07/29/2021 10:51 AM
Clarín.com
Economy
Updated 07/29/2021 11:24 AM
The Ministry of Territorial Development and Habitat of the Nation
reopened the registration so that families
from all over the country who
receive a minimum wage
can access a mortgage loan through the Own Home Credits line and start building their homes.
This new segment, presented on Wednesday, will contemplate those who
receive a Minimum Vital and Mobile Salary,
and those who are beneficiaries or beneficiaries
will be able to build homes on their own lot, with a credit amount of up to $ 4.3 million and a maximum term 30-year return
, the ministry said in a statement.
Regarding this new instance of inscriptions, Minister Jorge Ferraresi pointed out that
"public policies have to come to stay
and that is the idea of these initiatives that we carry out together with the entire national Cabinet, and the provincial and municipal governments."
"We continue to expand rights as requested by President Alberto Fernández so that more Argentines can access their own home," he said.
Like the credits already drawn previously,
this new installment will be adjusted by the new Hog.Ar
capital update
formula
based on the evolution of the Salary Variation Coefficient (CVS).
Thus, it is guaranteed that the update of the quotas moves according to how wages evolve.
This formula does not take into account inflation or a specific interest rate.
Own Home Requirements
It will not require prior savings
and those who meet the requirements detailed in the bases and conditions that are available on the program's website will be able to enroll.
On the other hand, Ferraresi, together with the Secretary of Territorial Development, Luciano Scatolini,
provided mortgage loans for the construction of the Own Home Credits line in Arrecifes, Colón, Baradero and San Pedro.
Through a videoconference, the minister met some of the winners of these credits drawn in May, to whom he explained that
from now on they will be able to start building their new homes
of up to 60 square meters
, which must be built on their own lot. .
With the aim that more and more families have the opportunity to access their home, the Secretary of Habitat, Santiago Maggiotti, also
provided zero-rate mortgage loans for the construction of the aforementioned line.
Requirements
Be
a natural Argentine or by choice
, or a
foreigner with permanent residence
.
Have a
valid National Identity Document
.
Have income from formal jobs, retirements and / or pensions.
The sum of the household's net monthly income must be between
$ 27,000 and $ 175,000.
Be between
18 and 64 years old
at the time of enrollment.
Not being owners or co-owners of real estate, except in the cases provided for in the Terms and Conditions.
Do not register unfavorable financial records in the last 9 months.
Not be inhibited
.
Register 12 months of seniority in the activity (employees and independent).
Land will not be accepted that:
are in gated or private neighborhoods, that their appraisal exceeds $ 3,500,000,
or that are not owned by the applicants (except direct relatives).
The land must be deeded before 8/31/2021, unless the land comes from a public body.
It will only be possible to build the Model Homes of the Program (with the exception of those who build at the back or above their parents' house).
The construction must be destined to a single, family and permanent occupancy dwelling
and must not exceed 60 m2 of surface.
Land owned by the parents or children of any of the applicants will be accepted, as long as a house is already built on it.
Co-ownership
Participants may include only one co-owner, to whom they must be linked by any of the following links: marriage, in this case, the spouse will be considered co-owner automatically.
Coexistence union.
De facto union, provided that the addresses declared by the owner and joint owner coincide.
All notifications within the framework of these bases and conditions will be made to the email address declared by the participant in the registration form. {
To register, those interested may enter: https://www.argentina.gob.ar/habitat/casapropia/construccion.
YN
Look also
Inflation with a gender perspective: Domestic Trade put together a guide to good commercial practices
The ANSeS clarified the requirements that women without contributions and with children must meet to retire
