Techo Propio or Mivivienda: how do Peru's housing programs differ, and which fits you?
Techo Propio gives a housing grant (Bono Familiar Habitacional) to buy, build or improve social-interest housing; in 2026 a new home cannot cost more than S/ 109,100 (house) or S/ 136,100 (apartment). Mivivienda is a mortgage with a Bono del Buen Pagador, for homes from S/ 69,900 to S/ 367,600. Neither grant is repaid.
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El Peruano
Checked 1 Oct 2026Next review 29 Mar 2027
Two different programs, not two names for one
Techo Propio and Mivivienda are both state housing programs, but they work differently.
| Techo Propio | Mivivienda | |
|---|---|---|
| What it is | A grant, the Bono Familiar Habitacional (BFH) | A mortgage in soles, with the Bono del Buen Pagador (BBP) |
| What for | Buying, building on your own land, or improving social-interest housing | Buying a home with financing from a bank or lender |
| 2026 price cap (new home) | S/ 109,100 (single-family) or S/ 136,100 (multi-family) | S/ 367,600 |
| Is the grant repaid? | No: “sin cargo de restitución” | No: “ayuda económica directa no reembolsable” |
| How many times? | Once | Once |
Techo Propio: the Bono Familiar Habitacional
Decreto Supremo 012-2026-VIVIENDA restates what Ley 27829 says about the grant: it is given “por una sola vez a los beneficiarios, […] sin cargo de restitución por parte de éstos” (once, with no obligation to return it), as “un incentivo y complemento de su ahorro y de su esfuerzo constructor” (an incentive and complement to the family’s own savings and building effort). It can only be used to buy, build on your own land, or improve social-interest housing (vivienda de interés social, VIS).
For buying a new home, the same decree sets the 2026 caps:
| Type of home | Maximum price |
|---|---|
| Single-family, 35 m² or more of built area | S/ 109,100 |
| Apartment building, residential complex or quinta, 40 m² or more | S/ 136,100 |
| Single-family, 25 to under 35 m² (transitional rule) | S/ 106,000 |
The grant does not cover the whole price. Under article 5.1 of the Operating Regulation, the purchase contract must state “el valor del BFH, del Ahorro y del Financiamiento Complementario de corresponder”: the grant, plus your savings, plus a loan if one is needed.
Who can apply
Article 17 of the Operating Regulation sets four conditions for the family group:
- Be a family group. For example, one person and at least one relative up to the second degree who live together, a married or cohabiting couple, or a blended family.
- Stay under a maximum monthly family income. The regulation does not fix the figure: the Ministry of Housing’s statistics office calculates it each year from the national household survey (article 17.2.1).
- Not have received state housing support before.
- Not own a home, land, or independent air rights for housing.
If you are a foreigner, note this: the regulation allows foreign members in the family group, but then “la JF debe ser de nacionalidad peruana” — the head of the family must be a Peruvian national (article 17.1.3). The head of the family and their dependants must live in Peru.
The grant amount
The regulation sets the BFH amount in UIT, by type of home. We do not reproduce it here for two reasons: the regulation’s table still refers to 2024 home values, and there are drafts to change the regulation, explained in «Possible changes ahead» below. Before you sign, ask for the amount in writing and confirm it with the Fondo MIVIVIENDA.
Mivivienda: the mortgage and the Bono del Buen Pagador
Under the regulation of Ley 29033, the Bono del Buen Pagador is an “ayuda económica directa no reembolsable, que se otorga a través de las instituciones financieras intermediarias, a las personas que han cumplido con los requisitos y procedimientos de asignación y otorgamiento determinados por el FMV”: direct, non-repayable aid given through banks and lenders to people who meet the requirements the Fondo MIVIVIENDA sets. It also says “el BBP es otorgado por una única vez”: it is given once.
