Do you know what is the special plan of my well-appointed house? Do you want to know how to obtain the form to receive the financing? Keep reading!
What is My Well-Equipped Home?
It is a social program created by the Bolivarian government of Venezuela during the presidential term of Hugo rafael chavez friasas a result of an agreement between Venezuela and China.
Through it, the acquisition of household appliances for basic use in the home is promoted at a more affordable price, emphasizing the most vulnerable communities.
Even being included as one of the benefits received by some employees of public organizations, with the aim of increasing the quality of life of Venezuelans, promoting a market with fair prices, controlling price speculation and distributing essential services.
What are you offering?
Haier brand appliances of all kinds, in optimal conditions, with the lowest prices in the national market and which can be obtained through a bank loan from public entities.
Among the equipment we can find: refrigerators, freezers, gas and electric stoves, ovens, kitchen tops, extractor hoods, coffee makers, water heaters, blenders, washing machines, dryers, air conditioners, fans, televisions.
Every year it seeks to extend the catalog of offers for the consumer, satisfying the needs of Venezuelans in search of comfort in their homes.
What are the characteristics of the loans?
Bearing in mind that the services are aimed at natural persons, particularly the most needy in society, and IVSS pensioners, the type of loan acquired could be divided according to the individual who requests it:
- Individuals (payroll customer)
- Interest rate of 15% per year during the loan payment.
- Financial commission of 0%.
- Financing term of up to 24 months.
- Credit amount of up to 100% for the value of the appliance, considering the user’s ability to pay.
- Pensioners:
- Interest rate of 15% per year during the loan payment.
- Financial commission of 0%.
- Financing term of up to 24 months.
- Credit amount of up to 100% for the value of the appliance, considering the user’s ability to pay.
But for what to apply for financing my house good equipped? What is your benefit?
- Credit does not require an initial for its acquisition, has a preferential interest rate and no commission charge.
- Possible advance payment of credit.
- No prior experience in the financial system is required.
- User has greater comfort when making payments because it is not necessary to make them in person, but they will be automatically deducted from their payroll account in the respective public banking entity.
How to start the process?
First, it is necessary to comply with a series of requirementssuch as:
- Obtain a monthly income equivalent to the minimum wage or be an IVSS pensioner.
- Age range between 18 and 65 years.
- Previous experience with public banks NOT MANDATORYsuch as Banco de Venezuela, Banco Bicentenario or Banco del Tesoro.
- In the case of pensionersthe credit installments must not exceed 30% of the monthly commitments in relation to the monthly salary.
On the other hand, the required documents are:
- According to the type of client:
- Payroll customer: Global Consumer Credit Application Form.
- Pensioners: Credit Application Form My Well-Equipped House.
- Copy of the current identity card of the applicant.
- Invoice issued by your distribution center: Abastos Bicentenario, Mercal, Pdval, Comersso, Suvinca or Cavim.
Now yes, he process to enjoy the products available in My Well-Equipped House will be the following:
- Locate the establishments of the commercial network: Abastos Bicentenario, Mercal, Pdval, Comersso, Suvinca or Cavim.
- Acquire the form to receive the financing of My Well-Equipped House and information on the requirements in said establishments.
- Heading down to a public bank of your liking (Banco de Venezuela, Banco Bicentenario or Banco del Tesoro) to consign the form and the required requirements.
- Expect response of the Bank where you filed the return.
- If the credit is approved, deliver the credit approval document issued by the Bank in the establishments of the commercial network.
- Withdraw the delivery note of the approval of the bank credit and the invoice of your purchased product.
- Choose preferred product.
What information does the spreadsheet contain?
Also called, Global Consumer Credit Applicationit’s a proof to certify that the beneficiary has received the My Well-Equipped Home combo.
That is, it captures the information regarding the person who has requested the services, the electrical appliances that have been requested and the type of financing or bank credit that was approved and under which public institution. Consequently, it serves as a control mechanism, although it is not the only one applied by the organism.
The information requesting the return is as follows:
- Credit data.
- Data of the first owner
- Data of the second holder, for example the spouse.
- Guarantor data.
- Personal references.
- Bank references.
- Economic data expressed in bolivars.
- Particular information that varies depending on the bank.
What should I do with the spreadsheet?
- Enter the IPASME page or click on the following link ipasme.gob.ve/mcbe to place your identity card number and press the enter button.
- Fill in the blanks with the requested information.
- Depending on the type of payment, fill out one of the two forms indicated: cash payment or financed payment.
- The system automatically generates the My Well-Equipped House spreadsheet with all the information that the user has previously supplied.
Recommendation: print the form in case of any claim. You do not know how? When the final form is opened it will be through a PDF file in whose upper portion is the option to print, click on the button in the shape of a printer and that’s it.
Benefits
- Possibility of acquiring quality appliances for your home with the lowest prices on the market.
- Financing of up to 100% of the personal bill, taking into account the family’s ability to pay and its reputation in public banking, if any.
- Quick access and extremely easy to apply for a loan.
- Easy payment control with the use of the payroll account.
- Save up to 70% on the price of products.
- Care for the environment with the use of equipment that includes energy savings because they only require 50% of the electricity that a common product would use.
Do you want to get quality products for your home but do not have enough money?
As we explained earlier, the My Well-Equipped House Plan has the solution for this type of situation because thanks to its affordable home appliances and easy-to-acquire bank credit, all Venezuelans will have the opportunity to improve the products in their homes.
We invite you to request your form that after having read this information you will be able to fill out easily.