 4,086 1,759 2,336 327 10,434
ANCASH 280 98 111 167 148 150 116 1,070 ANCASH 11,394 2,360 2,417 8,582 8,906 11,569 8,847 54,076
APURIMAC 18 - 4 1 - - - 23 APURIMAC 1,106 - 378 167 - - - 1,651
AREQUIPA 1,779 440 573 343 175 164 146 3,620 AREQUIPA 118,015 39,871 39,167 41,256 20,309 21,351 19,435 299,405
AYACUCHO 54 - - - - - - 54 AYACUCHO 759 - - - - - - 759
CAJAMARCA 95 90 79 54 57 27 16 418 CAJAMARCA 8,384 6,968 6,660 5,038 4,812 2,469 1,469 35,800
CALLAO 1,669 644 709 663 351 176 234 4,446 CALLAO 123,161 48,318 87,020 94,964 51,186 25,590 31,798 462,036
CUSCO 722 136 95 29 10 19 14 1,025 CUSCO 47,970 14,079 10,249 3,595 1,245 2,041 2,029 81,208
HUANCAVELICA - - - - - - - HUANCAVELICA - - - - - - - -
HUANUCO 28 5 - 2 - - - 35 HUANUCO 1,606 416 - 270 - - - 2,292
ICA 2,154 597 302 412 498 325 151 4,439 ICA 66,049 29,308 18,517 34,263 39,839 32,228 14,943 235,147
JUNIN 328 84 36 25 6 10 21 510 JUNIN 25,453 9,287 4,319 2,960 491 1,324 2,247 46,081
LA LIBERTAD 2,646 705 617 484 458 429 329 5,668 LA LIBERTAD 179,374 46,899 47,463 47,385 48,418 48,317 39,105 456,961
LAMBAYEQUE 1,488 272 578 642 526 573 488 4,567 LAMBAYEQUE 91,534 23,233 52,051 66,179 60,850 60,135 51,079 405,061
LIMA 36,629 5,881 5,597 6,300 4,962 3,296 2,296 64,961 LIMA 2,792,186 616,392 676,684 835,391 648,546 470,219 314,676 6,354,094
LORETO 69 - 1 2 7 6 85 LORETO 3,032 - 45 - 107 753 408 4,346
MADRE DE DIOS - - - - - - - - MADRE DE DIOS - - - - - - - -
MOQUEGUA 26 - 1 - - - 1 28 MOQUEGUA 1,480 - 70 - - - 113 1,662
PASCO 2 - - - - - - 2 PASCO 107 - - - - - - 107
PIURA 998 270 494 504 504 407 357 3,534 PIURA 60,648 12,138 30,452 37,392 42,749 37,133 30,509 251,022
PUNO 236 34 9 - - 1 - 280 PUNO 5,589 673 184 - - 145 - 6,591
SAN MARTIN 140 52 58 74 9 5 13 351 SAN MARTIN 5,543 5,173 5,181 4,187 720 289 1,178 22,270
TACNA 88 - 3 10 34 32 167 TACNA 6,197 - 319 0 1,233 3,552 3,198 14,499
TUMBES 4 - - 1 - - - 5 TUMBES 155 - - 51 - - - 207
UCAYALI 5 - - - - - - 5 UCAYALI 281 - - - - - - 281
Total 49,460 9,308 9,289 9,744 7,734 5,640 4,223 95,398 Total 3,550,154 855,115 982,972 1,185,767 931,170 719,451 521,361 8,745,990
Amount per Year (In thousands of S/)c/Number of Credits per Year
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
TABLE 1.2.10: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM MUNICIPAL SAVINGS, BY REGION AND YEARS
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of September 2016 (S/ 3.4).
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.11: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM RURAL SAVINGS, BY REGION AND YEARS
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of September 2016 (S/ 3.4).
18
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS 1 - - - - - - 1 AMAZONAS 55 - - - - - - 55
ANCASH 8 - - 5 9 - - 22 ANCASH 427 - - 280 808 - - 1,515
APURIMAC - - - - - - - - APURIMAC - - - - - - - -
AREQUIPA - - - 9 74 139 45 267 AREQUIPA - - - 332 11,129 18,533 6,832 36,827
AYACUCHO 2 5 12 1 2 19 30 71 AYACUCHO 235 516 963 99 120 2,268 3,058 7,260
CAJAMARCA 4 9 17 12 3 45 CAJAMARCA 351 - 720 914 713 305 - 3,003
CALLAO 23 1 10 46 36 6 122 CALLAO 1,691 47 0 349 1,984 2,542 396 7,009
CUSCO - - - - - - - - CUSCO - - - - - - - -
HUANCAVELICA - - - - - 1 3 4 HUANCAVELICA - - - - - 81 314 395
