DS1 subsidy 2026: when to apply in the second call and how to get ready
The DS1 subsidy opens its second 2026 call from November 17 to 27, with a new bracket for homes worth up to UF 4,000. Dates, brackets and requirements.
· 4 min read
The DS1 subsidy, the Chilean Housing Ministry's (Minvu) home-buying program aimed at the middle class, opens its second call of 2026 from November 17 to 27, according to ChileAtiende, the government's services portal. The big news is the 4,000 bracket: a UF 400 subsidy to buy homes worth up to UF 4,000, with minimum savings of UF 200, according to Gob.cl. The UF (Unidad de Fomento) is Chile's inflation-indexed unit of account.
Nov 17 to 27
Applications
2026
UF 4,000
New bracket
maximum home price
UF 400
4,000 bracket subsidy
about CLP 16.5 million
Source: ChileAtiende and Gob.cl
View the data as a table
| Applications | Nov 17 to 27 | 2026 |
| New bracket | UF 4,000 | maximum home price |
| 4,000 bracket subsidy | UF 400 | about CLP 16.5 million |
When to apply for the DS1 subsidy
There are three ways to apply, according to ChileAtiende:
| How to apply | Dates | Where |
|---|---|---|
| Online | November 18 to 27, until 4:00 p.m. | minvu.cl, with ClaveÚnica |
| In person | November 17 to 27 | Serviu OIRS offices, with an appointment booked at minvu.cl |
| Automatic | November 17 to 27 | For those who applied in the first 2026 call, were not selected and have an offer to accept or reject |
Savings had to be deposited in the housing savings account by October 30, 2026, and no withdrawals are allowed after that date. If you did not have them by then, you cannot apply in this call.
The DS1 subsidy brackets
The DS1 subsidy has four brackets for buying a new or used home. These are the caps for central and southern Chile:
| Bracket | Social Household Registry | Home up to | Minimum savings | Subsidy |
|---|---|---|---|---|
| Bracket 1 | Up to 60% | UF 1,100 | UF 30 | UF 600 average |
| Bracket 2 | Up to 80% | UF 1,600 | UF 40 | UF 450 average |
| Bracket 3 | Up to 90%* | UF 2,200 | UF 80 | UF 270 average |
| 4,000 bracket | Registered* | UF 4,000 | UF 200 | UF 400 |
Above the 90% bracket of the Social Household Registry, an income cap applies. For bracket 3, the Minvu set it in the first call between CLP 1,992,086 (one person) and CLP 3,426,388 (four or more) of net household income in central and southern Chile. Sources: ChileAtiende pages for brackets 1, 2, 3 and 4,000.
In the extreme regions (Arica to Atacama, Aysén, Magallanes, Chiloé, Palena, Easter Island and Juan Fernández) the maximum prices are higher: for example, UF 1,200 in bracket 1 and UF 2,600 in bracket 3.
The new 4,000 bracket
The 4,000 bracket extends the DS1 subsidy to more expensive homes. According to ChileAtiende:
- It covers new or used homes worth more than UF 2,200 and up to UF 4,000, and up to UF 4,500 in the extreme regions.
- The subsidy is UF 400 from Coquimbo to Los Lagos, UF 500 from Arica to Atacama, and UF 550 in Aysén and Magallanes.
- Minimum savings are UF 200, and exceptionally the account does not need to be 12 months old.
- You must be able to qualify for a mortgage.
- If you already hold a valid DS1 subsidy from brackets 1, 2 or 3, you can request a switch to the 4,000 bracket.
Gob.cl reports that this first call for the bracket has 2,500 places.
How to get ready to apply for the DS1 subsidy
Check that you meet all of this before applying:
- Be 18 or older with a valid ID card. Foreigners need permanent residence.
- Be registered in the Social Household Registry and know your bracket. You can check it at registrosocial.gob.cl or at your municipality.
- Have a housing savings account at least 12 months old (except for the 4,000 bracket).
- Have the minimum savings deposited by October 30, 2026.
- Not own a home or residential land, neither you nor your family.
- Have a ClaveÚnica, if you will apply online.
For bracket 2, individual applications also require a mortgage pre-approval, according to the Minvu.
If you miss this call: get ready for the next one
The Minvu has not yet published the 2027 dates. For reference, the first 2026 call ran from June 16 to 30, with savings due by May 29 and the account opened before May 30, 2025. If you want to apply for the DS1 subsidy next year:
- Open your housing savings account today. Brackets 1, 2 and 3 require it to be 12 months old.
- Save the minimum for your bracket and do not withdraw it before the cut-off date.
- Update your Social Household Registry, because it determines which bracket you can apply for.
Once you know how much subsidy you will get, subtract it and your savings from the home's price, and calculate the payment on the remaining loan. We explain how much you need to earn in our article on the income needed for a mortgage, and we compare all programs in housing subsidies for the middle class.
What it means for you
- If you meet the requirements, apply before November 27. Online applications close that day at 4:00 p.m.
- If you are looking for a home worth between UF 2,200 and UF 4,000, check the 4,000 bracket. It is the first time the DS1 subsidy reaches that price range, and it does not require account seniority.
- If you miss this call, start preparing now. Opening the savings account today lets you meet the 12-month requirement. This article is for information only: check the current rules at minvu.cl or at your regional Serviu.
Sources
- ChileAtiende, DS1 bracket 1 (in Spanish)
- ChileAtiende, DS1 bracket 2 (in Spanish)
- ChileAtiende, DS1 bracket 3 (in Spanish)
- ChileAtiende, DS1 new 4,000 bracket (in Spanish)
- Gob.cl, new subsidy for homes worth up to 4,000 UF (in Spanish)
- Minvu, first national call of 2026 for the DS1 (in Spanish)
- Minvu, DS1 bracket 2 (in Spanish)
- DS1 subsidy
- housing subsidy
- Minvu
- 4
- 000 bracket
- middle class
- Social Household Registry