A decent housing is a human fundamental need, recognized as a human right. The other side of the coin is the commodification of social/popular housing. In Peru, state social housing programs are dominated by construction companies, making it impossible for families to self-construct. The Banks, which are in charge of placing the state subsidy, accentuate the problem because low income families, as the main target group of this state subsidy do not qualifydue to a lack of solvency. The example of the “Movement of the Homeless of Lima / Peru” breaks down schemes and barriers, achieving from its persistence access to the decent housing.