As one of our pillars of work, we recognize access to Costa Rican social housing as a means to enhance opportunities for family growth, basing our management, advisory and support work on the recognition of the rights of people who aspire to obtain a decent home of their own and protected by Costa Rican legislation as well as by the public institutions that regulate this benefit.
Types of Bonds
Credit Bonus
Benefit for families with a fixed stable income, and a positive credit capacity, request a bank loan for the purchase of the property (if there is no one in the name of the family) or for the construction of the house in conjunction with the complement of the housing bonus.
Based on the corresponding bonus, the favorable budget for the construction of the house will be determined. Everything always raised under the search of the credit well-being of the family. Applies to families who have or do not have a property.
The family will pay a monthly fee to be agreed for the credit to be requested, according to the comfort of their finances, without compromising the stability of their liquidity.
It is a fundamental requirement to have the Study of the Credit Information Center (CIC) of the SUGEF, which is issued by the banking entities on each of the people who report income for the family nucleus.
Ordinary Bond
Benefit for families who have a property in the name of one of the members of the family nucleus or who will receive a donation.
The amount to be granted to each family is defined based on the total monthly economic income received by its members.
The property must be suitable for construction, have the proper cadastral plan, deed, availability of water and electricity services and documentation from the corresponding municipality and if it has a mortgage, it must be studied if it is possible for the property to qualify for the benefit. If there is a construction on the property, a study must be carried out to know the conditions of said structure.
Yard Bonus
It consists of the construction of a second home on the property of a relative, which must have the following preliminary requirements, in addition to the general requirements:
Link up to the third degree of consanguinity with the owner of the property.
Non-segregable property according to land use criteria of the Municipality.
Availability of independent water and electricity services.
Independent access to the house.
Authorization from the Municipality to carry out a new construction on the same property.
Elderly Person Bonus
Program for older adults without a family nucleus (alone) or couples aged 65 or over, who have the physical and mental capacities to live alone in a home. These people must not have previously received another bonus.
Conditions to obtain them:
Payment of the Social Work study that verifies the condition of the Elderly Person.
Process the application for the Certification issued by the National Council for the Elderly Person (CONAPAM), for which the following is required:
Original medical opinion from the CCSS issued no more than 3 months ago.
CCSS pension certification issued no more than 3 months ago.
Copy of utility bill from the place where you currently reside (not older than 15 days of issue)
Bond Law 7600
The Law empowers families that have among their members one or more people with a total and permanent physical handicap. The house is built with the constructive and location adaptations required by the person with a disability.
It is necessary to request a medical certificate from the Qualifying Commission of the Costa Rican Social Security Fund (CCSS). This certificate must indicate if the valued person suffers from a physical disability of 67% or more.
In the event that the person with some type of disability does not have a family nucleus and can take care of himself, he must also present a Certification from the National Council for Rehabilitation and Special Education.
RAMT Bonus
Families whose homes require the partial or total replacement of construction components for safety, health and/or overcrowding reasons can opt for the RAMT bonus (Remodeling, Expansion, Improvement and/or Completion). The family could not have previously benefited directly from a housing bonus.
It is necessary for the family to provide a photograph of the house and property and a visit by Grupo ConstruArte to know the condition of the house. The property and the family must meet the general requirements of the housing voucher, as well as have the approval of Grupo ConstruArte to start the project under this modality.
Second Floor Bonus
Benefit for families who, having up to the third degree of consanguinity, affinity or collateral kinship with the registered owner of the property, qualify to receive the benefit, on a second floor.
The property must first meet all the special requirements established:
Existing property or lot must be free of mortgages and annotations (cannot have current loans), must have a cadastre plan and be registered.
Land use issued by the Municipality indicating the feasibility of a construction on the second floor and that the property is not segregated.
Have availability of independent water and electricity services.
Photographs and coordination of a visit by a professional from Grupo ConstruArte to the property to learn about the feasibility of the project.
Bond Article 59
Benefit that BANHVI grants to those families that do not have their own lot and whose socioeconomic study establishes that they live in a situation of extreme need. If both the family and the property meet the established requirements, the State finances the purchase of the property and the construction of the house.
Housing bonds are processed under the program of Article 59 of the Law of the National Financial System for Housing (SFNV) those qualified as extreme need and emergency situation or eradication of slums and precarious settlements.
