Self-construction of housing with the housing policy: regulations in the field of autocontruccion with resources of the housing policy has in the Gazette 39486 essential aspects to achieve adequately present the application of credit according to the following criteria: is aimed at families that do not have main housing and are owners of land located in urban or rural areasfitted utility, or in their absence, with staffing alternative multi-family properly by the competent authorities. Self-build loan shall be equivalent to 100% of the value of the budget of work presented, constituting mortgage guarantee on the ground and the bienechurias that are constructed. It will be disbursed in the following manner: A first disbursement in the date of notarization of credit, equivalent to 60% of the approved amount. A second disbursement by the balance provided that housing submitted an advance greater than 50% of physical execution, verified and approved by the designated Professional by the Financial operator. The beneficiaries may not dispose of housing, until not after 5 years from the date of notarization of the credit. In the event the loan include direct housing subsidy, if the beneficiary disposes of the housing within 5 years of the date of the grant of the subsidy, this must be reinstated to its value updated to the time of the disposition. Public registrars may not enter any negotiations without proof of cancellation of the amount of the updated grant issued by the BANAVIH. The mortgaged property may not be alienated without the authorization of the mortgagee, while the loan is in effect..