ARMANEXT has been appointed as Listing Sponsor to Tu Primer Hogar, a new initiative led by Grupo Alfil together with other participating partners, which introduces a different approach to accessing homeownership.
This announcement follows the project’s recent institutional presentation, held at full capacity and attended by representatives from public administration and the real estate development sector. A relevant first milestone that confirms the interest generated around the model and its rollout across different locations.
Beyond the context, the core of the project lies in its structure.
A model designed around the entry barrier
Tu Primer Hogar is based on a clear premise: the main obstacle to accessing homeownership is not only monthly affordability, but the requirement of an upfront down payment.
On this basis, the project implements a rent-to-own model, with a defined financial logic:
- Access to housing without any initial upfront payment
- Purchase price fixed from the beginning of the contract
- A portion of rental payments applied as a discount on the final purchase price
- Incentives linked to payment track record
- Support throughout the mortgage pre-qualification process
This approach transforms rent into a progressive path to ownership, providing visibility over the entire process from the outset.
Certainty, transparency and objective criteria
The model is built on a defined operational structure, with objective criteria both for access and for setting economic conditions.
Prices —both rental and future purchase— are established from the beginning using formulas linked to real costs and market benchmarks, reducing uncertainty associated with price evolution over time.
In addition, the project includes different modalities adapted to a range of economic profiles, with transparent and standardized selection processes.
From a product perspective, developments incorporate energy efficiency criteria and a design focused on long-term operational sustainability.
Scalability and execution
From a growth standpoint, the project follows a structured rollout strategy:
- Land acquisition in locations with established demand
- Implementation of the model across multiple provinces
- Partnerships with financial institutions to facilitate financing
- A digital platform for operational management
It is therefore a replicable model, designed for scale and supported by a structure that enables deployment across different geographies.
The role of ARMANEXT
In this context, ARMANEXT acts as Listing Sponsor, supporting the company in its development within the market.
This role includes overseeing regulatory compliance, structuring corporate and financial information, and supporting investor relations, bringing discipline and market standards to the project.