Story Transcript
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 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.
5
1.1 Overall Figures
6
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 CHART 1.1.1. PLACEMENTS OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET 1/ (Number of credits disbursed)
60 .0
50 .0
40 .0
26.2 24.7 25.6 25.8
28.6
26.0
24.1
25.2
23.3
22.4
21.4 21.0 20.4
30.2
27.7 28.0
27.5 27.0
26.8
30 .0
29.0 25.1
22.6
23.1
19.8
20 .0
10 .0
FMV
Financial System Total
Sep2/
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2016
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2015
Dec
Nov
Oct
Sep
0.0
FMV Participation Rate (%)
Source: SBS and 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.
CHART 1.1.2: DISBURSED AMOUNT OF MIVIVIENDA CREDITS IN THE MORTGAGE MARKET 1/ (In thousands of S/)
1,000 , 00
32 .0
90 00 , 00
27 .0
80 0,000
22 .0 70 00 , 00
60 00 , 00
17 .0
14.7
50 00 , 00
40 00 , 00
11.8
12.7
12.1
11.7
13.2 11.5
10.9 8.9
8.8
8.6
9.1
10.1
9.1
10.7
10.8
12.0
10.7 8.6
12 .0
11.2 9.1
8.5
30 00 , 00
7.6
9.2 7.0
20 0,000
2.0
10 00 , 00
FMV
Financial System Total
Sep*
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2016
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2015
Dec
Nov
Oct
-30 .
Sep
0
FMV Participation Rate (%)
Source: SBS and 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.
7 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 CHART 1.1.3: MORTGAGE PORTFOLIO BALANCE OF MIVIVIENDA CREDITS AND FINANCIAL SYSTEM
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
Oct
Nov
Dec
Jan 2015
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan 2016
Feb
Mar
Apr
May
Jun
Mortgage Portfolio Balance of FMV 2/
15.3
15.3
Sep 1/
15.4
Aug
15.4
Jul
15.4
Sep
(In Millions of Soles)
Mortgage Portfolio Balance in the Financial System
FMV Mortgage Portfolio Participation in the Financial System (%)
Source: SBS and FMV NOTE: (!) Information on Financial System is not available as the preparation of this bulletin. 2/ Trust Agreement – COFIDE (Principal Balance). Neither provisions nor interests are considered.
CHART 1.1.4: NON-PERFORMING LOAN MORTGAGE PORTFOLIO OF FMV1/ AND FINANCIAL SYSTEM (In percentages) 3.25 2.94
3.05 3.06
2.79 2.80 2.72 2.75
2.80
2.58 FMV Average Rate (last 24 months): 2.3 %
2.37
2.43
2.24 1.97
2.32
1.81 1.83 1.80 1.75 1.74 1.77 1.83 1.77 1.78
2.02 2.00 2.00
2.18 2.11 2.14
FMV
Financial System Mortgage
Aug
Jul
Jun
May
Apr
Mar
Feb
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
Jan 2015
1.65 1.66 1.58 1.59 1.61 1.51 1.53 1.47 1.46 1.43
Dec
Nov
Oct
Sep
Aug
1.33 1.33 1.37 1.36
1.92
Jan 2016
1.66 1.67 1.68
2.13 2.06 2.09 2.05
FMV without CRAC Señor de Luren
Source: SBS and FMV NOTE: 1/ Non-performing loan rate of IFI regarding Mivivienda Credit Portfolio.
8 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 CHART 1.1.5: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT 2015 Products
2016
'Variation (Unit)
2014 QI
Q2
Jul
Aug
Sep
Oct
Nov
Dic
Total
QI
Q2
Jul
Aug
Sep 16 Sep 15
Sep
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
12
5
3
6
2
2
3
5
2
28
6
17
1
1
2
0
1
3
0
1
1
5
0
0
0
0
0
-1
10,777
2,126
2,038
831
822
9,090
2,096
2,316
482
632
686
-145
Nuevo Crédito Mivivienda
MiCasa Más MiTerreno Total
812
860
Nuevo Crédito Mivivienda
MiConstrucción
2 1
1 3
2 2
34
2 21
52 72
74
115
3 7
3
50
3
61
2
1
2
14
FCTP
MiCasa Más
716
29
29
5
MiTerreno
6
3
4
45
44
26
2 30
15
53
19 42
4 3
4 30 25
2
7
5
5
543
686
7
2
7
4
10
1
10 2
2
2 1 797
782 721
811
774
711
660
635
21
1
745
699 584
20
1
21
62 709
32
32
58
763
1 2
2 6
40
24
60
790
747
831
863 12
854
678
646
693
741
1 698
3 629
576
672
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
2016 Jan
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
2015 Jan
Dec
Nov
Oct
Sep
478
Source: FMV
CHART 1.1.6: PLACEMENTS OF MIVIVIENDA CREDITS PER TYPE OF IFI AND IN ACCORDANCE TO IFI Placements of Mivivienda Credits per Type of IFI – September 2016
Part. %
411
CMAC 1/ 17%
Finance Company 14%
Banks 60% 115
97 59
Edpyme 2/ 9% 4
Banks
CMAC 1/
Finance Company
Edpyme 2/
CAC 0.3%
CAC 3/
Placements of Mivivienda Credits per IFI – September 2016 Part. %
163
CMAC Sullana 13%
97
Banco Financiero 12%
Interbank 10%
80 73
71 62
Edpyme MiCasita 8%
Financiera TFC 14%
59 41
BIF 7%
40 BCP 16%
BBVA 7% Other IFI 14%
BCP
Financiera TFC
CMAC Sullana
Banco Interbank Financiero
Edpyme MiCasita
BIF
BBVA
Other IFI
Source: FMV Note: 1/ Municipal Savings and Loans Institutions 2/ micro-Enterprise Development Company 3/ Credit Unions
Developed by: Planning, Foresight and Organizational Development Office - FMV
9
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 1/
CHART 1.1.7. PLACEMENTS OF MIVIVIENDA CREDITS ACCORDING TO METROPOLITAN LIMA Y PROVINCES Mivivienda Credits according to Metropolitan Lima and Provinces
390
357
465
420
373
337
376
273
362
367
286
364
Metropolitan Lima
214
441
402
Sep
389
Oct
Nov
374
Dec
381
361
2016 Jan
Feb
485
415
330
360 268
Mar
Provinces
Apr
May
Jun
Jul
346
322
Aug
Sep
Mivivienda Credits according to Metropolitan Lima and Provinces ( Part. %)
53%
47%
42% 51%
54%
50%
42%
45%
51%
53%
50%
44%
45% 53% Provinces Metropolitan Lima
47%
Aug
53%
58% 49%
46%
Oct
Nov
Sep
50%
49%
Dec
2016 Jan
58%
55% 47%
Feb
Mar
Apr
May
50%
Jun
56%
55% 47%
Jul
Aug
Sep
Source: FMV NOTE: 1/ Metropolitan Lima considers the provinces of Lima and Callao.
