miCasita hipotecaria

What miCasita hipotecaria does

Vívela (operating as miCasita hipotecaria) is a Peruvian non-bank mortgage lender headquartered in San Isidro, Lima. Founded in 2008 and operating for approximately 15 years, the company offers four mortgage products — Crédito Mivivienda (government-backed first-home loans up to S/464,200), Crédito Techo Propio (subsidized housing up to S/120,300), Crédito Vívela Hipotecario (standard mortgages up to S/405,000), and Crédito Construcción en Terreno Propio (construction-on-owned-land loans from S/29,700) — alongside ancillary Carta Fianza (guarantee letter) services. Vívela is regulated by Peru's Superintendencia de Banca, Seguros y AFP (SBS) and operates within the government-backed Fondo Mivivienda framework, enabling it to administer subsidies such as the Bono del Buen Pagador, Bono Sostenible, and Bono Familiar Habitacional on behalf of eligible borrowers. As of the most recent data, the company has facilitated home acquisition for more than 15,500 families.

The company operates a digital-first platform anchored by an online pre-qualification tool (Precalificador Online) and a mortgage payment simulator (Simulador Hipotecario), supported by direct advisor sales via phone, in-person, and WhatsApp Business. Distribution combines this self-service digital funnel with partnerships across 50+ Peruvian real estate development projects, where Vívela is positioned as a preferred embedded mortgage provider. The stated credit-approval time frame is up to 3 business days, and term lengths range from 5 to 25 years. Marketing channels span the company website (vivela.lat), Instagram, Facebook, TikTok, LinkedIn, and WhatsApp.

Vívela's revenue model is transaction-based: it earns interest and fees on originated mortgage loans retained on its balance sheet, with loan amounts ranging from S/29,700 to S/464,200 and down payments of 3–30% depending on the product and whether the property is a first or second home. Pricing is not publicly disclosed as rates vary by creditworthiness, term, and amount. The company also generates ancillary fee income from Carta Fianza issuance. Customer segments include first-time home buyers (primary), real-estate investors acquiring second homes, and self-builders financing construction on owned land, with notable reach into independent workers and informal-sector borrowers typically underserved by traditional banks. The company has no disclosed parent, no subsidiaries, and no external funding rounds on record; it operates with 51–100 employees from a single headquarters in Lima.

Name

miCasita hipotecaria

Legal name

Vívela

Website

https://micasita.com.pe

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Vívela (miCasita hipotecaria) is a Peruvian non-bank mortgage lender offering Mivivienda, Techo Propio, Vívela Hipotecario, and construction loans, plus Carta Fianza guarantees. It serves first-time buyers, second-home investors, and self-builders via a digital pre-qualification platform, direct advisors, and 50+ real estate project partnerships nationwide.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Residential mortgage lending
• Home loan origination
• Government housing programs
• Housing finance services
• First home mortgages

Headquarters

HQ city

San Isidro

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Hipotecary Lending Revenue: Vívela generates revenue through mortgage lending operations, offering various credit products including Mivivienda loans, Techo Propio loans, Vívela Hipotecario loans, and construction loans. The company earns interest on issued mortgages and may receive government bonuses on behalf of customers for eligible loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

miCasita hipotecaria (Vívela) is a Peru-based residential mortgage lender that originates home-purchase loans for individual consumers, including government-backed Mivivienda and Techo Propio programs, a standard Vívela Hipotecario product, and construction-on-owned-land financing. Customers can pre-qualify online, simulate monthly payments, and obtain credit approval in up to 3 business days, with terms ranging from 5 to 25 years. The company also issues Carta Fianza guarantee letters within 24 hours and assists borrowers in accessing government housing bonuses.

