Agencia Nacional de Vivienda

What Agencia Nacional de Vivienda does

Agencia Nacional de Vivienda (ANV) is a Uruguayan government state entity (organismo estatal) that implements the national housing policy of the Sistema Público de Vivienda under the Ministerio de Vivienda y Ordenamiento Territorial (MVOT). Founded in 2007 and headquartered at Cerrito 400 in Montevideo, ANV employs 227 staff and operates across at least eleven Uruguayan departments (Cerro Largo, Canelones, Florida, Lavalleja, Maldonado, Montevideo, Paysandú, Rocha, San José, Soriano, and Tacuarembó). The agency functions as an integrated housing platform serving four principal segments: low and middle-income families seeking subsidized mortgages, housing cooperatives developing collective projects, private investors pursuing tax-exempt social housing under Ley N° 18.795, and young adults accessing state-backed rental guarantees.

The agency's product portfolio spans core housing programs (extrajudicial auctions of ANV-owned properties, periodic investment opportunity calls for land and housing acquisition, cooperative housing development with subsidies and technical assistance), financial products (Fondo de Garantía de Créditos Hipotecarios enabling up to 95% loan-to-value financing through partner banks, Fondo de Garantía de Alquiler for renters, CREDIMAT housing improvement credit, Plan UR debt regularization under Ley N° 20.237, subsidies for cooperative members, and a Fondo Rotatorio for common-area maintenance), and digital citizen services (a mobile application, electronic domicile integration with AGESIC's Sistema de Notificaciones y Comunicaciones Digitales, and digital DGI payment certificates). The agency operates through a network of eleven trust structures (fideicomisos) administered on its balance sheet and distributes services via its headquarters, decentralized offices, a bank partnership network anchored by Banco República (BROU), and digital channels. ANV does not disclose proprietary technology systems and reports no AI/ML capabilities.

ANV is not a market-revenue entity but a public policy instrument. Its revenue mechanics include recurring mortgage and cooperative quota collections (between the 1st and 15th business day of each month), transactional proceeds from property commercialization through tenders and auctions, and the administration of the Ley N° 18.795 promoted housing regime, which grants tax exemptions to private investors in social housing. Operating indicators disclose 169 cooperatives and 5,226 housing units under construction (April 2026), 18 cooperatives with 541 units initiated in the first four months of 2026, and a cumulative 62,914 promoted housing units and 2,190 projects entered into the system. Annual revenue is not publicly disclosed.

Name

Agencia Nacional de Vivienda

Legal name

Agencia Nacional de Vivienda

Website

https://anv.gub.uy

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Agencia Nacional de Vivienda is Uruguay's national housing agency, a government state entity that administers subsidized mortgages, cooperative housing, property auctions, rental guarantees, and tax-exempt promoted housing under Ley N° 18.795, serving low- and middle-income families, cooperatives, private investors, and young adults across Uruguay.

Ownership category

akta.pro rank

Product category

Public Housing Services

NAICS

Administration of Housing Programs (925110)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

National Housing Finance Agencies & Ministries (FSALAKAB)

akta.pro secondary industries

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Public housing programs
• Subsidized mortgage loans
• Housing cooperatives
• Social housing finance
• Government housing agency

Headquarters

HQ city

Montevideo

HQ country

Uruguay

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. Housing loan repayments: Monthly quota payments from mortgage holders and cooperative members for subsidized housing loans, collected between the 1st and 15th business day of each month.
2. Property commercialization: Sale of government-owned housing units through public tenders (llamados) and auctions (remates) to individuals and investors.
3. Investment promotion fees: Administration of promoted housing program under Law 18.795, providing tax exemptions to private investors in social housing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Agencia Nacional de Vivienda (ANV) is Uruguay's national housing agency that administers the country's social and subsidized housing programs. It provides subsidized mortgage financing through partner banks, manages housing cooperatives from construction to allocation, conducts extrajudicial auctions of government-owned properties, and administers tax-exemption programs for private investment in social housing under Law 18.795. The agency also delivers supplementary financial products such as rental guarantees, maintenance revolving funds, and debt regularization plans.