CHART 1.1.8: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION 1/ Mivivienda Credits by Region - September 2016 Mivivienda Credits by Region– September 2016
321
82
79 57
51 20
19
15
11
9
6
4
2
2
2
2
1
1
1
1
Source: FMV Source: FMV NOTe: 1/ The brighter colors indicate greater number of placements.
Developed by: Planning, Foresight and Organizational Development Office - FMV
10
1.2 Products, Financial Institutions and Regions
11
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.1: DISBURSEMENTS OF MIVIVIENDA CREDITS AS OF SEPTEMBER 30, 2016 Credits Disbursed Year
Accumulated
Number
Amount c/ (In thousands of S/) 10,230,712
Number
Amount c/ (In thousands of S/)
TOTAL
118,577
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
2016 b/
6,212
670,602
118,577
10,230,712
Source: FMV 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).
TABLE 1.2.2: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCTc/AS OF SEPTEMBER 30, 2016 Year
MIVIVIENDA Tradicional
Financiamiento Complementario Techo Propio
Cobertura de Riesgo PBP
MIVIVIENDA Estandarizado
TOTAL
33,294
11,194
5,399
281
3,999
1999 a/
143
-
-
-
-
2000
405
-
-
-
2001
1,410
-
-
2002
3,590
-
2003
6,834
17
2004
7,960
2005
MiHOGAR
Nuevo Crédito Mivivienda
MiConstrucción
MICASA MÁS
MITERRENO
Total
62,074
2,263
67
6
118,577
-
-
-
-
143
-
-
-
-
-
405
-
-
-
-
-
-
1,410
-
-
-
-
-
-
-
3,590
-
-
-
-
-
-
-
6,851
263
-
-
-
-
-
-
-
8,223
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
2016 b/
-
69
-
-
-
6,046
70
27
-
6,212
Number of credits disbursed
Source: FMV 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.
Developed by: Planning, Foresight and Organizational Development Office - FMV
12
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.3: DISBURSEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AS OF SEPTEMBER 30, 2016 MIVIVIENDA Tradicional
Year
Financiamiento Complementario Techo Propio
Cobertura de Riesgo PBP
MIVIVIENDA Estandarizado
MiHOGAR In Thousands of S/
Nuevo Crédito Mivivienda
MiConstrucción
MICASA MÁS
MITERRENO
Total
10,230,712
c/
TOTAL
2,440,108
199,912
426,383
24,861
225,569
6,814,364
90,008
9,249
260
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
2016 b/
-
1,480
-
-
-
661,993
3,145
3,984
-
670,602
Source: FMV 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).
TABLE 1.2.4: DISBURSEMENTS OF MIVIVIENDA CREDITS BY DESTINATION AND PRODUCT AS OF SEPTEMBER 30, 2016 Destination
Product
1999 2006 a/
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Total
Number of credits disbursed 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
21,122
-
-
-
-
-
-
-
-
-
-
21,122
210
230
1,449
1,240
2,007
2,180
1,153
1,094
551
290
69
10,473
1,200
1,998
586
304
-
-
-
-
-
-
-
4,088
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
MITERRENO
-
-
-
-
-
-
-
-
1
5
-
6
12,172
-
-
-
-
-
-
-
-
-
-
12,172
MIVIVIENDA Tradicional Financiamiento Complementario Techo Propio Cobertura de Riesgo PBP Housing in construction
Land
MIVIVIENDA Estandarizado
MIVIVIENDA Tradicional
Finished housing
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
Nuevo Crédito Mivivienda
-
-
-
-
-
-
-
52
144
368
239
803
Nuevo Crédito Mivivienda
-
-
-
-
-
-
-
-
-
10
67
77
Second use housing Construction of housing in owned land 1/
Source: FMV NOTE: a/ From July 1999. b/ Accumulated from January to September
13 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 Type of IFI
IFI
1999 -
2007
2008
2009
2010
35,823
3,396
4,469
4,810
8,456
11,071
11,309
-
-
3
-
-
-
-
1,038
-
-
-
193
153
446
2006 a/
2011
2012
2014
2015
2016 b/
Total
13,164
10,777
9,090
6,212
118,577
-
-
-
-
3
989
1,258
1,172
517
5,766
2013
Number of credits disbursed TOTAL Banco Falabella BIF
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
Comercio
Bank
CACc/
CAC Quillacoop Caja Metropolitana
CMACd/
CRAC
e/
-
-
-
-
-
22
5
-
27
15
56
97
60
6
80
12
-
1,464
25
3
42
12
37
112
112
143
158
286
329
1,259
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
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
8
-
-
-
-
-
-
-
-
-
-
8
269
-
-
-
-
-