Product overview

Vívela (miCasita hipotecaria) is a Peruvian mortgage lending company offering a portfolio of four distinct mortgage products: Crédito Mivivienda (government-backed first-home loans up to S/464,200), Crédito Techo Propio (subsidized housing loans up to S/120,300), Crédito Vívela Hipotecario (standard mortgages up to S/405,000), and Crédito Construcción en Terreno Propio (construction loans from S/29,700). The company supplements these products with digital self-service tools including an online pre-qualification platform and a mortgage payment simulator. Additional services include Carta Fianza guarantee letters. All products are backed by 15 years of industry experience and operate under SBS (banking regulator) oversight, with financing partnerships with Fondo MIVIVIENDA.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Mivivienda Government-backed mortgage credit for purchasing a first home in Peru with a maximum property value of S/ 464,200. Requires a minimum 7.5% down payment, allows up to 25% of AFP pension funds toward the down payment, and is eligible for Bono del Buen Pagador (BBP) and Bono Sostenible government incentives. Designed for Peruvian individuals and families buying their first home through the Mivivienda program.
• Crédito Techo Propio Government-subsidized mortgage financing up to S/120,300, repayable over 5 to 25 years, with a minimum down payment of 3% to 5% based on property value. Borrowers can apply up to 25% of AFP funds to the down payment and are eligible for the Bono Familiar Habitacional (BFH) government bonus. Designed for lower-income Peruvian families acquiring a home through the Techo Propio program.
• Crédito Vívela Hipotecario Standard mortgage credit for purchasing a home in Peru with a maximum value of S/405,000. Requires a 10% down payment for a first home or 30% for a second home, with fixed interest rates in Peruvian soles, and double payment installments in July and December. Designed for individual borrowers who do not qualify for or do not need the Mivivienda or Techo Propio government programs.
• Crédito Construcción en Terreno Propio Construction loan for building a home on land already owned by the borrower, starting from S/29,700, repayable over 5 to 20 years. Allows up to 25% of AFP funds toward the down payment and permits advance/early repayments. Designed for Peruvian individuals who own land and want to self-build their home.
• Carta Fianza Guarantee letter (Carta Fianza) service delivered within 24 hours, providing financial guarantee instruments used in construction or property transactions. Supports mortgage customers and the broader Peruvian property transaction ecosystem.

Quantifiable outcome

• 3 business days credit approval
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Real Estate Development Projects (50+)coreChannel Partner/ Reseller/ DistributorVívela partners with more than 50 real estate development projects across Peru, offering financing solutions to buyers in these projects. Examples include Proyecto Mar Azul, Los Laureles 2, and Los Laureles 3 in Lima.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Creditas: Creditas is a leading Brazilian consumer and home equity lender using collateral-based digital underwriting. It is comparable to Vívela as a non-bank, technology-led lender in Latin America focused on real-estate-secured credit, though operating at materially larger scale and broader product scope.
• even: even is a Brazilian digital mortgage lender that has built a fully online home loan origination and servicing platform. It is comparable to Vívela as a non-bank digital mortgage specialist, representing a regional emerging player whose playbook could be replicated by entrants in Peru.

Direct peers

• MiBanco: MiBanco is Peru's largest microfinance institution and a major originator of small-ticket and housing-related loans to lower-income and informal-sector borrowers. It directly overlaps with Vívela's first-time home buyer and government-subsidized segments, particularly Techo Propio.
• Hipotecaria Sura: Hipotecaria Sura is the mortgage lending arm of Sura Asset Management in Peru, focused on residential mortgage origination. It is the closest direct competitor to Vívela, serving similar first-time and mid-market home buyers through both traditional and digital channels in the Peruvian market.

Broad incumbents

• Interbank Peru: Interbank is one of Peru's leading universal banks with a sizable mortgage book funded by retail deposits. It competes with Vívela across standard and government-backed mortgage products, and has invested in digital mortgage channels, increasing competitive overlap.
• BBVA Peru: BBVA Peru is a leading universal bank with a significant Peruvian mortgage portfolio including Mivivienda products. It competes with Vívela on price (deposit funding) and digital channels, while offering a broader set of consumer and commercial banking services.
• Scotiabank Peru: Scotiabank Peru is a top-tier universal bank offering Mivivienda and standard residential mortgages. It competes with Vívela in the same first-time home buyer and government-subsidized segments, leveraging its global mortgage infrastructure and deposit base.
• Banco de Crédito del Perú (BCP): BCP is Peru's largest universal bank and a dominant mortgage originator with deposit-funded balance sheet advantages. It competes with Vívela in the same residential mortgage category, particularly on pricing and brand, while serving a far broader range of banking customers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Vivela.lat
• LinkedInlinkedin.com/company/micasita-hipotecaria
• Instagraminstagram.com/vivela.lat
• TikToktiktok.com/@vivela.lat
• Xx.com/miCasita_H

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about miCasita hipotecaria