Question 1

What rental guarantees are available in Uruguay?

Accepted Answer

The main options are Porto Seguro, ANDA and the government SGA guarantee provided by the General Accounting Office. INGAR's calculator compares their cost and income requirements.

Question 2

How much income does each rental guarantee require?

Accepted Answer

Porto Seguro requires income equal to 3.33 times the rent. ANDA allows rent of up to 40% of nominal income. The government guarantee assesses each applicant's available net income report.

Question 3

How much do rental guarantees cost in Uruguay?

Accepted Answer

As of July 2026, Porto Seguro costs approximately 6% of annual rent; ANDA charges 3% of monthly rent plus membership dues; and the government guarantee charges 3% monthly with no membership fee.

Question 4

Which rental guarantee is best?

Accepted Answer

It depends on your income, rent and employment status. The calculator compares annual cost and minimum income for your situation.

Rental guarantee calculator

Quick guide to rental guarantees

Rental guarantee calculator

Quick guide to rental guarantees

What is a rental guarantee?

Private, mutual or government-backed: what is the difference?

What documents will you need?