FAOV certificate
We obtain from BANAVIH the FAOV certificate or statement you've been asked for: accrued contributions, individual account, employer status. From $45.
Requesting a quote doesn't commit you to anything
- You tell us about your case. It's free.
- We send you the price in writing, within 1 to 3 hours.
- You decide. If it works for you, we start. If not, you delete it with one click and pay nothing.
No one will pressure you. Your information is used only for your case.
Is it for you?
If any of these sounds like you, this procedure is for you.
- Companies and employees who are required by a bank, an agency or a home loan application to provide a specific FAOV certificate or statement from BANAVIH and don't know which one it is or how to get it
What's included and what isn't
Everything clear from the start. No fine print.
Includes
- Exact identification of the document you're being asked for.
- Review of the situation with BANAVIH.
- Handling of the FAOV certificate or statement.
- Delivery of the document, ready to submit.
Does not include
- The full FAOV compliance certificate (separate service: FAOV compliance certificate).
- Settling pending items if the document requires it (quoted separately).
- Handling the employee's mortgage loan itself (separate procedure).
- The contributions, which the company pays.
What you need
Check off what you already have. You don't need everything to request your quote.
You have 0 of 5.
- Employer number (company) or the employee's cédula (Venezuelan ID card)
- Details of which document is requested and what for
- Who's requesting it (bank, agency, loan)
- Login credentials for FAOV en Línea (BANAVIH's online system), or coordination to access it
- Your contact details for coordination
How the process works
You do very little. We take care of the rest. The whole process: on average, 3 to 5 business days.
- Step 1
Tell us what they're asking for
We identify exactly which document you need.
You do this - Step 2
We review your situation
We check the situation with BANAVIH.
We do this - Step 3
We handle the document
We process the certificate or statement.
We do this - Result
Done
We hand it to you, ready to submit.
You receive it
Depending on the type of document and your situation.
What it costs and how to pay
There are two separate payments, and we want you to see them clearly.
Our fee: we do all the work for you.
The agency's fees, if any. It goes straight to the agency, and we give you the exact amount, with its receipt, before you pay anything.
How you pay: You pay once, when we start. In dollars, in bolívares at the official BCV exchange rate, or with Cashea.
How is your investment calculated?
Your investment covers our handling of the document. Our professional fees, from $45, for identifying and obtaining the certificate or statement. They vary by type
If the document requires settling something first, it's quoted separately Your accountant gives you the exact figure before you pay anything, no strings attached.
FAQ
What happens if my employee applies for a home loan and the contributions certificate doesn't add up?
The loan gets denied or delayed. Contributions that were reported incorrectly or never paid in show up right there, and the employee holds you responsible.
Does it work for the employee's home loan?
Yes, the certificate of accrued contributions is one of the most common uses.
How much does it cost?
The professional fee, from $45, covers identifying and obtaining the certificate you need from BANAVIH.
Is it the same as the FAOV compliance certificate?
No. The compliance certificate says the company is current; the certificate proves one specific fact, such as accrued contributions.
What if I don't know which document I'm being asked for?
We identify it for you.
About this procedure
Sometimes you're not asked for the full BANAVIH compliance certificate, but for a specific FAOV certificate or statement that proves one particular fact. It might be the certificate of an employee's accrued contributions to process their home loan, the statement of their individual housing savings account, or the company's status as an employer. These are documents that a bank, a government agency or the employee themselves require, and without them, whatever procedure it is comes to a halt.
There's a strong human side to this: often the person who needs the paper is an employee who's about to buy or build a home, and for that the bank asks for the certificate of their FAOV contributions. If the company doesn't know how to get that document, or if the contributions have gaps that come to light when it's requested, that person's dream of a home gets stuck. It's one of those small procedures that, handled well, makes an employer look very good in the eyes of its people.
We take care of it fast: we identify exactly which FAOV certificate or statement you're being asked for, obtain it from BANAVIH and hand it to you ready, without you having to guess or stand in line. Pricing starts at $45 depending on the type of document. An advisor reviews the case and confirms with you before we start, no strings attached.
Legal framework and important notes
Ley del Régimen Prestacional de Vivienda y Hábitat (Housing and Habitat Benefits Law, FAOV)
- FAOV certificates and statements prove specific facts (accrued contributions, individual account, employer status)
- The contributions certificate is key for the employee's home loan
- They're different from the compliance certificate
- If the document requires settling pending items, that's quoted separately
We guarantee our service, not what the agency decides. If something depends on them, we tell you clearly and in time.
Is your case different?Ask us, message us on WhatsApp or book a free consultation. A real person answers you.