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With queues at branches, 600,000 visits to the site, and 300 folders 6000 precalificaciones approved, the Mortgage Bank said yesterday that in 42 days approving the loans. The bank has a deposit of $ 300 million ANSES that would give him 8,000 pesos in mortgage rates to a fixed term of 15 years. So far in applications puts the middle-class families with a household income of between 5,000 to 6,000 pesos.
ANSES as deposits in dollars and pesos in the bank lends, it devised a system of coverage and the launch of future mortgage bonds to cover such a mismatch, according to spokesmen for the mortgage.
The 42 working days which is committed in providing mortgage credit, from the beginning of the plan with the pre-deed to the property.
Among the requirements for applying for the loans include the age, from 21 to 65 years, a minimum income of $ 2,000, dependent on at least 6 months or if the independent evidence of 1 years in the business. Another issue to consider is that the quota should not exceed 40% of monthly income. This is an advantage over commercial banks that impose a ceiling of 25% of income to share –
The government’s plan includes four options of loans: Construction (20 years), Enlargement (15 years) New Homes (within 15 years) and used dwelling (at 15 years). In the case of buying a new home, the fee ranges from $ 862 for a credit of $ 55,000 in 4524 for the maximum amount of loan of $ 300,000. To purchase a used house amounts of contributions and loans are similar.
For the construction of housing starts in the $ 845 fee for an income of $ 2,000 and a loan of $ 68,500 and reaches a fee of $ 3637 for a family income of $ 9,000 to the appropriation of $ 300,000.
According to a study by consultancy abeceb with the Government’s plan, 9.6% of households in the country, about 700,000, could have access to housing through loans averaging $ 200,000.
Mortgage Bank’s commitment on the timing of granting loans is related to the bureaucratic obstacles that arise with other government initiatives that in the end failed.
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