The amount depends on the home’s value. Decreto Supremo 011-2026-VIVIENDA set the 2026 values:
| Home value | Bono del Buen Pagador |
|---|---|
| S/ 69,900 to S/ 99,600 | S/ 27,800 |
| Over S/ 99,600 to S/ 149,200 | S/ 23,200 |
| Over S/ 149,200 to S/ 248,300 | S/ 21,200 |
| Over S/ 248,300 to S/ 367,600 | S/ 7,900 |
These values are updated once a year. The same regulation provides larger amounts in two cases: for sustainable homes, and the BBP Integrador for people on lower incomes, older people, people with disabilities, displaced people and returning migrants.
The requirements for the loan and the grant are not in the decree: the norm leaves them to the Fondo MIVIVIENDA. That is why we do not list them here. Ask the Fondo or the bank before you reserve a home.
How to choose
- If your budget is under Techo Propio’s caps and your family meets its requirements, Techo Propio is usually the first route to check, because the grant tops up your savings and is not repaid.
- If the home costs more than Techo Propio’s cap, or you do not qualify, the Crédito Mivivienda range goes up to S/ 367,600.
- There is an overlap. A home costing, say, S/ 100,000 falls within both price ranges. Which program suits you then depends on your eligibility, your savings and the amounts in force when you apply.
Neither program changes your rights as a buyer against the developer. If something goes wrong with the project or the handover, the rules are those in buying a home in Peru.
What this page does not cover
We do not give the Bono Familiar Habitacional amount, Techo Propio’s current income cap, or the Crédito Mivivienda requirements, for the reasons above. We also do not cover the build-on-your-own-land and home-improvement options, or what happens if the grant is not paid out.
How to file
- Place the price of the home you are looking atUp to S/ 109,100 (house) or S/ 136,100 (apartment) is within Techo Propio's 2026 cap for new homes. Between S/ 69,900 and S/ 367,600 is the Bono del Buen Pagador range. There is a band where both overlap.
- Check whether your family meets Techo Propio's requirementsA family group, income below the current maximum, no previous state housing support, and no home or land already owned. If anyone in the group is a foreigner, the head of the family must be Peruvian.
- Confirm the current amounts before signingThe Techo Propio grant is set in UIT by type of home and its regulation is being amended. The Bono del Buen Pagador changes every year by decree. Ask the developer for the amount in writing and confirm it with the Fondo MIVIVIENDA.
- Read the reservation and purchase contractsUnder Techo Propio, the contract must state the price, the grant, your savings and any complementary financing (article 5.1 of the regulation). If something does not match, raise it before signing.
Possible changes ahead
None of this is law in force yet. What this page explains is what applies today; this is what could change it.
Draft published for comments
Resolución Ministerial N.° 214-2026-VIVIENDA (draft amendment to the Operating Regulation approved by Resolución Ministerial 0104-2025-VIVIENDA)
- Where it stands
- Draft published for comment in El Peruano on 2 June 2026, with 15 calendar days for comments. As of 30 September 2026 we found no resolution in El Peruano approving it.
- What it would change
- It would amend the rules that govern buying a new home with Techo Propio today. The resolution published in El Peruano does not say which articles change, and the draft text is only on gob.pe; we did not read it. So we do not know whether it changes the grant amount.
- How it would take effect
- Only if the Ministry of Housing approves a final version through a new ministerial resolution published in El Peruano. That resolution will set its start date. A draft binds no one.
- When
- No date set.
«Se dispone la publicación del proyecto de Resolución Ministerial que modifica el Reglamento Operativo para acceder al Bono Familiar Habitacional en la modalidad de Adquisición de Vivienda Nueva, aprobado por la Resolución Ministerial Nº 0104-2025-VIVIENDA, el mismo día de la publicación de la presente Resolución Ministerial en el diario oficial El Peruano [...]»Draft published for comments
Resolución Ministerial N.° 270-2026-VIVIENDA (draft new Operating Regulation for the Bono Familiar Habitacional, new-home purchase track)
- Where it stands
- Draft published for comment in the extraordinary edition of El Peruano on 20 July 2026, with 15 calendar days for comments. As of 30 September 2026 we found no resolution in El Peruano approving a final version.
