Monthly FAOV filing
We file and pay your monthly FAOV contribution with BANAVIH on time, so you avoid interest and roadblocks to your compliance certificate. From $65.
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.
- Employers registered with BANAVIH who must file and pay the monthly FAOV contribution and want to do it on time and correctly calculated, without risking interest or a blocked housing compliance certificate
What's included and what isn't
Everything clear from the start. No fine print.
Includes
- Calculation of the FAOV contribution on full salary (2% employer, 1% employee).
- Preparation of the filing in FAOV en Línea.
- Handling of the payment within the month's deadline.
- Proof of the filing and payment.
Does not include
- The contribution amount itself, which the company pays.
- Company or employee registration, if missing (separate services).
- Settling past-due months (quoted separately: FAOV debt settlement).
- Full payroll accounting (separate service).
What you need
Check off what you already have. You don't need everything to request your quote.
You have 0 of 5.
- Company and employees registered with BANAVIH
- The month's payroll with each employee's full salary
- Login credentials for FAOV en Línea, or coordination to access it
- Details of the approved financial institution
- Your contact details for coordination
How the process works
You do very little. We take care of the rest.
- Step 1
Share your payroll
We gather your payroll for the month.
You do this - Step 2
We calculate the contribution
We work out the contribution on full salary and prepare the filing in FAOV en Línea.
We do this - Step 3
We file and pay
We handle the filing and the payment within the deadline.
We do this - Result
Done
You're current with the month's FAOV, with no debt piling up behind the scenes.
You receive it
Within the monthly deadline set by BANAVIH (national housing bank), once we have your payroll for the month.
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 filing. Our professional fees, from $65, for calculating, filing and handling the payment. They go up with the size of the payroll
The FAOV contribution itself (2% employer, 1% employee, on full salary), which the company pays, is separate Your accountant gives you the exact figure before you pay anything, no strings attached.
FAQ
What happens if I skip the FAOV filing for a month?
The contribution becomes debt with interest, your employees stop building their housing savings and your compliance certificate gets blocked. One forgotten month turns into a growing debt.
When is it filed?
Within the first few days of each month, according to BANAVIH.
How much does it cost?
The professional fee, from $65, covers calculating and filing one month based on the size of the payroll; the company pays the contribution.
How much is the contribution?
2% from the employer and 1% from the employee, on full salary.
Is the subscription worth it?
If it's every month, yes. The Payroll contributions up to date subscription brings together IVSS (Venezuelan Social Security Institute), FAOV and INCES (national training institute; collects the employer training levy).
About this procedure
FAOV is filed and paid every month, no exceptions. The law requires the employer to pay in the contribution, the two percent the company puts in and the one percent withheld from the employee, calculated on full salary (salario integral), within the first few days of each month, through a financial institution approved by BANAVIH and through FAOV en Línea (BANAVIH's online system). It looks like a small obligation, but because it's monthly, it doesn't forgive carelessness.
The classic pitfall is the silent backlog. One skipped month, one late filing, one miscalculation of full salary, and the system starts piling up interest and discrepancies. And as with all these contributions, the blow lands when you request the housing compliance certificate and it's denied, or when an employee wants to apply for their loan and discovers their contributions have gaps. What was a simple monthly routine becomes a debt that has to be rescued.
We make sure your FAOV is filed and paid on time: we calculate the contribution on each employee's full salary, prepare the filing in FAOV en Línea and handle the payment within the month's deadline, so a backlog never builds up and your compliance certificate never gets stuck. Pricing starts at $65 and is adjusted to the size of your payroll. An advisor reviews your 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)
- The FAOV contribution (2% employer, 1% employee, on full salary) is filed and paid monthly within the first few days of the month, through FAOV en Línea and a financial institution approved by BANAVIH
- Late payment generates interest and blocks the compliance certificate
- The company pays the contribution; our professional fees cover the handling
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.