-
-
-
-
-
269 2,707
CRAC Nor Perú
Edpyme Edyficar
-
69
136
238
294
131
133
218
553
534
401
Edpyme Nueva Visión
10
-
-
-
-
-
-
-
-
-
-
10
Financiera CMR
174
-
-
-
-
-
-
-
-
-
-
174
Financiera Confianza
-
-
-
-
-
-
-
1
-
-
-
1
Financiera Solución
34
-
-
-
-
-
-
-
-
-
-
34
-
-
180
535
968
719
34
4
117
388
578
3,523
-
-
-
5
120
58
-
-
-
-
-
183
-
-
-
-
1
33
115
123
35
-
-
307
Financiera TFC Mortgage Company Hipotecaria SURA Other
2
CMAC Ica
Edpyme MiCasita
Finance Company
38
CMAC Huancayo
Edpyme Crear Arequipa Edpyme f/
1,098
Hipotecaria SURA
Source: FMV 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)
Developed by: Planning, Foresight and Organizational Development Office - FMV
14
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.6: PLACEMENTS OF MIVIVIENDA CREDITS BY PRODUCT AND REGION AS OF SEPTEMBER 30, 2016 Region
MIVIVIENDA Tradicional
Financiamiento Complementario Techo Propio
Cobertura de Riesgo PBP
MIVIVIENDA Estandarizado
TOTAL
33,294
11,194
5,399
281
Nuevo Crédito Mivivienda
MiConstrucción
MICASA MÁS
MITERRENO
Total
3,999
62,074
2,263
67
6
118,577
MiHOGAR
Number of credits disbursed
AMAZONAS ANCASH
2
-
-
-
-
104
-
-
-
106
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
-
-
-
-
-
4
-
-
-
4
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
25,672
899
4,232
266
2,557
38,626
480
40
3
72,775
78
-
-
-
1
20
1
-
-
100
-
-
-
-
-
32
-
-
-
32
19
-
2
-
4
142
72
-
-
239
HUANCAVELICA HUANUCO
LIMA LORETO MADRE DE DIOS MOQUEGUA PASCO
1
-
-
-
1
65
-
-
-
67
PIURA
471
738
34
3
266
3,221
410
3
-
5,146
54
206
6
-
11
606
-
-
-
883
SAN MARTIN
127
884
9
-
8
295
8
-
-
1,331
TACNA
272
PUNO
148
-
1
-
3
91
29
-
-
TUMBES
3
-
-
-
-
4
52
-
-
59
UCAYALI
6
390
-
-
-
91
-
-
-
487
Source: FMV
CHART No. 1.2.1: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION (As of September 30, 2016) 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
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
Source: FMV
15 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.7: PLACEMENTS OF MIVIVIENDA CREDITS BY REGION AND ACCORDING TO THE TYPE OF PRODUCT Region
Product
Annual 2012
2013
2014
2015
2016 a/
Number of credits disbursed 11,309
13,164
10,777
9,090
6,212
Nuevo Crédito MIVIVIENDA
22
43
18
17
3
Cred. Complementario TP
111
53
53
14
1
5
2 115
TOTAL AMAZONAS
ANCASH
MICONSTRUCCION
114
102
136
Nuevo Crédito MIVIVIENDA
31
22
9
8
Cred. Complementario TP
169
2
145
336
Nuevo Crédito MIVIVIENDA APURIMAC
MICASA MAS AREQUIPA
MICONSTRUCCION
1
7
7
236
121
3
2
MITERRENO Nuevo Crédito MIVIVIENDA AYACUCHO
MICONSTRUCCION Nuevo Crédito MIVIVIENDA
CAJAMARCA
CALLAO
491
22
286
19 1
58
59
29
10
42
27
5
701
403
215
237
1
7
10
6
108
66
42
26
88 1
713
HUANCAVELICA Nuevo Crédito MIVIVIENDA HUANUCO
ICA
3
5
32
9
11
18
Cred. Complementario TP
469
389
114
73
21
3
4
2
628
760
759
1
1
MICONSTRUCCION 481
MICONSTRUCCION Nuevo Crédito MIVIVIENDA
112
139
115
185
187
Cred. Complementario TP
158
172
79
20
5
3
2
MICASA MAS MICONSTRUCCION Nuevo Crédito MIVIVIENDA
501
Cred. Complementario TP
3
33
6
16
5
454
516
536
369
33
10
1 1
MICASA MAS LAMBAYEQUE
MICONSTRUCCION
70
38 1
MITERRENO Nuevo Crédito MIVIVIENDA
581
647
558
666
583
Cred. Complementario TP
3
14
247
35
24
7
17
16
218
135
32
MICASA MAS LIMA
95
MICONSTRUCCION
3
MITERRENO Nuevo Crédito MIVIVIENDA LORETO
6,089
7,059
5,641
Nuevo Crédito MIVIVIENDA
PASCO
PIURA
1
2
SAN MARTIN
TUMBES
UCAYALI
7 10
4
9
41
18
44
39
10
Nuevo Crédito MIVIVIENDA
1
1
Cred. Complementario TP
18
54
MICASA MAS
1 62
26
23
17
1
1
1
29
164
119
91
7
523
644
679
644
517
137
61
Cred. Complementario TP
9
Nuevo Crédito MIVIVIENDA
66
193
145
Cred. Complementario TP
235
216
23
MICONSTRUCCION 61
1 1
7 25
58
30
23
1
15
13
17
34
32
17
16
17
1
Nuevo Crédito MIVIVIENDA
1
1
1
Cred. Complementario TP
200
8
182
Nuevo Crédito MIVIVIENDA
9
22
60
Nuevo Crédito MIVIVIENDA TACNA
8
46
Nuevo Crédito MIVIVIENDA
3,045
22
Nuevo Crédito MIVIVIENDA
MICONSTRUCCION
MICONSTRUCCION
PUNO
4,359 1
MICONSTRUCCION
MADRE DE DIOS Nuevo Crédito MIVIVIENDA MOQUEGUA
529 2
MICASA MAS
LA LIBERTAD
14
1
Nuevo Crédito MIVIVIENDA