Specific requirements:
Payment of professional visit in Social Work.
Purchase-Sale signed for a minimum of 12 months.
Locate a property that meets all the requirements for applying for a housing voucher under this modality
Frequent questions
What is the Family Bonus for Housing?
It is a Donation/Benefit that the State, in solidarity, grants to low-income and middle-class families, families at social risk or in an emergency situation, people with disabilities and older adults, among other social groups, as well as families with credit facilities, can solve their housing problem.
The amount to be received by a family depends on their constant monthly income and the program to which they can apply according to their socioeconomic status and pre-qualification, according to the requirements.
How long does the Housing Voucher process last?
Each process is unique and varies depending on many factors, such as whether or not you have a property ready to build, the speed of the family to get the necessary paperwork, as well as the time BANHVI takes to review the cases and approve them. For this reason, exact dates cannot be offered to be a beneficiary of a Voucher.
That is why at Grupo ConstruArte we take care of managing your project and accompanying you throughout the process so that you and your family do not have the uncertainty about the viability of your own home. That is why we use our experience to offer you the best solutions according to your current situation. That is why it is important to have constant communication between the family and Grupo ConstruArte to give the process the necessary flexibility in the face of both family and process changes that may occur.
Do I need to pay anything to get my voucher?
Although the benefit of the Family Bonus for Housing is free, to meet certain application requirements it is necessary to cover certain INDIRECT COSTS of administrative procedures of state or banking institutions involved throughout the housing process.
To this end, we urge families to generate family savings prior to and during the process that will allow them to cover these costs in the most fluid way possible, without affecting the family's finances.
At Grupo ConstruArte we take care of providing you with the most up-to-date information according to your specific case so that you can invest your money in the most efficient and effective way possible for the benefit of your own home.
What do you mean by Indirect Costs?
The previous indirect costs are administrative procedures related to the application for the Housing Bonus, necessary for both the file that is applied for to BANHVI as well as for the purchase of the property (if applicable) and/or construction of the home. These indirect costs can be the payment of Property Appraisal, Social Work Studies, certificates with lawyers and/or accountants, Real Estate history, construction guard, among others.
These costs are variable, always depending on the type of benefit request that the family is making. As it is a Family Housing Voucher, the price of some of the costs is 50% lower than what would normally be paid. If the family organizes the finances and saves during the duration of this process, they will be able to face the expenses related to obtaining the bond.
Important, these Indirect Costs are defined by each institution or entity to which the payment must be made, such as: National Registry, Municipality, Professional Associations, National Insurance Institute, corresponding ASADA or AyA, ICE and Authorized Entity before the BANHVI. Grupo ConstruArte has no influence on these amounts.
Likewise, the costs are established according to the type of project and the location of the property, as well as by the determinants and costs that each institution has already established. Remember that every housing project is unique and not comparable, since they are carried out according to family composition, the chosen property and current regulations.
Grupo ConstruArte helps you define the costs necessary for your exclusive project. Therefore, once the property on which to build is located, the ideal is for the family to start a constant savings that will allow them to steadily advance each of the steps that will allow them to apply for their housing project.
What is the care form?
Our attention form is a small interview that the person interested in the housing benefit carried out, answering some basic questions about their family and socioeconomic situation. This form is completed online and is completely confidential. You can fill it out when you have time, available 24 hours a day, 7 days a week.
Once you fill out the form, our management consists of analyzing the information you provided us and thereby offering you a clear picture of what your housing options are. After that, we will communicate with you through the contacts you provided us and if possible, we will start with the administrative management of your project based on in the possible options.
That is why it is essential that the information you provide us is as accurate, truthful and honest as possible in order to have a greater chance of success with your project.
You can fill out the form by accessing with this button:
Where can I contact you?
Our offices are located in Centro Comercial El Bosque, 100m east and 25m south of the Municipality of Pérez Zeledón.
San Isidro de El General, Perez Zeledon, Costa Rica
Schedule
Monday to Friday: 8:00am - 12:30pm / 1:30pm - 5:00pm
phones
Office: +506 2771 8778
WhatsApp +506 8619 2635
WhatsApp +506 8730 8516
Real estate: +506 8798 1111
Coverage areas
Pérez Zeledón, Coastal area (Uvita, Dominical), Buenos Aires.
Western area Alajuela (prior coordination).