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

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

http://www.mivivienda.com.pe/PortalWEB/

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


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.


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


Source: FMV


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


NOTe:

1/ The brighter colors indicate greater number of placements.


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



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


TABLE 1.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF SEPTEMBER 30, 2016


TABLE 1.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF SEPTEMBER 30, 2016

NOTE:

a/ From July 1999.


c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate as of the closure of September 2016 (S/ 3.4).

NOTE:

a/ From July 1999.


13

YearMIVIVIENDA

Tradicional

Financiamiento

Complementario

Techo Propio

Cobertura de

Riesgo PBP

MIVIVIENDA


Nuevo Crédito


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


Housing in construction

Finished housing

Source: FMV



TABLE 1.2.5: PLACEMENTS OF MIVIVIENDA CREDITS, ACCORDING TO TYPE AND FINANCIAL ENTITY AS OF SEPTEMBER 30, 2016

NOTE:

a/ From July 1999.


c/ Credit Unions

d/ Municipal Savings and Loans Institutions

e/ Rural Saving and Loans Institutions

f/ micro-Enterprise Development Company

g/ Mortgage Management Company (EAH, per its Spanish acronym)14

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/


Finance Company

CMACd/

CRACe/

Edpyme f/

Bank

Source: FMV

Source: FMV


TABLE 1.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AND REGION AS OF SEPTEMBER 30, 2016


15

RegionMIVIVIENDA

Tradicional

Financiamiento

Complementario

Techo Propio

Cobertura de

Riesgo PBP

MIVIVIENDA


Nuevo Crédito



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)


Source: FMV

a/ Accumulated from January to September


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


MICONSTRUCCION 13 10 1


Cred. Complementario TP 1

MICASA MAS 1

MICONSTRUCCION 10 42 27 5




HUANCAVELICA Nuevo Crédito MIVIVIENDA 1 3

HUANUCO Nuevo Crédito MIVIVIENDA 5 32 9 11 18




MICASA MAS 2

MICONSTRUCCION 1 1



MICASA MAS 3 2



Cred. Complementario TP 3 1

MICASA MAS 1


MITERRENO 1



MICASA MAS 7 17 16


MITERRENO 3

Nuevo Crédito MIVIVIENDA 6,089 7,059 5,641 4,359 3,045

MICONSTRUCCION 1


MADRE DE DIOS Nuevo Crédito MIVIVIENDA 22 10



PASCO Nuevo Crédito MIVIVIENDA 1 1 62


MICASA MAS 1 1 1



Cred. Complementario TP 9


Cred. Complementario TP 235 216 23 1

MICONSTRUCCION 1 7





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


ANCASH

AYACUCHO

Product

AREQUIPA

Annual

Source: FMV

Source: FMV



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.


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


NOTE:

a/ From July 1999.



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


Source: FMV

Source: FMV


TABLE 1.2.10: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM MUNICIPAL SAVINGS, BY REGION AND YEARS


NOTE:

a/ From July 1999.




TABLE 1.2.11: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM RURAL SAVINGS, BY REGION AND YEARS


NOTE:

a/ From July 1999.



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


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


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


Source: FMV



NOTE:

a/ From July 1999.


c/ The credits granted in Dollars from 1999 to 2009 were converted into Soles with the exchange rate at the end of

September 2016 (S/ 3.4).


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



TABLE 1.2.13: PLACEMENT OF MIVIVIENDA CREDITS, BY TYPE OF FINANCIAL INSTITUTION AND YEARS


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


CHART 2.1.2: NUMBER OF BFH BY MODALITY

(Number of bonus disbursed)


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


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


Construction on Owned Land New Housing Acquisition Housing Improvement

2,555

3,952

20166,971

110

2015

Source: FMV

Source: FMV

Source: 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


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


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.


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.


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



TABLE 2.1.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR AND BY MODALITY AS OF SEPTEMBER 30, 2016

NOTE:



NOTE:



NOTE:



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



TABLE 2.1.4: NUMBER OF BFH DISBURSEMENTS BY REGIONS AND YEARS AS OF SEPTEMBER 30, 2016

NOTE:



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



TABLE 2.1.5: AMOUNT OF BFH DISBURSEMENTS BY REGION AND YEARS AS OF SEPTEMBER 30, 2016

NOTE:



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


TABLE 2.1.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF SEPTEMBER 30, 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


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


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/

Documents

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