Nuevo Crédito MIVIVIENDA JUNIN
16
1
MICASA MAS
Nuevo Crédito MIVIVIENDA
30
1 10
Cred. Complementario TP
MICONSTRUCCION
182
1
Nuevo Crédito MIVIVIENDA
Nuevo Crédito MIVIVIENDA
321
1
13
MICONSTRUCCION
MICONSTRUCCION
CUSCO
387
8
MICONSTRUCCION Nuevo Crédito MIVIVIENDA
3
MICONSTRUCCION
1
Source: FMV a/ Accumulated from January to September
Developed by: Planning, Foresight and Organizational Development Office - FMV
16
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) Number of Credits per Year Region
AMAZONAS ANCASH
a/
1999-2010
3 289
Amount per Year (In thousands of S/)c/ b/
2011
2012
2013
2014
2015
-
22
43
18
17
3
106
98
111
172
157
150
116
1,093
TOTAL
2016
Region
a/
1999-2010
184
AMAZONAS
11,856
ANCASH
b/
2011
2012
2013
2014
2015
2016
TOTAL
-
1,796
4,086
1,759
2,336
327
10,489
9,714
11,569
2,360
2,417
8,862
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
-
-
-
-
-
1
3
4
-
-
-
-
-
81
314
395
69
5
5
32
9
11
18
149
2,330
416
401
4,322
1,039
1,426
2,131
12,065
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
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
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
2,999,850
670,962
734,315
931,004
760,891
576,753
381,015
7,054,790
79
2
1
-
2
9
7
100
LORETO
3,425
97
45
-
107
1,003
466
5,144
-
-
-
-
-
22
10
32
MADRE DE DIOS
0
-
-
-
-
998
480
1,478
27
-
50
53
80
28
1
239
MOQUEGUA
1,550
-
3,959
3,771
4,811
1,758
113
15,962
HUANCAVELICA HUANUCO ICA JUNIN
LORETO MADRE DE DIOS MOQUEGUA
HUANCAVELICA HUANUCO
LIMA
533,674
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
56,954
11,071
11,309
13,164
10,777
9,090
6,212
118,577
3,931,383
947,295
1,113,574
1,403,186
1,182,406
982,266
670,602
10,230,712
Total
Total
Source: FMV 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) Number of Credits per Year Region
a/
Amount per Year (In thousands of S/)c/ b/
2013
2014
2015
2
-
22
43
18
17
3
105
ANCASH
280
98
111
167
148
150
116
1,070
APURIMAC
18
-
4
1
-
-
-
23
APURIMAC
AREQUIPA
1,779
440
573
343
175
164
146
3,620
AREQUIPA
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
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
28
5
-
2
-
-
-
35
1,606
416
-
270
-
-
-
2,292
2,154
597
302
412
498
325
151
4,439
66,049
29,308
18,517
34,263
39,839
32,228
14,943
235,147
AMAZONAS
HUANCAVELICA HUANUCO ICA JUNIN LA LIBERTAD LAMBAYEQUE LIMA LORETO MADRE DE DIOS MOQUEGUA
Region
b/
2012
2016
TOTAL
a/
2011
1999-2010
AMAZONAS ANCASH
HUANCAVELICA HUANUCO ICA
2011
2012
2013
2014
2015
2016
TOTAL
129
-
1,796
4,086
1,759
2,336
327
10,434
11,394
2,360
2,417
8,582
8,906
11,569
8,847
54,076
1,106
-
378
167
-
-
-
1,651
118,015
39,871
39,167
41,256
20,309
21,351
19,435
299,405
1999-2010
328
84
36
25
6
10
21
510
JUNIN
25,453
9,287
4,319
2,960
491
1,324
2,247
46,081
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
36,629
5,881
5,597
6,300
4,962
3,296
2,296
64,961
69
-
1
2
7
6
85
-
-
-
-
-
-
-
-
26
-
1
-
-
-
1
28
LIMA LORETO MADRE DE DIOS MOQUEGUA
91,534
23,233
52,051
66,179
60,850
60,135
51,079
405,061
2,792,186
616,392
676,684
835,391
648,546
470,219
314,676
6,354,094
3,032
-
45
-
107
753
408
4,346
-
-
-
-
-
-
-
-
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
TACNA
88
-
3
10
34
32
167
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
49,460
9,308
9,289
9,744
7,734
5,640
4,223
95,398
3,550,154
855,115
982,972
1,185,767
931,170
719,451
521,361
8,745,990
Total
Total
Source: FMV 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 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.10: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM MUNICIPAL SAVINGS, BY REGION AND YEARS (AS OF SEPTEMBER 30, 2016) Number of Credits per Year Region
a/
1999-2010
Amount per Year (In thousands of S/)c/
2011
2012
2013
2014
2015
b/
2016
TOTAL
Region
a/
b/
2011
2012
2013
2014
2015
55
-
-
-
-
-
-
55
427
-
-
280
808
-
-
1,515
1999-2010
2016
TOTAL
AMAZONAS
1
-
-
-
-
-
-
1
ANCASH
8
-
-
5
9
-
-
22
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
10
46
36
6
122
CALLAO
1,691
47
0
349
1,984
2,542
396
7,009
AMAZONAS ANCASH
CALLAO
23