- What it would change
- It would replace the rules that govern buying a new home with Techo Propio today (Resolución Ministerial 0104-2025-VIVIENDA). According to the resolution itself, the three main changes would be: the complementary financing could also be a non-mortgage housing loan from a financial institution; projects financed through a securitization trust with Fondo MIVIVIENDA's participation would be included; and an exceptional value of «el 25% al valor del BFH» would apply when the head of household is a student aged 20 to 28 in the final years of study. For someone comparing programs, the most visible change is that exceptional grant value for young students. We did not read the full draft.
- How it would take effect
- Only if the Ministry of Housing approves a final version through a new ministerial resolution published in El Peruano. That resolution will set its start date. A draft binds no one.
- When
- No date set.
«siendo los cambios principales: i) Establecer que el Financiamiento Complementario también comprende al crédito complementario habitacional no hipotecario otorgado por una Institución Financiera Intermediaria con recursos propios; ii) Incluir de acuerdo al tipo de financiamiento los proyectos estructurados mediante un Fideicomiso de Titulización con participación del FMV; iii) Establecer como valor excepcional el 25% al valor del BFH en los casos en los que el Jefe de Familia es un joven estudiante (20 a 28 años) que esté cursando los últimos años de estudio debidamente acreditado, entre otros»What people fail to ask in time
What happens to what you paid if the developer's project falls through?
Find out before it matters →What most people believe — and what the law says
Techo Propio and Mivivienda are the same thing under two names.
No. Techo Propio gives a housing grant (Bono Familiar Habitacional) for social-interest housing with low price caps. Mivivienda is a mortgage, and the Bono del Buen Pagador goes to people who take that mortgage, for homes up to S/ 367,600 in 2026.
You have to pay the grant back if you later sell the home.
Both norms describe the grant as non-repayable. The Bono Familiar Habitacional is given "sin cargo de restitución" (with no obligation to return it), and the Bono del Buen Pagador is "ayuda económica directa no reembolsable" (direct, non-repayable aid). Any conditions in the contract or program rules about the home itself are a separate matter this page does not cover.
Anyone can apply for Techo Propio.
The regulation requires a family group, income under a maximum, no previous state housing support, and no home or land already owned (article 17).
A foreign resident cannot take part in Techo Propio at all.
The regulation does not exclude foreigners as family members, but if any member is a foreigner, the head of the family must be Peruvian (article 17.1.3).
The Techo Propio grant is a fixed amount that never changes.
The regulation sets it in UIT by type of home, and it has been changed several times. Confirm the current amount before you sign.
Frequently asked questions
What is the main difference between Techo Propio and Mivivienda?
Techo Propio gives a grant to buy, build on your own land or improve social-interest housing, topped up with your savings and, if needed, a loan. Mivivienda is a mortgage in soles from banks and lenders using Fondo MIVIVIENDA funds, and the Bono del Buen Pagador is added to that loan.
What is the most a Techo Propio home can cost in 2026?
For new-home purchases, up to S/ 109,100 for a single-family home with 35 m² or more of built area, and up to S/ 136,100 in an apartment building, residential complex or quinta with 40 m² or more (Decreto Supremo 012-2026-VIVIENDA). A transitional cap of S/ 106,000 applies to certain single-family homes of 25 to under 35 m².
How much is the Bono del Buen Pagador in 2026?
It depends on the home's value: S/ 27,800 for homes from S/ 69,900 to S/ 99,600; S/ 23,200 up to S/ 149,200; S/ 21,200 up to S/ 248,300; and S/ 7,900 up to S/ 367,600 (Decreto Supremo 011-2026-VIVIENDA).
Can I get the grant more than once?
The norms say both grants are given only once. One of Techo Propio's requirements is also that you have not received state housing support before.
What does the Crédito Mivivienda require?
The norm leaves the requirements and procedures for the Bono del Buen Pagador to the Fondo MIVIVIENDA. We do not reproduce them here because we did not read them in a published norm; ask the Fondo or the bank before you reserve a home.
