A preventive risk-sharing model for housing finance
Vivienda Viva introduces a preventive risk-sharing structure designed to reduce early-stage mortgage default risk.
The model creates a limited and predefined payment buffer, supported by third-party investment capital, that can be activated during temporary borrower stress before a default occurs.
This mechanism is designed to complement existing mortgage structures without altering bank underwriting processes.
Designed for financial institutions, institutional investors, and public sector partners.