1
CUSCO
-
-
-
-
-
-
-
-
CUSCO
-
-
-
-
-
-
-
-
HUANCAVELICA
-
-
-
-
-
1
3
4
HUANCAVELICA
-
-
-
-
-
81
314
395
HUANUCO
27
-
1
2
4
5
13
52
ICA
314
57
203
210
222
310
177
1,493
JUNIN
87
60
65
112
109
159
161
753
LA LIBERTAD
233
21
23
113
123
145
49
707
LAMBAYEQUE
15
2
1
72
69
91
32
282
1,201
194
105
139
381
553
269
2,842
LORETO
-
2
-
-
-
1
-
3
MADRE DE DIOS
-
-
-
-
-
-
-
-
MOQUEGUA
1
-
-
-
4
5
-
10
MOQUEGUA
PASCO
-
1
1
1
-
-
62
65
PIURA
147
1
3
84
67
223
115
640
LIMA
441
-
98
130
311
694
1,451
3,126
10,516
1,306
4,318
6,822
11,507
15,169
7,672
57,310
JUNIN
5,628
6,458
7,208
12,457
13,297
16,388
18,411
79,847
LA LIBERTAD
16,378
419
852
2,344
13,233
15,897
5,005
54,128
LAMBAYEQUE
722
76
150
2,568
4,225
6,311
2,612
16,664
102,055
18,247
13,343
9,647
28,191
41,646
20,554
233,682
LORETO
-
97
-
-
-
180
-
277
MADRE DE DIOS
-
-
-
-
-
-
-
-
70
-
-
-
170
280
-
520
PASCO
-
143
90
70
-
-
2,153
2,456
PIURA
7,331
90
45
2,401
4,595
15,131
8,376
37,968
HUANUCO ICA
LIMA
PUNO
-
-
-
-
51
3
-
54
PUNO
SAN MARTIN
6
9
4
9
5
1
3
37
SAN MARTIN
69
-
-
-
-
-
-
69
TACNA
TUMBES
-
-
1
17
17
18
1
54
UCAYALI
-
-
-
-
4
-
-
4
2,138
353
428
801
1,199
1,712
966
7,597
TACNA
Total
-
-
-
-
2,543
160
-
2,703
328
653
180
464
352
125
270
2,371
4,514
-
-
-
-
-
-
4,514
TUMBES
-
-
15
534
853
1,038
50
2,490
UCAYALI
-
-
-
-
310
-
-
310
150,742
28,051
27,982
39,409
94,342
136,747
77,155
554,429
Total
Source: FMV 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 1.2.11: DISBURSEMENTS OF MIVIVIENDA CREDITS FROM RURAL SAVINGS, BY REGION AND YEARS (AS OF SEPTEMBER 30, 2016) Number of Credits per Year Region
a/
Amount per Year (In thousands of S/)c/ 2013
2014
2015
-
-
-
-
-
-
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
-
-
-
-
-
-
-
-
981
269
435
398
119
-
-
2,202
22,396
4,632
24,471
20,760
9,480
-
-
81,738
-
1
11
2
1
4
-
19
JUNIN
-
70
968
322
130
604
-
2,094
241
31
10
61
23
-
-
366
LA LIBERTAD
11,669
522
539
1,349
350
-
-
14,429
LAMBAYEQUE
LA LIBERTAD
2013
2014
2015
2016
TOTAL
Region
ICA
3
-
2
3
1
-
-
9
68
94
140
398
136
21
1
858
LORETO
9
-
-
-
-
-
-
9
LORETO
MADRE DE DIOS
-
-
-
-
-
-
-
-
MADRE DE DIOS
MOQUEGUA
-
-
-
-
-
-
-
-
PASCO
-
-
-
-
-
-
-
PIURA
11
-
-
170
67
-
LAMBAYEQUE LIMA
-
324
574
151
-
-
1,180
16,887
43,103
16,197
2,575
232
86,475
356
-
-
-
-
-
-
356
-
-
-
-
-
-
-
-
MOQUEGUA
-
-
-
-
-
-
-
-
-
PASCO
-
-
-
-
-
-
-
-
-
248
PIURA
770
-
-
8,783
3,742
-
-
13,294
-
66
193
42
-
-
301
PUNO
230
191
28
-
-
527
SAN MARTIN
TACNA
-
-
-
-
-
-
-
-
TUMBES
-
-
-
-
-
-
-
Total
-
5,187
1
UCAYALI
TOTAL
131
-
SAN MARTIN
2016
2,295
LIMA
77
PUNO
1999-2010
2011
b/
2012
-
JUNIN
2012
a/
-
ICA
2011
b/
AMAZONAS
1999-2010
-
-
2,355
8,058
1,784
-
-
12,197
4,769
72
3,469
4,122
1,252
-
-
13,684
TACNA
-
-
-
-
-
-
-
-
-
TUMBES
-
-
-
-
-
-
-
UCAYALI
-
-
-
-
-
-
-
-
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. 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 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 1.2.12: DISBURSEMENT OF MIVIVIENDA CREDITS FROM OTHER CATEGORIES OF IFI, BY REGION AND YEARS (AS OF SEPTEMBER 30, 2016) Number of Credits per Year Region
a/
2011
2012
b/
2013
2014
2015
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
-
-
-
-
-
-
-
-
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
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
HUANUCO
LIMA
1999-2010
TOTAL
2016
2
-
-
-
52
133
61
248
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
Region
1999-2010
2016
PUNO SAN MARTIN
Amount per Year (In thousands of S/)c/ a/
b/
2011
2012
2013
2014
2015
-
-
-
-
-
-
-
-
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
-
-
-
-
-
-
-
-
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
103,314
31,136
27,401
42,863
67,957
62,314
45,553
380,538
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
AMAZONAS ANCASH
HUANUCO
LIMA LORETO
TOTAL
70
-
-
-
1,879
6,642
3,111
11,701
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
175,946
52,801
47,952
78,644
114,635
120,527
71,613
662,117
PUNO SAN MARTIN
Total
Source: FMV 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).