HUANUCO 27 - 1 2 4 5 13 52 HUANUCO 441 - 98 130 311 694 1,451 3,126
ICA 314 57 203 210 222 310 177 1,493 ICA 10,516 1,306 4,318 6,822 11,507 15,169 7,672 57,310
JUNIN 87 60 65 112 109 159 161 753 JUNIN 5,628 6,458 7,208 12,457 13,297 16,388 18,411 79,847
LA LIBERTAD 233 21 23 113 123 145 49 707 LA LIBERTAD 16,378 419 852 2,344 13,233 15,897 5,005 54,128
LAMBAYEQUE 15 2 1 72 69 91 32 282 LAMBAYEQUE 722 76 150 2,568 4,225 6,311 2,612 16,664
LIMA 1,201 194 105 139 381 553 269 2,842 LIMA 102,055 18,247 13,343 9,647 28,191 41,646 20,554 233,682
LORETO - 2 - - - 1 - 3 LORETO - 97 - - - 180 - 277
MADRE DE DIOS - - - - - - - - MADRE DE DIOS - - - - - - - -
MOQUEGUA 1 - - - 4 5 - 10 MOQUEGUA 70 - - - 170 280 - 520
PASCO - 1 1 1 - - 62 65 PASCO - 143 90 70 - - 2,153 2,456
PIURA 147 1 3 84 67 223 115 640 PIURA 7,331 90 45 2,401 4,595 15,131 8,376 37,968
PUNO - - - - 51 3 - 54 PUNO - - - - 2,543 160 - 2,703
SAN MARTIN 6 9 4 9 5 1 3 37 SAN MARTIN 328 653 180 464 352 125 270 2,371
TACNA 69 - - - - - - 69 TACNA 4,514 - - - - - - 4,514
TUMBES - - 1 17 17 18 1 54 TUMBES - - 15 534 853 1,038 50 2,490
UCAYALI - - - - 4 - - 4 UCAYALI - - - - 310 - - 310
Total 2,138 353 428 801 1,199 1,712 966 7,597 Total 150,742 28,051 27,982 39,409 94,342 136,747 77,155 554,429
Number of Credits per Year Amount per Year (In thousands of S/)c/
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS - - - - - - - - AMAZONAS - - - - - - - -
ANCASH - - - - - - - - ANCASH - - - - - - - -
APURIMAC - 1 26 21 9 8 - 65 APURIMAC - 72 2,227 2,262 817 1,220 0 6,597
AREQUIPA 167 6 29 43 24 4 1 274 AREQUIPA 12,155 527 1,787 2,519 2,534 503 243 20,267
AYACUCHO - - - - - - - - AYACUCHO - - - - - - - -
CAJAMARCA - - - - - - - - CAJAMARCA - - - - - - - -
CALLAO - 2 4 21 23 3 - 53 CALLAO - 246 449 2,661 3,127 416 - 6,899
CUSCO - - 13 37 20 1 - 71 CUSCO - - 1,192 4,854 2,697 223 - 8,966
HUANCAVELICA - - - - - - - - HUANCAVELICA - - - - - - - -
HUANUCO - - - - - - - - HUANUCO - - - - - - - -
ICA 981 269 435 398 119 - - 2,202 ICA 22,396 4,632 24,471 20,760 9,480 - - 81,738
JUNIN - 1 11 2 1 4 - 19 JUNIN - 70 968 322 130 604 - 2,094
LA LIBERTAD 241 31 10 61 23 - - 366 LA LIBERTAD 11,669 522 539 1,349 350 - - 14,429
LAMBAYEQUE 3 - 2 3 1 - - 9 LAMBAYEQUE 131 - 324 574 151 - - 1,180
LIMA 68 94 140 398 136 21 1 858 LIMA 2,295 5,187 16,887 43,103 16,197 2,575 232 86,475
LORETO 9 - - - - - - 9 LORETO 356 - - - - - - 356
MADRE DE DIOS - - - - - - - - MADRE DE DIOS - - - - - - - -
MOQUEGUA - - - - - - - - MOQUEGUA - - - - - - - -
PASCO - - - - - - - - PASCO - - - - - - - -
PIURA 11 - - 170 67 - - 248 PIURA 770 - - 8,783 3,742 - - 13,294
PUNO - - 66 193 42 - - 301 PUNO - - 2,355 8,058 1,784 - - 12,197
SAN MARTIN 77 1 230 191 28 - - 527 SAN MARTIN 4,769 72 3,469 4,122 1,252 - - 13,684
TACNA - - - - - - - - TACNA - - - - - - - -
TUMBES - - - - - - - - TUMBES - - - - - - - -
UCAYALI - - - - - - - - UCAYALI - - - - - - - -
Total 1,557 405 966 1,538 493 41 2 5,002 Total 54,541 11,328 54,668 99,366 42,259 5,540 474 268,177
Amount per Year (In thousands of S/)c/Number of Credits per Year
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ From July 1999.
b/ Accumulated from January to September
c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of
September 2016 (S/ 3.4).
