Have you thought about buying a mortgage debt, corresponding to a home whose mortgage has the benefit of the good payer bonus? Then you should look at this article, where we reveal what happens in that case with this bonus.
What is the good payer bonus?
The bonus of the good payer is a non-refundable aid or subsidy granted by the MiVivienda Fund. In order for you to enjoy it, you need to purchase a home using the Good Finance Mortgage Credit.
This bonus is granted exclusively for the purpose of facilitating the acquisition of social interest housing. And only those who are not owners or co-owners of homes in the Peruvian territory can opt for it.
What happens to the bonus of the good payer in a debt purchase?
If you are a beneficiary of a Mivienda Credit and with it the bonus of the good payer, keep in mind the following. If you go to a debt purchase for that credit, you automatically lose the bonus benefit.
The reason for such a loss of benefit is how the mortgage debt purchase process works. The bank that buys your debt cancels all of the original debt you had with the MiVivienda Fund. Then simply said debt is paid off and therefore the bonus benefit is canceled.
So, is buying a debt good business?
The answer is that it depends on the financial conditions offered by the institution that buys your debt. Simply, the savings you get on the new credit should compensate for the loss of the bonus.
When evaluating, do not forget to include the insurance costs that the purchase of debt forces you to acquire. And all the administrative costs that you must cancel in the debt purchase operation. Then you should look at this article, where we reveal what happens in that case with this bonus.