19 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) Number of Credits by Type IFI 2015 Type of IFI
2014
Bank CMAC a/ b/
CRAC Remainder Entities c/
CAC Edpyme Finance Company Mortgage Otros Total
2016
Var. (Units) Sep16 Sep15
QI
Q2
Jul
Aug
Sep
Oct
Nov
Dic
Total
QI
Q2
Jul
Aug
Sep
7,734 1,199
1,453 337
1,284 398
443 142
480 184
499 158
486 165
510 169
485 159
6,924 2,110
1,495 337
1,515 437
355 46
447 31
411 115
-88 -43
493 1,351 646 553 117 35 10,777
6 330 191 81 58 2,126
17 339 240 56 43 2,038
4 223 66 121 36 812
13 183 67 62 54 860
1 173 55 64 54 831
171 74 56 41 822
175 64 51 60 854
103 18 43 42 747
58 2,036 1,015 590 431 9,090
2 262 21 84 157 2,096
364 13 155 196 2,316
81 2 44 35 482
154 2 59 93 632
160 4 59 97 686
-1 -13 -51 -5 43
-145
Credit Amount by Type of IFI (In thousands of S /) 2015 Type of IFI Bank CMAC a/ CRAC b/ Remainder Entities CAC c/ Edpyme Finance Company Mortgage Otros Total
2014
2016
Var. (Units) Sep16 Sep15
QI
Q2
Jul
Aug
Sep
Oct
Nov
Dic
Total
QI
Q2
Jul
Aug
Sep
931,170 94,342
188,912 29,819
166,302 31,548
57,188 12,081
60,528 13,792
66,384 11,604
58,221 12,590
62,008 13,870
59,909 11,443
885,753 168,295
184,361 26,237
185,721 35,769
43,321 3,503
56,088 2,812
51,871 8,835
-14,513 -2,769
42,259 114,635 45,718 57,740 5,785 5,392 1,182,406
888 28,620 15,368 9,753 3,499 248,238
2,424 23,660 14,979 6,253 2,428 223,935
502 16,666 4,536 10,070 2,060 86,437
1,605 13,100 5,412 4,666 3,022 89,026
121 11,785 4,264 4,490 3,031 89,894
9,875 3,595 3,961 2,319 80,686
10,177 3,118 3,985 3,073 86,054
6,644 896 3,049 2,700 77,997
7,965 144,187 67,147 52,480 24,560 982,266
474 17,814 2,714 6,813 8,287 228,886
27,061 1,256 13,649 12,156 248,551
5,668 234 3,331 2,103 52,492
10,633 215 4,207 6,211 69,532
10,436 388 4,199 5,849 71,141
-121 -1,349 -3,876 -291 2,818
-18,752
Source: FMV NOTE: a/ Municipal Saving and Loan Institutions b/ Rural Saving and Loan Institutions c/ Credits Union
20 Developed by: Planning, Foresight and Organizational Development Office - FMV
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 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).
23
Overall Figures
24
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 CHART 2.1.1: NUMBER AND AMOUNT OF BFH (Number of bonus disbursed and millions of Soles)
7,797 6,971 6,572 5,966 5,003 4,616
4,859 3,808 3,367
124.7
4,569 4,593 4,592
4,336
4,084
4,085 3,952
3,312 3,323
83.4
88.4 60.2
Sep
Oct
Nov
Dec
Jan 2015
68.8
Feb
80.7
74.2 60.7
Mar
Apr
61.1
May
76.2
72.6 52.3
Jul
Aug
111.5
2,536
72.7
52.5
Jun
145.8 2,865 119.4
2,904 90.3
3,982
Sep
Number
Oct
83.4
87.7
84.7
46.4
Nov
Dec
Jan 2016
Feb
Mar
Apr
May
Jun
2,473 2,417 2,555
46.4
50.0
51.9
Jul
Aug
Sep
Amount (millions of S/)
Source: FMV
CHART 2.1.2: NUMBER OF BFH BY MODALITY (Number of bonus disbursed)
2015
6,971
2016
225 270 295
855
216
310
94
3,952
143 248
351
37 34
9 176
487
6,116
4,860
4,368
Oct
Nov
24 296
100 319
Dec
Jan 2015
3,623
Feb
3,530
Mar
Apr
2,904
May
3,742
175
7,302
Construction on Owned Land
Aug
Sep
Oct
Developed by: Planning, Foresight and Organizational Development Office - FMV
136
304
196
2,555
4,290
4,128
Nov
Dic
Jan 2015
Feb
Mar
Apr
82 1
84 242
78 110
2,390
2,091
2,367
Jul
Aug
Sep
4,260
2,457
New Housing Acquisition
Source: FMV
161
5,656 3,764
2,771
Jul
252 27
70 9
5,967
3,599
2,626
Jun
124 94
178
32 62 4,115
2,992
15 328
102 176
4,508 3,296
Sep 2014
17 204
67
May
Jun
Housing Improvement
25
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 CHART 2.1.3: NUMBER AND AMOUNT OF BFH BY MODALITY Number de BFH 2015 Mechanisms
Var. (Units)
2016
2014 QI
Q2
Jul
Aug
Sep
Oct
Nov
Dic
Total
QI
Q2
Jul
Aug
Sep
Sep16Sep15 -1 232
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
New Housing Acquisition
4,260
697
791
204
328
175
62
310
270
2 837
130
594
1
242
110
- 65
0
113
226
17
15
178
32
295
225
1 101
446
513
82
84
78
- 100
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
Housing Improvement Total
Amount de BFH disbursed (miles de S/) 2015 Mechanisms
2014
Var. (Units)
2016
QI
Q2
Jul
Aug
Sep
Oct
Nov
Dic
Total
QI
Q2
Jul
Aug
Sep
Sep16Sep15 -19 962
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
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
0
988
1 980
150
132
1 571
283
2 609
1 991
9 705
3 948
4 570
735
756
699
- 872
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
Housing Improvement Total
Source: FMV
CHART 2.1.4: NUMBER AND AMOUNT OF BFH BY REGION1/ BFH by Region - September 2016 Number of BFH by Region - September 2016 374 357
348 317
193 189 159 134
95 72
67
60
59
53
40 11
9
8
3
3
2
2
Source: FMV
Source: FMV
NOTE: 1/ Intense colors indicate larger disbursements of BFH.