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.12: DISBURSEMENT OF MIVIVIENDA CREDITS FROM OTHER CATEGORIES OF IFI, BY REGION AND YEARS
19
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS - - - - - - - -
ANCASH 1 - - - - - - 1
APURIMAC 42 20 1 - - - - 63
AREQUIPA 733 65 203 330 250 144 - 1,725
AYACUCHO 34 - 18 - - - - 52
CAJAMARCA 49 7 - - - - - 56
CALLAO 24 5 1 17 25 28 2 102
CUSCO - - 1 7 22 12 - 42
HUANCAVELICA - - - - - - - -
HUANUCO 14 - 4 28 5 6 5 62
ICA 568 122 10 - 39 199 222 1,160
JUNIN 241 32 - - - 13 7 293
LA LIBERTAD 262 133 9 1 - - 1 406
LAMBAYEQUE 173 79 3 - 2 35 74 366
LIMA 1,291 378 250 331 634 679 551 4,114
LORETO 1 - - - - 1 1 3
MADRE DE DIOS - - - - - 22 10 32
MOQUEGUA - - 49 53 76 23 - 201
PASCO - - - - - - - -
PIURA 69 92 73 104 187 129 70 724
PUNO 2 - - - 52 133 61 248
SAN MARTIN 294 72 4 - 11 18 17 416
TACNA - - - 1 22 13 - 36
TUMBES - - - - - - - -
UCAYALI 1 - - 209 26 242 - 478
Total 3,799 1,005 626 1,081 1,351 1,697 1,021 10,580
Number of Credits per Year
Region 1999-2010a/ 2011 2012 2013 2014 2015 2016
b/ TOTAL
AMAZONAS - - - - - - - -
ANCASH 35 - - - - - - 35
APURIMAC 2,933 1,496 46 - - - - 4,475
AREQUIPA 20,255 4,387 9,457 15,221 15,091 9,753 - 74,165
AYACUCHO 1,720 - 1,210 - - - - 2,930
CAJAMARCA 3,201 478 - - - - - 3,679
CALLAO 1,720 558 107 2,097 1,967 2,417 248 9,114
CUSCO - - 49 475 2,474 1,455 - 4,453
HUANCAVELICA - - - - - - - -
HUANUCO 283 0 303 3,922 728 732 680 6,648
ICA 10,838 3,027 349 0 2,292 11,629 11,449 39,583
JUNIN 10,273 1,316 - - - 958 610 13,156
LA LIBERTAD 5,476 2,289 211 12 - - 167 8,156
LAMBAYEQUE 8,444 2,551 56 - 166 2,143 5,107 18,466
LIMA 103,314 31,136 27,401 42,863 67,957 62,314 45,553 380,538
LORETO 37 - - - - 70 58 165
MADRE DE DIOS - - - - - 998 480 1,478
MOQUEGUA - - 3,889 3,771 4,641 1,478 - 13,779
PASCO - - - - - - - -
PIURA 1,236 4,286 4,802 4,639 12,636 7,811 2,863 38,272
PUNO 70 - - - 1,879 6,642 3,111 11,701
SAN MARTIN 6,044 1,276 73 - 951 1,791 1,287 11,422
TACNA - - - 60 1,856 353 - 2,269
TUMBES - - - - - - - -
UCAYALI 68 - - 5,585 1,997 9,983 - 17,633
Total 175,946 52,801 47,952 78,644 114,635 120,527 71,613 662,117
Amount per Year (In thousands of S/)c/
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 1.2.13: PLACEMENT OF MIVIVIENDA CREDITS, BY TYPE OF FINANCIAL INSTITUTION AND YEARS
(AS OF SEPTEMBER 30, 2016)
NOTE:
a/ Municipal Saving and Loan Institutions
b/ Rural Saving and Loan Institutions
c/ Credits Union
20
Var. (Units)
QI Q2 Jul Aug Sep Oct Nov Dic Total QI Q2 Jul Aug SepSep16 -
Sep15
Bank 7,734 1,453 1,284 443 480 499 486 510 485 6,924 1,495 1,515 355 447 411 -88
CMAC a/ 1,199 337 398 142 184 158 165 169 159 2,110 337 437 46 31 115 -43
CRAC b/ 493 6 17 4 13 1 - - - 58 2 - - - - -1
Remainder Entities 1,351 330 339 223 183 173 171 175 103 2,036 262 364 81 154 160 -13
CAC c/ 646 191 240 66 67 55 74 64 18 1,015 21 13 2 2 4 -51
Edpyme 553 81 56 121 62 64 56 51 43 590 84 155 44 59 59 -5
Finance Company 117 58 43 36 54 54 41 60 42 431 157 196 35 93 97 43
Mortgage - - - - - - - - - - - - - - -
Otros 35 - - - - - - - - - - - - - -
Total 10,777 2,126 2,038 812 860 831 822 854 747 9,090 2,096 2,316 482 632 686 -145
Var. (Units)
QI Q2 Jul Aug Sep Oct Nov Dic Total QI Q2 Jul Aug SepSep16 -
Sep15
Bank 931,170 188,912 166,302 57,188 60,528 66,384 58,221 62,008 59,909 885,753 184,361 185,721 43,321 56,088 51,871 -14,513
CMAC a/ 94,342 29,819 31,548 12,081 13,792 11,604 12,590 13,870 11,443 168,295 26,237 35,769 3,503 2,812 8,835 -2,769
CRAC b/ 42,259 888 2,424 502 1,605 121 - - - 7,965 474 - - - - -121
Remainder Entities 114,635 28,620 23,660 16,666 13,100 11,785 9,875 10,177 6,644 144,187 17,814 27,061 5,668 10,633 10,436 -1,349
CAC c/ 45,718 15,368 14,979 4,536 5,412 4,264 3,595 3,118 896 67,147 2,714 1,256 234 215 388 -3,876
Edpyme 57,740 9,753 6,253 10,070 4,666 4,490 3,961 3,985 3,049 52,480 6,813 13,649 3,331 4,207 4,199 -291
Finance Company 5,785 3,499 2,428 2,060 3,022 3,031 2,319 3,073 2,700 24,560 8,287 12,156 2,103 6,211 5,849 2,818
Mortgage - - - - - - - - - - - - - - -
Otros 5,392 - - - - - - - - - - - - - -
Total 1,182,406 248,238 223,935 86,437 89,026 89,894 80,686 86,054 77,997 982,266 228,886 248,551 52,492 69,532 71,141 -18,752
2014
2016
2016
2015
Number of Credits by Type IFI
Credit Amount by Type of IFI (In thousands of S /)
Type of IFI 2014
2015
Type of IFI
CHAPTER II
21
Fondo Mivivienda S.A. Principal Supporter of Housing in Peru
BONO FAMILIAR HABITACIONAL
- GLOSSARY -
1. Bono Familiar Habitacional (BFH) BFH is a one-time subsidy granted by the Government to families registered in the Techo Propio program and fullfill its requariments as a direct financial support, free of charge for reimbursement, in order to facilitate their access to a house in the Techo Propio Program. 2. Authorized Centers Are establishments located in local government offices with personnel trained to provide information about BFH and Mivivienda products. Authorized Centers are the result of the cooperation between local government and FMV. 3. Signed Agreements With the purpose of promoting the creation of social interest housing, as well as the access to a decent housing for population with lower resources, FMV signed Cooperation Agreements with several local governments. One of its objectives is to identify areas that can be assigned for real estate project development. 4. Technical Entities Technical entities are natural or legal entities in charge of promoting, developing, constructing and/or supervising Techo Propio Program construction projects.