The exact law
Decreto Supremo N° 012-2026-VIVIENDAConsiderando (sobre el artículo 1 de la Ley N° 27829)read
What Techo Propio's Bono Familiar Habitacional is
«se crea el Bono Familiar Habitacional (BFH), como parte de la política sectorial del Ministerio de Vivienda, Construcción y Saneamiento (MVCS), el mismo que se otorga por una sola vez a los beneficiarios, con criterio de utilidad pública, sin cargo de restitución por parte de éstos y constituye un incentivo y complemento de su ahorro y de su esfuerzo constructor, el cual se destina exclusivamente a la adquisición, construcción en sitio propio o mejoramiento de una Vivienda de Interés Social (VIS)»
↳Artículo 1read
2026 maximum values for social-interest housing bought new
«Unifamiliar, con área techada igual o mayor a 35 m² Hasta S/ 109,100 Edificio Multifamiliar/Conjunto Residencial/Quinta, con área techada igual o mayor a 40 m² Hasta S/ 136,100»
Resolución Ministerial N° 0104-2025-VIVIENDA (Reglamento Operativo para acceder al Bono Familiar Habitacional en la modalidad de Adquisición de Vivienda Nueva)Artículo 17read
The four requirements to be an eligible family group in Techo Propio
«El GF para ser considerado GFE debe cumplir con lo siguiente: - Constituir GF. - Tener un Ingreso Familiar Mensual máximo. - No haber recibido apoyo habitacional previo del Estado. - No ser propietario de vivienda, terreno, o aires independizados para vivienda.»
↳Artículo 17, numeral 17.1.3read
If any family member is a foreigner, the head of the family must be Peruvian
«En el caso que algún miembro de un GF sea extranjero, la JF debe ser de nacionalidad peruana.»
↳Artículo 17, numeral 17.2.1read
The maximum family income is calculated each year by the Ministry of Housing
«El IFM no debe ser superior al valor estimado por la Oficina General de Estadística e Informática (OGEI) del MVCS, sobre la base de la información obtenida de la Encuesta Nacional de Hogares (ENAHO) del año anterior»
↳Artículo 5, numeral 5.1read
The price is made up of the grant, your savings and, if needed, a loan
«El valor de la VIS es el precio estipulado en el Contrato de Compraventa respectivo acordado entre el GFE y el Promotor sobre condiciones de mercado, en el que además se indica el valor del BFH, del Ahorro y del Financiamiento Complementario de corresponder.»
Decreto Supremo N° 011-2026-VIVIENDA (modifica el Reglamento de la Ley N° 29033)Artículo 3read
2026 home-value ranges and Bono del Buen Pagador amounts
«De S/ 69,900.00 hasta S/ 99,600.00 27.88% S/ 27,800.00 Mayor a S/ 99,600.00 hasta S/ 149,200.00 15.51% S/ 23,200.00 Mayor a S/ 149,200.00 hasta S/ 248,300.00 8.53% S/ 21,200.00 Mayor a S/ 248,300.00 hasta S/ 367,600.00 2.14% S/ 7,900.00»
Decreto Supremo N° 004-2024-VIVIENDA (modifica el Reglamento de la Ley N° 29033)Artículo 1 (numeral 2.1, literal a, del Reglamento)read
The Bono del Buen Pagador is not repaid, is given once, and its requirements are set by the Fondo MIVIVIENDA
«Ayuda económica directa no reembolsable, que se otorga a través de las instituciones financieras intermediarias, a las personas que han cumplido con los requisitos y procedimientos de asignación y otorgamiento determinados por el FMV. [...] El BBP es otorgado por una única vez a los beneficiarios solicitantes.»
↳Artículo 1 (numeral 2.1, literal i, del Reglamento)read
BBP Integrador: a larger amount for five groups
«1. Personas de menores ingresos. 2. Personas adultos mayores. 3. Personas con discapacidad. 4. Personas desplazadas. 5. Migrantes retornados.»
Resolución Ministerial N° 214-2026-VIVIENDAArticle 1read
The Ministry published a draft amending Techo Propio's Operating Regulation
«Se dispone la publicación del proyecto de Resolución Ministerial que modifica el Reglamento Operativo para acceder al Bono Familiar Habitacional en la modalidad de Adquisición de Vivienda Nueva, aprobado por la Resolución Ministerial Nº 0104-2025-VIVIENDA, el mismo día de la publicación de la presente Resolución Ministerial en el diario oficial El Peruano [...]»
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