Developed by: Planning, Foresight and Organizational Development Office - FMV
26
2.1 Disbursements, Modalities and Regions
27
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 2.1.1: DISBURSEMENTS OF BFH AS OF SEPTEMBER 30, 2016 Bonus disbursed Year
Accumulated
Number
Amount ( Thousands of S/) 4,299,772
Amount (Thousands of S/)
Number
TOTAL
248,496
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
2016 b/
33,683
634,743
248,496
4,299,772
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 Year
New Housing Acquisition
Construction on Owned Land
Housing Improvement
TOTAL
42,010
200,169
6,317
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
2016 b/
1,077
31,403
1,203
33,683
Total
Number of bonus dibursed 248,496
Source: FMV CHART 2.1.1: NUMBER OF BFH, PER YEARS (As of September 30, 2016)
50,405 45,164
33,683 28,442 23,914 18,735
17,500 12,494
9,288 688
1,912 1,852 2,025 2,394
2003 a/ 2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015 2016b/
Source: FMV 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.
Developed by: Planning, Foresight and Organizational Development Office - FMV
28
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 2.1.3: AMOUNT OF BFH DISBURSEMENTS PER YEAR AND BY MODALITY AS OF SEPTEMBER 30, 2016 Year
New Housing Acquisition
TOTAL
699,108
2003 a/
8,614
2004
Construction on Owned Land
Housing Improvement
Total
3,553,583
47,081
4,299,772
-
-
8,614
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
Thousands of S/
Source: FMV NOTE: a/ From August 2003. b/ Accumulated January-September.
CHART 2.1.2: AMOUNT DISBURSED OF BFH PER YEAR (Thousands of S/ as of September 30, 2016) 924,672 802,795 634,743
455,045
418,110 313,571
298,985 211,944
134,420 8,614 2003 a/
23,311 21,998 23,678 27,886 2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Source: FMV NOTE: a/ From August 2003. b/ Accumulated January-September.
CHART 2.1.3: AMOUNT DISBURSED OF BFH BY MODALITY (Thousands of S/ as of, September 30, 2016) 1000 9.7
900
53.5
800 77.7
700
600
11.6
500
67.2
400 5.1
200
0.5
8.6
23.3
21.9 0.1
2003 a/
2004
2005
100 0
24.7
23.2
23.4 0.2
4.1
2006
2007
31.3
0.1
3.7
95.0
300
2.8 2.9
446.3
861.4
725.1
216.5
599
355.4
102.0
98.0
Construction on Owned Land
62.6
79.7
107.0 214.9
2008
10.7
2009
2010
2011
New Housing Acquisition
2012
2013
2014
2015
2016b/
Housing Improvement
Source: FMV NOTE: a/ From August 2003. b/ Accumulated January-September.
Developed by: Planning, Foresight and Organizational Development Office - FMV
29
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 2.1.4: NUMBER OF BFH DISBURSEMENTS BY REGIONS AND YEARS AS OF SEPTEMBER 30, 2016 2003 a/
Region
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Total
248,496
Number of bonus disbursed TOTAL
688
1,912
1,852
2,025
2,394
9,288
28,442
18,735
12,494
17,500
23,914
45,164
50,405
31,128
-
-
-
-
-
22
162
53
10
90
-
151
1,117
901
2,506
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
PIURA
-
-
3
42
42
199
2,115
1,268
648
1,200
3,603
6,512
7,673
4,864
PUNO
AMAZONAS ANCASH
379 28,169
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
Source: FMV NOTE: a/ From August 2003. b/ Accumulated from January to September.
CHART 2.1.4: NUMBER OF BHF DISBURSEMENTS BY REGION (As of September 30, 2016) 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 PAS CO MADRE DE DIO S
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
Source: FMV
30 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 Region
2003 a/
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 b/
Total
4,299,772
Thousands of S/ 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
-
-
-
-
-
328
2,650
888
168
1,527
-
2,653
20,152
16,474
44,840
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
AMAZONAS ANCASH 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
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
LIMA
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
Source: FMV NOTE: a/ From August 2003. b/ Accumulated from January to September.