22
BONO FAMILIAR HABITACIONAL: SITUATION AT SEPTEMBER 2016
- EXECUTIVE SUMMARY -
23
Products and Modalities In September 2016, 2 555 bonuses of Bonos Familiares Habitacionales (BFH) were granted of the Techo Propio program,
decreasing by 1 397 compared to September 2015, although it was higher by 138 bonds compared with August. In
monetary terms, in September, S/ 51.9 million were disbursed, decreasing by S/ 20 million compared with the amount
disbursed in September 2015.
By Modalities: Construction on Owned Land (main bonus mechanism) granted 2 367 bonuses (equivalent to S/ 48 million),
down by 1 232 compared to September 2015; Housing Improvement granted 78 bonds (equivalent to S/ 0.7 million)
decreasing by 100 compared with September 2015; and New Housing Acquisition 110 bonuses (equivalent to S/ 3.3 million),
down 65 compared to September 2015.
In the period January to September 2016, 33 683 bonds were granted (with a value of S/ 635 million), increasing by 512
(S/28 million) compared with the same period of 2015. It is important to mention that in the third quarter the number of
bonuses granted was less than that observed in the first half, due to the limited transfer of financial resources from the
government.
Regions By region, bonuses were mainly granted within five regions: Ica 374, Lima 357, 348 Piura, La Libertad 317 and San Martin 193; which together represent 62% of BFHs granted in September. Authorized Centers and Signed Agreements At the end of September 2016, the total of authorized centers at nationwide amounted to 1 031, unchanged from the
previous month. The regions with the largest number of authorized centers were: Ayacucho with 100, Junin with 95,
Arequipa with 76 and San Martin with 74 authorized centers.
Meanwhile, signed agreements within the country reached 1 097, which include an additional signed agreement with
respect to August, in the region of Apurimac. Therefore, at the end of September the regions with the largest number of
signed agreements were: Junin with 110, Ayacucho 103, Arequipa 95 and Cusco 87.
Technical Entities
As of September 30th, 2016, the number of current Technical Entities reached 640 entities, increasing by 18 compared to the
end of August. The regions where new techniques entities were incorporated were: Lima 6, Piura 4, La Libertad 3, Junín 3,
Loreto 1, San Martin 1 and Amazonas 1. However, a Technical Entity located in Ica was deactivated. It is also important to
note that about 64% of technical entities are concentrated in three regions: La Libertad with 33% (212), Lima 24% (156) and
Ica 11% (69).
Overall Figures
24
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
CHART 2.1.2: NUMBER OF BFH BY MODALITY
(Number of bonus disbursed)
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
CHART 2.1.1: NUMBER AND AMOUNT OF BFH
(Number of bonus disbursed and millions of Soles)
25
6,971
5,0034,616
4,859
3,367
3,8084,084
3,312 3,3232,904
4,3364,085 3,952
2,865
6,572
7,797
2,536
3,982
4,569 4,593 4,592
5,966
2,473 2,417 2,555
124.7
90.383.4 88.4
60.268.8 74.2
60.7 61.152.5
80.7 76.2 72.7
52.3
119.4
145.8
46.4
72.683.4 84.7 87.7
111.5
46.4 50.0 51.9
Sep Oct Nov Dec Jan2015
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan2016
Feb Mar Apr May Jun Jul Aug Sep
Number Amount (millions of S/)
6,116
4,8604,368 4,508
3,2963,623 3,530
2,992 2,904 2,626
4,1153,742 3,599
2,771
5,967
7,302
2,457
3,7644,290 4,128 4,260
5,656
2,390 2,091 2,367
242
78
855
143
248351
34176 487
296 319176
204328
175
62
310
270
9
94
27 304 196
94
1
252
84
37
967
24 100
102
1715
178
32
295
225
70
124
161 136
216
82
Sep2014
Oct Nov Dec Jan2015
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dic Jan2015
Feb Mar Apr May Jun Jul Aug Sep
Construction on Owned Land New Housing Acquisition Housing Improvement
2,555
3,952
20166,971
110
2015
Source: FMV
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
NOTE:
1/ Intense colors indicate larger disbursements of BFH.
CHART 2.1.4: NUMBER AND AMOUNT OF BFH BY REGION1/
CHART 2.1.3: NUMBER AND AMOUNT OF BFH BY MODALITY
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
26
BFH by Region - September 2016
Var. (Units)
QI Q2 Jul Aug Sep Oct Nov Dic Total QI Q2 Jul Aug SepSep16-
Sep15
Construction on Owned Land 40,904 10 449 8 522 4 115 3 742 3 599 2 771 5 967 7 302 46 467 10 511 14 044 2 390 2 091 2 367 -1 232
New Housing Acquisition 4,260 697 791 204 328 175 62 310 270 2 837 130 594 1 242 110 - 65
Housing Improvement 0 113 226 17 15 178 32 295 225 1 101 446 513 82 84 78 - 100
Total 45,164 11 259 9 539 4 336 4 085 3 952 2 865 6 572 7 797 50 405 11 087 15 151 2 473 2 417 2 555 -1 397
Var. (Units)
QI Q2 Jul Aug Sep Oct Nov Dic Total QI Q2 Jul Aug SepSep16-
Sep15
Construcción en Sitio Propio 725,129 189 262 157 486 76 648 69 843 67 830 50 883 110 846 138 643 861 441 196 108 267 822 45 667 41 857 47 868 -19 962
New Housing Acquisition 77,666 13 015 14 844 3 857 6 222 3 330 1 176 5 928 5 155 53 526 2 482 11 467 32 7 379 3 353 23
Housing Improvement 0 988 1 980 150 132 1 571 283 2 609 1 991 9 705 3 948 4 570 735 756 699 - 872
Total 802,795 203 264 174 309 80 655 76 197 72 732 52 342 119 384 145 789 924 672 202 538 283 859 46 434 49 991 51 921 -20 811
2016
2016
Number de BFH
Mechanisms 2014
2015
Mechanisms 2014
2015
Amount de BFH disbursed (miles de S/)
374
357 348
317
193 189
159
134
95
72 67 60 59 53
40
11 9 8 3 3 2 2
Number of BFH by Region - September 2016
2.1 Disbursements, Modalities and Regions
27
Source: FMV
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
NOTE:
a/ From July 1999.
