Here the formula, as the Minister of Finance said, is simple. It is less down payment, less financial burden for the family, lower interest rates, and longer terms for mortgage debt. These are the three essential concepts. If I have to have a down payment of 10%and also, if I have savings, the state gives me three of 3%. that I am missing for the 10%if the time is extended because we have lost the possibility of having long-term credit. it will not improve. And with this bill that creates the National Housing Fund FONAVI which will be managed by the State Bank and whose purpose will be to acquire. finance for the first home, we were taking a step and also with the issue of voluntary housing savings. Because I was telling you that when one is small they save a thousand here, well, if one saves enough to advance the down payment, the state provides the rest. The 7%of the 10%for the down payment. The state gives me the 3%