En esta sección encontrarás respuesta a las dudas genéricas que se puedan presentar.

Preguntas frecuentes

¿Cuantas personas pueden solicitar el préstamo de política habitacional para la compra de la vivienda principal?

 El préstamo podrá ser otorgado a:

1. Un solicitante.

2. Hasta un grupo máximo de 3 cosolicitantes:

  • Una comunidad de cónyuges o concubinos
  • Hasta 3 cosolicitantes solteros, viudos o divorciados miembros de una misma familia con parentesco entre ellos hasta el cuarto grado de consanguinidad y segundo de afinidad.
  • Una comunidad de cónyuges y un familiar hasta el cuarto grado de consanguinidad o segundo de afinidad.
  • Una comunidad de concubinos y un familiar hasta el cuarto grado de consanguinidad.

¿Qué ingreso es tomado en cuenta para determinar el préstamo hipotecario?

El ingreso a considerar es el salario integral y cualquier ingresos que no sea ocasional y demostrable. No se consideran ingresos los cupones , ticket o tarjeta electrónica de alimentación.

El ingreso a considerar a efectos de la viabilidad crediticia es el que se declara como base de cálculo de los aportes del Fondo de Ahorro Obligatorio para la Vivienda (FAOV).

¿Qué porcentaje máximo del avalúo me presta el banco?

Podrán ser otorgados hasta por el 100% del valor del inmueble dado en garantía según el avalúo que se practique por peritos valuadores inscritos en la Superintendencia de Bancos y suministrados por el operador bancario.

En relación a este punto, las entidades bancarias otorgan el préstamo al 100% del avalúo o precio de compra, el más bajo.

¿Cuantas cotizaciones mínimas en el FAOV debo tener?

 Para ser objeto de un préstamo habitacional, los solicitantes deberán ser cotizantes activos y solventes del fondo, con un mínimo de 12 meses cotizados, sean consecutivos o no, al momento de presentar su solicitud.

¿Los extranjeros en Venezuela pueden solicitar un préstamo de política habitacional?

 En el caso de extranjeros, deben tener residencia legal.

¿Cuál es el plazo máximo para amortizar el crédito hipotecario?

 Los préstamos hipotecarios para la adquisición de vivienda principal se concederán por un plazo máximo de 30 años.

¿Cuál es el ingreso para poder ser beneficiario del crédito de política habitacional?

 El ingreso máximo del grupo familiar es de Bs. F 7.000 mensuales.

¿Cuánto voy a pagar mensualmente por el préstamo hipotecario?

La cuota a pagar mensualmente depende del ingreso del solicitante, que va de 20% al 30%. 

¿Qué tipo de interés devenga el crédito de política habitacional?

Los intereses a pagar van relacionados con el ingreso mensual del grupo familiar, de acuerdo a la siguiente descripción:

Ingresos:                                            Tasa
Hasta Bs. 2.800:                                  4,66%
Desde Bs. 2.800 Hasta Bs. 5.474:         6,61%
Desde Bs. 5.474 Hasta Bs. 7.000:         8,55% 

¿Cuáles son los gastos en que incurriré para poder firmar la operación de crédito hipotecario?

En el momento de la protocolización de un préstamo hipotecario para vivienda principal concedido con recursos del sistema habitacional, se requerirán los siguientes pagos:

Prima inicial del Fondo de Garantía, pagadera de una sola vez y será igual de multiplicar el el monto otorgado del préstamo por la tarifa vigente (1,43%).
Comisión de 0,5% sobre el monto del préstamo hipotecario pagadera una vez.
Avalúo del inmueble realizado por perito valuador calificado e inscrito en la SUDEBAN. El precio varía en función de la empresa valuadora, que podría estar entre 550 Bs y 1.400 Bs.

Derechos de Registro:

En cuanto a los gastos que se incurren por derechos de registro, impuestos, tasas y contribuciones, el Artículo 68 de la Ley de Régimen Prestacional de Vivienda y Hábitat, establece la exención del pago de estos conceptos.
 

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