Chile’s New DS1 Tramo 4 Housing Subsidy: Requirements and Benefits
The Chilean government established the Subsidio DS1 Tramo 4 during the Presidential Public Account to improve housing access for middle-class citizens and young professionals. According to the announcement, the Ministry of Housing and Urbanism (Minvu) will raise the maximum property value limit to 4,000 UF nationally and 4,500 UF in extreme zones.
How does the Subsidio DS1 Tramo 4 change property limits?
The new measure increases the ceiling for properties eligible for state support. Previously, the highest tier of the DS1 Subsidy capped property values at 2,200 UF. Under the new modification, this limit rises to 4,000 UF for most of the country.
Residents in extreme zones may access a higher limit of 4,500 UF. These designated areas include the regions of Arica and Parinacota, Tarapacá, Antofagasta, Aysén, and Magallanes, as well as the provinces of Palena and Chiloé.
What are the financial requirements and benefits?
The state will provide a direct grant of 400 UF, which equals approximately $14.4 million pesos, to help amortize the property value or supplement a mortgage loan. This benefit applies to both new and used homes.
Applicants must meet specific financial thresholds to qualify. The maximum property value is approximately $144 million pesos (4,000 UF), and the minimum required savings deposit is 200 UF, or roughly $7.2 million pesos.
Who is eligible to apply for the new housing subsidy?
Applicants must be at least 18 years old and hold a valid identity card. Registration in the Registro Social de Hogares (RSH) is mandatory, though Minvu will confirm the specific socioeconomic qualification percentage in the official call.
Financial stability is a core requirement. Because the subsidy targets higher-value properties, applicants must pass a commercial evaluation to prove they can secure a mortgage or cover the remaining balance independently.
The savings account must have a minimum antiquity of 12 months. Accounts opened shortly before the application period will not be accepted.
What happens next for potential applicants?
Postulations for this new tier are expected to open during the second semester of this year. Minvu is likely to release official dates, digital forms, and deposit deadlines through its official channels in the coming weeks.
Potential applicants may need to verify their RSH status and ensure their savings accounts meet the one-year age requirement before the application window opens.
Frequently Asked Questions
What is the maximum value of a home I can buy with this subsidy?
The limit is 4,000 UF (approximately $144 million pesos) nationally and 4,500 UF in extreme zones.
How much money do I need to have saved?
You must have at least 200 UF deposited in a housing savings account, which is approximately $7.2 million pesos.
Can I use this subsidy for a home that is not new?
Yes, the benefit is available for the purchase of both new and used properties.
Do you believe these new limits sufficiently address the current cost of housing for young professionals?