For Institutions

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For Financial Institutions

Vivienda Viva is designed to integrate into existing mortgage portfolios as a complementary risk-sharing layer.

The model supports:

– Reduction of early-stage default risk
– Improved portfolio stability
– No changes to core underwriting processes
– A preventive approach to risk management

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For Investment Partners

The model provides access to a structured exposure linked to residential mortgage performance.

Capital is deployed into a predefined, limited payment buffer with clearly defined activation conditions.

This structure offers:

– Defined and transparent risk exposure
– Alignment with real-economy housing performance
– Participation in a structured, non-speculative framework

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For Public Institutions

Vivienda Viva supports housing stability by reducing the likelihood of early-stage mortgage distress.

The model can complement existing housing and affordability policies without requiring direct public balance sheet exposure.

It is adaptable to different regulatory environments and regional frameworks.

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The model is currently open for pilot programs and institutional collaboration.