b/ Accumulated January-September.
TABLE 2.1.2: NUMBER OF DISBURSEMENTS OF BFH PER YEARS AND BY MODALITY c/, AS OF SEPTEMBER 30, 2016
NOTE:
a/ From August 2003.
b/ Accumulated January-September.
c/ BFH include 3 modalities: New Housing Acquisition, in force since August 2003; Construction on Owned
Land, in force since July 2005 (include rural area construction); and Housing Improvement, in force since May
2006.
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 2.1.1: DISBURSEMENTS OF BFH AS OF SEPTEMBER 30, 2016
28
NumberAmount
( Thousands of S/)Number
Amount
(Thousands of S/)
TOTAL 248,496 4,299,772
2003 a/ 688 8,614 688 8,614
2004 1,912 23,311 2,600 31,925
2005 1,852 21,998 4,452 53,923
2006 2,025 23,678 6,477 77,601
2007 2,394 27,886 8,871 105,487
2008 9,288 134,420 18,159 239,907
2009 28,442 455,045 46,601 694,952
2010 18,735 313,571 65,336 1,008,523
2011 12,494 211,944 77,830 1,220,467
2012 17,500 298,985 95,330 1,519,452
2013 23,914 418,110 119,244 1,937,562
2014 45,164 802,795 164,408 2,740,357
2015 50,405 924,672 214,813 3,665,029
2016b/ 33,683 634,743 248,496 4,299,772
Year
Bonus disbursed Accumulated
YearNew Housing
Acquisition
Construction on
Owned Land
Housing
ImprovementTotal
Number of bonus dibursed
TOTAL 42,010 200,169 6,317 248,496
2003 a/ 688 - - 688
2004 1,912 - - 1,912
2005 1,839 13 - 1,852
2006 1,991 26 8 2,025
2007 1,887 398 109 2,394
2008 2,396 6,120 772 9,288
2009 3,867 22,843 1,732 28,442
2010 5,353 12,835 547 18,735
2011 5,991 6,071 432 12,494
2012 4,498 12,597 405 17,500
2013 3,414 20,492 8 23,914
2014 4,260 40,904 - 45,164
2015 2,837 46,467 1,101 50,405
2016b/ 1,077 31,403 1,203 33,683
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
33,683
2003 a/ 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016b/
CHART 2.1.1: NUMBER OF BFH, PER YEARS (As of September 30, 2016)
Source: FMV
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 2.1.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR AND BY MODALITY AS OF SEPTEMBER 30, 2016
NOTE:
a/ From August 2003.
b/ Accumulated January-September.
NOTE:
a/ From August 2003.
b/ Accumulated January-September.
NOTE:
a/ From August 2003.
b/ Accumulated January-September.
29
YearNew Housing
Acquisition
Construction on
Owned Land
Housing
ImprovementTotal
Thousands of S/
TOTAL 699,108 3,553,583 47,081 4,299,772
2003 a/ 8,614 - - 8,614
2004 23,311 - - 23,311
2005 21,879 119 - 21,998
2006 23,409 238 31 23,678
2007 23,243 4,140 503 27,886
2008 31,287 98,050 5,084 134,420
2009 67,164 376,276 11,604 455,045
2010 94,960 214,931 3,680 313,571
2011 107,016 101,987 2,940 211,944
2012 79,711 216,504 2,771 298,985
2013 62,609 355,446 55 418,110
2014 77,666 725,129 - 802,795
2015 53,526 861,441 9,705 924,672
2016 b/ 24,713 599,323 10,708 634,743
8,614 23,311 21,998 23,678 27,886
134,420
455,045
313,571
211,944
298,985
418,110
802,795
924,672
634,743
2003 a/ 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 b/
CHART 2.1.2: AMOUNT DISBURSED OF BFH PER YEAR (Thousands of S/ as of September 30, 2016)
0.1 0.2 4.198.0
446.3
214.9102.0
216.5355.4
725.1861.4
599
8.6 23.3
21.9 23.4 23.2
31.3
67.2
95.0
107.0
79.762.6
77.7
53.5
24.7
0.5
5.1
11.6
3.7
2.9
2.80.1
9.7
10.7
0
100
200
300
400
500
600
700
800
900
1000
2003 a/ 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016b/
CHART 2.1.3: AMOUNT DISBURSED OF BFH BY MODALITY(Thousands of S/ as of, September 30, 2016)
Construction on Owned Land New Housing Acquisition Housing Improvement
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 2.1.4: NUMBER OF BFH DISBURSEMENTS BY REGIONS AND YEARS AS OF SEPTEMBER 30, 2016
NOTE:
a/ From August 2003.
b/ Accumulated from January to September.