Product overview

Agencia Nacional de Vivienda (ANV) is Uruguay's national housing agency operating under the Ministry of Housing and Territorial Planning. The agency functions as a comprehensive housing platform offering multiple interconnected services: core housing programs including auctions (Remates), investment opportunities, and cooperative housing development; mortgage and rental guarantee financial products (Fondo de Garantía de Créditos Hipotecarios, Fondo de Garantía de Alquiler); maintenance and improvement programs (Fondo Rotatorio, CREDIMAT); digital citizen services (Domicilio Electrónico, certificates); and regulatory services for promoted housing under Law 18.795. The product portfolio is structured as a unified platform with modular services addressing housing access, permanence, and investment needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Remates (Auctions) Extrajudicial auctions of ANV-owned properties including homes and commercial spaces across departments such as Cerro Largo, Canelones, Florida, Lavalleja, Maldonado, Montevideo, Paysandú, Rocha, San José, and Soriano, with financing options available for winning bidders.
• Oportunidades de inversión (Investment Opportunities) Periodic public calls for the acquisition of land, commercial spaces, and housing to renovate, financed long-term with accessible installments for investors and buyers.
• Cooperativas de vivienda (Housing Cooperatives) Comprehensive support for cooperative housing construction including subsidies, technical assistance through IATs, construction loans, advances, and administrative management for housing cooperatives from formation through housing allocation.
• Viviendas Promovidas (Promoted Housing) Housing projects promoted under Law No. 18.795 offering tax exemptions for private investment in social interest housing, including the Entre Todos Program, with 62,914 units and 2,190 projects entered into the system.
• Fondo de Garantía de Créditos Hipotecarios (FGCH) Mortgage guarantee program enabling families without sufficient savings to access mortgage loans financing up to 95% of housing value through partner banks, requiring only 5% minimum savings from buyers.
• CREDIMAT Low-cost credit program for housing improvement, purchasing construction materials, and home repairs for families with limited payment capacity.
• Fondo Rotatorio de Mantenimiento Revolving fund for common area maintenance in housing complexes, financing improvements up to UR 100 per unit over 60 installments (5 years).
• Fondo de Garantía de Alquiler (Rental Guarantee) State-backed rental guarantee certificate and special program for young people to access rental housing without traditional deposit requirements.
• Plan UR Debt regularization plan under Law No. 20.237 for bringing mortgage payments up to date.
• Subsidios para Cooperativas Subsidy program for cooperative members lacking sufficient payment capacity, subject to individual assessment of household income.

Quantifiable outcome

• State guarantee covers up to 95% of housing value, requiring only 5% minimum savings from buyers

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Ministerio de Vivienda y Ordenamiento Territorial (MVOT)coreStrategic or Co-development PartnerMVOT is the parent ministry that sets national housing policy. ANV implements MVOT housing programs including new construction projects, subsidy programs, and social housing initiatives.
• Institutos de Asistencia Técnica (IATs)coreImplementation/ SI/ Consulting PartnerTechnical Assistance Institutes provide expertise to housing cooperatives during project development, construction oversight, and housing management. ANV processes payments to IATs for their professional services.
• Administración Nacional de Combustibles, Alcohol y Portland (ANCAP)minorOthersReferenced in financial education materials for real estate project evaluation, likely providing petroleum-derived construction materials for housing projects.
• Dirección General Impositiva (DGI)coreOthersTax authority. ANV provides digital certificate services for housing loan quota payments that can be presented to DGI for tax compliance purposes (IRPF declaration).
• Registro Único de Proveedores del Estado (RUPE)minorStrategic or Co-development PartnerState procurement registry system operated by Agencia de Compras y Contrataciones del Estado. ANV requires suppliers to be registered in RUPE before contracting.
• Comisiones Administradoras de Conjuntos HabitacionalescoreImplementation/ SI/ Consulting PartnerAdministrative commissions managing housing complexes. They handle common area management, collect common expenses, and coordinate with ANV for maintenance programs and Fundo Rotatorio access.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Fannie Mae: US GSE that purchases and securitises agency-eligible mortgages against a federal guarantee; conceptually comparable to ANV's guarantee and securitisation architecture, though at vastly larger scale.
• Freddie Mac: US secondary-mortgage GSE with a federal backstop and explicit affordable-housing mission — a useful analogue for ANV's guarantee/funding role and for benchmarking portfolio risk.
• Federal Housing Administration (HUD/FHA): US federal mortgage-insurance arm that absorbs credit risk on low-down-payment loans; comparable to ANV's FGCH state guarantee function that allows lending up to 95% LTV.
• Ministerio de Vivienda y Urbanismo (MINVU): Chilean housing ministry that sets national policy and channels funding to SERVIU; structurally analogous to ANV's parent MVOT and useful as a comparator for program-design and inter-agency orchestration.

Direct peers

• INFONAVIT: Mexico's national worker housing fund that provides subsidised mortgages, collects payroll-linked quotas, and administers a large cooperative/developer pipeline — the closest functional analogue to ANV's mandate of financing housing access for working-age populations.
• Caixa Econômica Federal: Brazil's largest housing lender, administering federal subsidised housing programs (Minha Casa Minha Vida) and operating a national mortgage guarantee and cooperative-finance infrastructure that closely parallels ANV's remit.
• Servicio de Vivienda y Urbanización (SERVIU): Chile's regional housing services executing MINVU policy via subsidised construction programs, mortgage subsidies, and cooperative oversight — directly comparable to ANV's execution role under MVOT.
• FOVISSTE: Mexico's federal-worker housing fund offering subsidised mortgage credit and down-payment assistance; mirrors ANV's FGCH-style guarantee structure and quota-based repayment flow.

Regional players

• Banco Hipotecario del Uruguay: Uruguayan mortgage bank competing in the same domestic housing-finance market as ANV; closely comparable in geography and product set but operates as a private financial intermediary rather than a policy agency.

Emerging players

• Banco Centroamericano de Integración Económica (CABEI/BCIE): Regional multilateral that finances affordable-housing infrastructure across Latin America; useful as a comparable for ANV's growing fideicomiso/credit-channel toolkit and for blended-finance partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/ANV_Uruguay
• YouTubeyoutube.com/channel/UCwbArNoQJak-NGCNPzUWSqw
• Facebookfacebook.com/AgenciaNacionalDeVivienda
• Instagraminstagram.com/agencia_nacional_de_vivienda
• LinkedInlinkedin.com/company/agencia-nacional-de-vivienda

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries11 records

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 Agencia Nacional de Vivienda