CHART 2.1.5: AMOUNT DISBURSED OF BFH BY REGION (Thousands of S/ as of September 30,2016) ICA LA LIBERTAD PIURA LIMA SAN MARTIN LAMBAYEQUE ANCASH CALLA O JUNIN AYACUCHO AREQUIPA HUANCAVELICA LORETO AMA ZONA S PUNO CAJAMARCA HUANUCO UCAYALI TACNA CUSCO APURIMAC TUMBES MOQUEGUA PAS CO MADRE DE DIO 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
Source: FMV
31 Developed by: Planning, Foresight and Organizational Development Office - FMV
FMV STATISTICS: SITUATION AT SEPTEMBER 2016 TABLE 2.1.6: NUMBER OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF SEPTEMBER 30, 2016 Construction on Owned Land
Region
New Housing Acquisition
TOTAL
42,010
200,169
6,317
248,496
-
2,504
2
2,506
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
-
2,831
1
2,832
168
1,433
1
1,602
9,979
54,303
974
65,256
Housing Improvement
Total
Number of bonus disbursed
AMAZONAS ANCASH
HUANCAVELICA HUANUCO ICA 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
Source: FMV
TABLE 2.1.7: AMOUNT OF BFH DISBURSEMENTS BY REGION AND MODALITY AS OF SEPTEMBER 30, 2016 Region
New Housing Acquisition
Construction on Owned Land
TOTAL
699,108
Housing Improvement
Total
3,553,583
47,081
4,299,772
-
44,826
13
44,840
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
-
72,373
7
72,379
2,627
25,682
7
28,317
168,221
937,552
7,716
1,113,488
Thousands of S/
AMAZONAS ANCASH
HUANCAVELICA HUANUCO ICA 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
-
13,355
27
13,382
MOQUEGUA 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
Source: FMV
32
Developed by: Planning, Foresight and Organizational Development Office - FMV
2.2 Authorized Centers, Signed Agreements and Technical Entities
33
CHART 2.2.1: SIGNED AGREEMENTS & AUTHORIZED CENTERS (Updated AS OF SEPTEMBER 30, 2016) AYACUCHO
100
JUNIN
AREQUIPA
95 95
76
110
73 74
SAN MARTIN CUSCO
87
72
HUANCAVELICA
75
67
PUNO
77
52 31
LA LIBERTAD
48
HUANUCO
52
47
39
ICA
CAJAMARCA
40
46
50
38 37
LAMBAYEQUE 33
PIURA
SIGNED AGREEMENTS
36
34 34
APURIMAC
AUTHORIZED CENTERS
30 30
AMAZONAS LIMA
27
35
25 25
TACNA 14
ANCASH
Total of Authorized Centers: 1,032 Total of Signed Agreements: 1,097
24
MOQUEGUA
21
PASCO
21
24 26
19 18
LORETO 12
TUMBES 6
MADRE DE DIOS UCAYALI CALLAO
103
9
0
16
12 12
2
Source: FMV
CHART 2.2.2: NUMBER OF CURRENT TECHNICAL ENTITIES BY REGION (Updated AS OF SEPTEMBER 30, 2016)
Technical Entities by Region
Number of Current Technical Entities by Region
LA LIBERTAD
212
LIMA
156
ICA
69
SAN MARTIN
51
PIURA
50
LAMBAYEQUE
26
JUNIN
19
ANCASH
15
CAJAMARCA
9
LORETO
5
CALLAO
5
AMAZONAS
5
CUSCO
3
HUANUCO
3
MOQUEGUA
3
APURIMAC
2
AREQUIPA
2
UCAYALI
2
MADRE DE DIOS
1
PASCO
1
TACNA
1
HUANCAVELICA
0
Total Number: 640
Source: FMV – Social and Building Project Management
Developed by: Planning, Foresight and Organizational Development Office - FMV
Source: FMV
34
CHAPTER III
35
-EXECUTIVE SUMMARYBono 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.
TABLE 3.1: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF SEPTEMBER 30, 2016 1/ ATE
CARABAYLLO
COMAS
EL AGUSTINO
INDEPENDENCIA
PUENTE PIEDRA
Month/Year Número
Monto
112
1 680
TOTAL
SAN JUAN DE LURIGANCHO
SAN JUAN DE MIRAFLORES
VENTANILLA
VILLA MARÍA DEL TRIUNFO
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
Número
Monto
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
-
140
1 680
-
-
14
168
-
-
-
-
-
-
-
-
-
-
154
1,848
19
228
-
-
3
36
-
-
-
-
-
-
-
-
-
-
44
528
1
12
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1
-
-
-
-
-
-
-
-
Jan15
-
-
Feb15
-
-
Mar15
-
-
-
-
Apr15
-
-
-
-
-
-
-
-
-
-
-
-
May15
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Jun15
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Jul15
-
-
20
240
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Aug15
-
-
30
360
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
22
264
-
52
624
Sep15
-
-
Oct 15
-
-
Nov 15
-
-
Dic 15
-
-
15
180
Jan 16 Feb 16
-
-
38 11
561 132
-
13
192
18
270
40
600
18
270
11
17
255
3
Mar 16
-
Apr 16
30
May 16
15
-
Jul16
-
-
67
Sep16
1 005 -
-
-
16
156 -
225 -
Aug16
13
450
Jun 16
TOTAL
Número
-
192
14
168
-
14
168
-
-
-
-
20
240
-
-
82
984 312
-
-
10
-
-
-
-
-
26
-
-
-
10
-
-
-
-
-
-
-
-
23
-
-
-
-
-
-
-
-
16
192
-
-
-
-
-
-
16
192
1 443
-
-
-
-
-
-
94
1 128
-
-
-
-
-
-
208
2,751
-
-
-
-
-
-
-
74 89
1 092 1 302
-
-
20
-
-
-
132 132
1,893 1,914
-
-
-
-
-
14
210
63
756
-
-
23
34
510
147
2,013
-
-
-
-
52
768
26
390
-
-
-
-
27
405
193
2,883
165
-
-
-
-
-
-
122
1 830
-
-
-
114
1 710
280
4,200
45
-
-
-
-
-
-
55
822
19
285
-
-
-
94
1,407
45
34
507
4
60
-
-
44
660
95
1,422
1 026
8
120
187
2,721
-
22
330
224
3,360
99 32
480 -
120 120
-
-
-
10
150
-
-
-
-
-
-
10
150
-
-
-
-
-
-
27
405
1
15
49
735
210
-
-
21
315
57
855
34
510
405
-
-
-
27
12
-
14
3
240 345
74 -
-
276
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
CHART 3.1: NUMBER AND AMOUNT OF BPVV DISBURSEMENTS BY DISTRICTS AS OF SEPTEMBER 30, 2016 Number of BPVV: January 2015-September 2016
4,200 3,360 2,877
2,751
280 2,721 224
208
1,848 154
147 132 132
984 528 44
82 12
0
1
0
168 14
0
240
1,4071,422 94
20
26
Jul
Ago Sep
Number
187
95
312 276 192
0
Jan Feb Mar Apr May Jun 2015
1,8931,914 2,013 193
23
16
Oct Nov Dec Jan Feb Mar Abr May Jun 2016
Jul
Ago Set
Amount in thousands of S/
Source: FMV
Source: FMV
36 Developed by: Planning, Foresight and Organizational Development Office - FMV