30
Region 2003 a/ 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 b/ Total
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 31,128 248,496
AMAZONAS - - - - - 22 162 53 10 90 - 151 1,117 901 2,506
ANCASH 45 66 116 15 36 55 433 164 790 515 682 2,145 2,452 1,791 9,305
APURIMAC - - - - - 17 120 44 2 25 62 231 319 247 1,067
AREQUIPA 74 63 199 69 65 123 891 389 92 472 190 471 706 723 4,527
AYACUCHO - - 101 14 3 8 145 24 4 174 240 972 1,207 813 3,705
CAJAMARCA - - - - - 14 113 61 1 52 230 244 531 794 2,040
CALLAO - 619 441 216 266 829 1,063 666 370 193 337 920 1,165 810 7,895
CUSCO - - 15 70 13 68 157 98 86 - 13 96 384 269 1,269
HUANCAVELICA - - - - 3 58 105 84 34 24 - 361 1,212 951 2,832
HUANUCO - - - - 39 47 2 1 49 99 101 419 492 353 1,602
ICA - 182 24 184 769 2,933 7,723 8,467 5,983 9,070 6,925 10,678 7,839 4,479 65,256
JUNIN - - 9 - - 1 106 100 62 259 1,027 1,313 1,314 880 5,071
LA LIBERTAD - - 123 152 383 1,727 5,883 2,828 1,920 1,884 5,015 8,070 9,817 5,657 43,459
LAMBAYEQUE 52 129 51 415 42 158 1,016 515 390 348 1,384 2,012 2,908 1,861 11,281
LIMA 364 799 686 645 345 1,938 4,858 1,972 1,100 2,006 2,913 4,756 3,640 2,552 28,574
LORETO - - 34 38 41 19 348 229 8 280 107 309 506 614 2,533
MADRE DE DIOS - - - - 97 103 33 1 - - - 3 22 10 269
MOQUEGUA - - - - 20 62 87 27 13 25 107 275 109 60 785
PASCO - - - - - - - - - 51 24 60 138 106 379
PIURA - - 3 42 42 199 2,115 1,268 648 1,200 3,603 6,512 7,673 4,864 28,169
PUNO 153 54 8 4 61 58 137 143 410 143 40 85 801 78 2,175
SAN MARTIN - - - - 38 833 2,864 1,578 522 286 754 3,993 5,012 3,822 19,702
TACNA - - 42 161 131 10 33 21 - 30 1 91 337 676 1,533
TUMBES - - - - - - 30 1 - 131 5 466 270 163 1,066
UCAYALI - - - - - 6 18 1 - 143 154 531 434 209 1,496
Number of bonus disbursed
65,256
43,459
28,574
28,169
19,702
11,281
9,305
7,895
5,071
4,527
3,705
2,832
2,533
2,506
2,175
2,040
1,602
1,533
1,496
1,269
1,067
1,066
785
379
269
ICA
LA LIBERTAD
LIMA
PIURA
SAN MARTIN
LAMBAYEQUE
ANCASH
CALLAO
JUNIN
AREQUIPA
AYACUCHO
HUANCAVELICA
LORETO
AMAZONAS
PUNO
CAJAMARCA
HUANUCO
TACNA
UCAYALI
CUSCO
APURIMAC
TUMBES
MOQUEGUA
PASCO
MADRE DE DIOS
CHART 2.1.4: NUMBER OF BHF DISBURSEMENTS BY REGION(As of September 30, 2016)
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 2.1.5: AMOUNT OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF SEPTEMBER 30, 2016
NOTE:
a/ From August 2003.
b/ Accumulated from January to September.
Source: FMV
31
Region 2003 a/ 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 b/ Total
TOTAL 8,614 23,311 21,998 23,678 27,886 134,420 455,045 313,571 211,944 298,985 418,110 802,795 924,672 582,822 4,299,772
AMAZONAS - - - - - 328 2,650 888 168 1,527 - 2,653 20,152 16,474 44,840
ANCASH 564 826 1,417 176 409 884 7,213 2,806 13,550 8,642 11,882 37,603 42,065 30,912 158,950
APURIMAC - - - - - 274 1,973 734 27 424 1,071 4,700 7,894 6,483 23,580
AREQUIPA 927 762 2,354 813 791 1,492 15,258 6,846 1,647 6,965 3,255 8,313 12,663 13,214 75,300
AYACUCHO - - 1,182 165 34 134 2,429 401 67 2,890 4,140 18,500 28,418 19,329 77,690
CAJAMARCA - - - - - 235 1,893 1,022 17 903 3,982 4,285 9,568 14,501 36,405
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 14,462 126,151
CUSCO - - 176 823 146 1,012 2,283 1,684 1,542 - 241 2,106 9,258 5,898 25,169
HUANCAVELICA - - - - 28 911 1,698 1,407 568 411 - 8,827 32,415 26,113 72,379
HUANUCO - - - - 523 630 27 18 882 1,666 1,772 7,424 8,862 6,514 28,317
ICA - 2,251 282 2,191 10,028 43,423 123,646 141,973 102,009 157,438 122,510 188,630 139,313 79,795 1,113,488
JUNIN - - 106 - - 7 1,776 1,716 1,092 4,409 17,641 24,206 27,966 19,204 98,122
LA LIBERTAD - - 1,462 1,776 4,565 26,347 98,416 48,694 33,598 34,234 88,436 143,935 177,467 107,823 766,754
LAMBAYEQUE 649 1,611 599 4,874 491 2,285 16,624 8,615 6,850 5,975 23,798 35,353 51,880 33,639 193,243
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 42,337 441,540
LORETO - - 399 444 467 285 5,517 3,809 134 4,768 2,218 5,599 9,082 17,132 49,853
MADRE DE DIOS - - - - 1,161 1,357 538 13 - - - 54 398 182 3,704
MOQUEGUA - - - - 182 921 1,444 442 218 423 1,861 4,855 1,945 1,092 13,382
PASCO - - - - - - - - - 863 417 1,059 2,480 1,933 6,752
PIURA - - 28 447 453 3,241 35,373 21,402 11,272 20,453 62,196 114,377 137,674 87,316 494,231
PUNO 1,917 666 94 48 748 777 2,400 2,573 7,380 2,577 723 1,510 14,820 1,487 37,720
SAN MARTIN - - - - 356 12,211 45,883 25,780 8,570 5,211 13,398 69,961 90,085 69,859 341,316
TACNA - - 492 1,891 1,461 101 553 352 - 504 17 1,625 6,068 12,287 25,351
TUMBES - - - - - - 503 17 - 2,218 87 8,146 4,834 2,969 18,773
UCAYALI - - - - - 101 302 17 - 2,422 2,647 9,509 7,975 3,790 26,762
Thousands of S/
1,113,488
766,754
494,231
441,540
341,316
193,243
158,950
126,151
98,122
77,690
75,300
72,379
49,853
44,840
37,720
36,405
28,317
26,762
25,351
25,169
23,580
18,773
13,382
6,752
3,704
ICA
LA LIBERTAD
PIURA
LIMA
SAN MARTIN
LAMBAYEQUE
ANCASH
CALLAO
JUNIN
AYACUCHO
AREQUIPA
HUANCAVELICA
LORETO
AMAZONAS
PUNO
CAJAMARCA
HUANUCO
UCAYALI
TACNA
CUSCO
APURIMAC
TUMBES
MOQUEGUA
PASCO
MADRE DE DIOS
CHART 2.1.5: AMOUNT DISBURSED OF BFH BY REGION(Thousands of S/ as of September 30,2016)
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
TABLE 2.1.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF SEPTEMBER 30, 2016
FMV STATISTICS: SITUATION AT SEPTEMBER 2016
TABLE 2.1.6: NUMBER OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF SEPTEMBER 30, 2016
32
Region New Housing AcquisitionConstruction on Owned
LandHousing Improvement Total
TOTAL 42,010 200,169 6,317 248,496
AMAZONAS - 2,504 2 2,506
ANCASH 1,946 6,918 441 9,305
APURIMAC - 1,067 - 1,067
AREQUIPA 2,087 2,438 2 4,527
AYACUCHO 118 3,581 6 3,705
CAJAMARCA 56 1,984 - 2,040
CALLAO 1,948 5,724 223 7,895
CUSCO 363 865 41 1,269
HUANCAVELICA - 2,831 1 2,832
HUANUCO 168 1,433 1 1,602
ICA 9,979 54,303 974 65,256
JUNIN 220 4,839 12 5,071
LA LIBERTAD 12,018 31,373 68 43,459
LAMBAYEQUE 1,361 9,796 124 11,281
LIMA 5,830 18,916 3,828 28,574
LORETO 115 2,409 9 2,533
MADRE DE DIOS 186 83 - 269
MOQUEGUA - 782 3 785
PASCO - 379 - 379
PIURA 1,705 26,231 233 28,169
PUNO 1,931 244 - 2,175
SAN MARTIN 1,236 18,120 346 19,702
TACNA 344 1,187 2 1,533
TUMBES - 1,065 1 1,066
UCAYALI 399 1,097 - 1,496
Number of bonus disbursed
Region New Housing AcquisitionConstruction on Owned
LandHousing Improvement Total
TOTAL 699,108 3,553,583 47,081 4,299,772
AMAZONAS - 44,826 13 44,840
ANCASH 32,499 122,569 3,882 158,950
APURIMAC - 23,580 - 23,580
AREQUIPA 32,849 42,438 13 75,300
AYACUCHO 1,382 76,267 41 77,690
CAJAMARCA 1,009 35,396 - 36,405
CALLAO 25,719 98,846 1,587 126,151
CUSCO 5,945 18,950 275 25,169
HUANCAVELICA - 72,373 7 72,379
HUANUCO 2,627 25,682 7 28,317
ICA 168,221 937,552 7,716 1,113,488
JUNIN 3,907 94,132 83 98,122
LA LIBERTAD 217,554 548,772 429 766,754
LAMBAYEQUE 19,683 172,540 1,020 193,243
LIMA 87,636 326,325 27,579 441,540
LORETO 1,329 48,464 60 49,853
MADRE DE DIOS 2,299 1,405 - 3,704
MOQUEGUA - 13,355 27 13,382
PASCO - 6,752 - 6,752
PIURA 29,861 462,374 1,996 494,231
PUNO 33,369 4,350 - 37,720
SAN MARTIN 21,798 317,196 2,322 341,316
TACNA 3,945 21,390 16 25,351
TUMBES - 18,764 9 18,773
UCAYALI 7,478 19,285 - 26,762
Thousands of S/
2.2 Authorized Centers, Signed Agreements and Technical Entities
33
Source: FMV
Source: FMV – Social and Building Project Management Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
CHART 2.2.1: SIGNED AGREEMENTS & AUTHORIZED CENTERS
(Updated AS OF SEPTEMBER 30, 2016)
CHART 2.2.2: NUMBER OF CURRENT TECHNICAL ENTITIES BY REGION
(Updated AS OF SEPTEMBER 30, 2016)
34
Technical Entities by Region
103
110
95
73
87
75
77
31
52
39
50
38
33
34
30
35
25
14
21
26
19
12
6
12
0
100
95
76
74
72
67
52
48
47
46
40
37
36
34
30
27
25
24
24
21
18
16
12
9
2
AYACUCHO
JUNIN
AREQUIPA
SAN MARTIN
CUSCO
HUANCAVELICA
PUNO
LA LIBERTAD
HUANUCO
ICA
CAJAMARCA
LAMBAYEQUE
PIURA
APURIMAC
AMAZONAS
LIMA
TACNA
ANCASH
MOQUEGUA
PASCO
LORETO
TUMBES
MADRE DE DIOS
UCAYALI
CALLAO
SIGNED AGREEMENTS
AUTHORIZED CENTERS
Total of Authorized Centers: 1,032Total of Signed Agreements: 1,097
Number of Current Technical Entities by Region
212
156
69
51
50
26
19
15
9
5
5
5
3
3
3
2
2
2
1
1
1
0
LA LIBERTAD
LIMA
ICA
SAN MARTIN
PIURA
LAMBAYEQUE
JUNIN
ANCASH
CAJAMARCA
LORETO
CALLAO
AMAZONAS
CUSCO
HUANUCO
MOQUEGUA
APURIMAC
AREQUIPA
UCAYALI
MADRE DE DIOS
PASCO
TACNA
HUANCAVELICA
Total Number:640
CHAPTER III
35
1/ According to the program meetings, the BPVV is only applied in the districts of Comas, Carabayllo, El Agustino, Independencia, Puente Piedra, San Juan de Lurigancho, Ventanilla,
San Juan de Miraflores, Villa María del Triunfo, Pachacamac y Ancón.
2/ Expressed in thousands of Soles
Source: FMV
Source: FMV
Developed by: Planning, Foresight and Organizational Development Office - FMV
TABLE 3.1: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF SEPTEMBER 30, 2016 1/
-EXECUTIVE SUMMARY-
CHART 3.1: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF SEPTEMBER 30, 2016
Source: FMV
36
Bono Protection Housing Vulnerable to Earthquake Risk (BPVVRS)
In September 2016, 224 bonuses were granted (equivalent to 3.36 million), up 37 compared with August. The districts beneficiaries
by these bonuses were: San Juan de Lurigancho with 57 bonuses, Comas 49, San Juan de Miraflores 34, Carabayllo 27, Villa Maria
del Triunfo 22, Puente Piedra 21 and El Agustino 14.
In the accumulated period from January 2015 to September 2016, 2 072 bonuses were granted, equivalent to a disbursement of
S/29 million. By district, the principal beneficiary districts were: San Juan de Lurigancho and Comas with 671 and 482, respectively.
Number of BPVV: January 2015-September 2016
Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto Número Monto
TOTAL 112 1 680 242 3 285 482 6 504 14 210 37 444 90 1 338 671 9 447 58 870 117 1 611 249 3 735 2 072 29 124
Jan15 - - - - 140 1 680 - - 14 168 - - - - - - - - - - 154 1,848
Feb15 - - 22 264 19 228 - - 3 36 - - - - - - - - - - 44 528
Mar15 - - - - 1 12 - - - - - - - - - - - - - - 1 12
Apr15 - - - - - - - - - - - - - - - - - - - - - -
May15 - - - - - - - - - - - - 14 168 - - - - - - 14 168
Jun15 - - - - - - - - - - - - - - - - - - - - - -
Jul15 - - 20 240 - - - - - - - - - - - - - - - - 20 240
Aug15 - - 30 360 52 624 - - - - - - - - - - - - - - 82 984
Sep15 - - - - 16 192 - - 10 120 - - - - - - - - - - 26 312
Oct 15 - - 13 156 - - - - 10 120 - - - - - - - - - - 23 276
Nov 15 - - - - - - - - - - - - 16 192 - - - - - - 16 192
Dic 15 - - 15 180 99 1 443 - - - - - - 94 1 128 - - - - - - 208 2,751
Jan 16 - - 38 561 - - - - - - - - 74 1 092 - - 20 240 - - 132 1,893
Feb 16 - - 11 132 32 480 - - - - - - 89 1 302 - - - - - - 132 1,914
Mar 16 - - 13 192 - - - - - - 14 210 63 756 - - 23 345 34 510 147 2,013
Apr 16 30 450 18 270 40 600 - - - - 52 768 26 390 - - - - 27 405 193 2,883
May 16 15 225 18 270 11 165 - - - - - - 122 1 830 - - - - 114 1 710 280 4,200
Jun 16 - - 17 255 3 45 - - - - - - 55 822 19 285 - - - - 94 1,407
Jul16 - - - - 10 150 - - - - 3 45 34 507 4 60 - - 44 660 95 1,422
Aug16 67 1 005 - - 10 150 - - - - - - 27 405 1 15 74 1 026 8 120 187 2,721
Sep16 - - 27 405 49 735 14 210 - - 21 315 57 855 34 510 - - 22 330 224 3,360
VILLA MARÍA DEL TRIUNFOVENTANILLA TOTALPUENTE PIEDRASAN JUAN DE
LURIGANCHOSAN JUAN DE MIRAFLORESINDEPENDENCIAATE CARABAYLLO COMAS EL AGUSTINO
Month/Year
154
44
1 014
020
82
26 2316
208
132 132 147
193
280
9495
187
224
1,848
528
12 0168
0240
984
312 276 192
2,751
1,8931,9142,013
2,877
4,200
1,4071,422
2,721
3,360
Jan2015
Feb Mar Apr May Jun Jul Ago Sep Oct Nov Dec Jan2016
Feb Mar Abr May Jun Jul Ago Set
Number Amount in thousands of S/