Las conditions of the Mortgage Loads UVA (Unit of purchasing value) They are not the same for everyone: Interest rates, the maximum amounts granted and financing deadlines vary according to the banking entity and the applicant’s profile.
In September 2025, Several entities They modified some of their conditions. In this context, each percentage point in the rate can mean an important difference in the monthly fee and in the total amount to be paid. What banks are granting credits? How much do they provide and under what conditions? This note reviews the main options available for those who seek to access their own housing with bank financing.
With one fixed rate Annual Nominal of 12,5% for permanent housing and 14% Not permanent
The maximum period is 30 years
It will be financed until a maximum of 80% of the property value For permanent housing acquisition, and 50% for non -permanent housing
It is necessary to prove salar in Santander Argentina
The quota-ranking ratio is up to the 25%
2) Supervielle Bank
This credit is no amount of amount
The Annual nominal rate It is from 8,5%
The maximum period will be to 15 years
The financing is up to the 70% of the property value.
Credit fee cannot exceed 25% of income verified grandchildren
The applicant’s age has to be 18 a 65 years (with cancellation Until 75 years)
3) Banco Macro
It has a term that can reach Until 20 years
The loan must be allocated to First or second home
Allow finance up to 70% of the writing value of the property for properties with values up to $ 350,000,000; 60% for more; and 90% for your young line
A annual nominal fixed rate of15%
For customers With select salary plan, Credit fee may not exceed 30% of income.For the rest of the users, The quota cannot be above 25% of the salary
4) BBVA Bank
It is offered for a period of up to 30 years.
With an annual interest rate of 9.5% For those who They accredit at least three months of assets in the entity and of 12,5% For those who do not
Capital It is adjusted by grapes
Finish up to 80% of the property value for permanent use.
The loan is to allocate to the purchase of first or second home
The relationship between credit and income fee of the applicant may be of up to 25% And they can add income between spouses or couple To access the line
There are 24 entities that have mortgage loans
5) Banco Galicia
Capital too It is adjusted by grapes
It has one 11.5% rate and, if you stop collecting the salary in the entity, rises to 13.5%
Credit is for a period of up to 20 years for the case of housing purchaseand of up to 10 years to Those who are destined to Refaction and expansion
In the case of acquisition of first and second home, is financed to 70%y for expansion and refaction 50%
The amount cannot exceed 25% of the applicant’s income. In any case, the income of the spouse, cohabiting or family group (up to four people), for the acquisition of the house
6) of the sun
It has one 9% interest rate for those who prove their assets In the bank and 12.5% for those who do not charge their salary there
Credit is for a period of up to 20 years
The bank Finish up to 80% of the property
The amount cannot exceed 25% of the applicant’s income
7) Bank of Corrientes
Intended for Finance the construction, acquisition, expansion and refaction of a unique or second house, family destination or permanent occupation and purchase of land for clientele in general
They can access all those natural persons who receive their assets by accreditation in accounts enabled in the Bank of Corrientes
The deadline for Acquisition and construction of housing is 240 months (20 years); forExpansion, refaction or purchase of land is 120 months (10 years)
Maximum amount: Up to 80% of the lower value between guarantee appraisal and purchase value is financed. For construction 80% of the project value
It is adjustable by grape + fixed rate of 5%
It is important to know the conditions of each bank before making any decisionPitukTV – Shutterstock
They lend from $ 250,000,000 to $ 350,000,000
8) Banco ICBC
The maximum amount is $300.000.000 for the purchase of main housing and permanent use. And $ 150,000,000 for refaction, expansion or purchase of non -permanent use housing
Modality of Payment in grapes
A 8.9% rate For those who have salary account in the entity and 10.5% For the rest of the applicants
The ratio of the quota with the applicant’s income is 25%
The deadline for requesting the loan is Up to 20 years
The financing is up to the 75% of the property sale value acquire
Can be accessed with Minimum income of $ 1,100,000
Income can be added of spouse, cohabiting or one of the parents
9) Mortgage Bank
Credit is for Up to $ 250,000,000
Finance Up to 80% of the house to buy or build. Up to 50% in case of a work termination. And 100% for extension
It has one 11.9% rate
The maximum payment period is 20 years
The monthly fee to pay cannot exceed 25% of income of the applicant
10) Bangrank
The loan is For the purchase of a first or second home
The maximum credit period is up to 30 years
Credit offers a Maximum amount of $ 250 million
They are granted in pesos, at a fixed, adjustable by grape
The rate is 8% for customers who prove the salary In Brubank and 10% For those who do not
Can add income from the spouse, parents, children or concubine/or to apply
The quota-engineer ratio is up to 25%
Finances up to 70% of the property
11) BANK CREDICOOP
Until 240 months Term (20 years)
Maximum amount: $200.000.000
Bumper 70% financing for first home and 50% for the second home
25% quota/income ratio
Financing is for Acquisition, construction, expansion, improvement and/or termination of family use housing and permanent occupation or second home
With the grape line with a fixed rate of 8.5% (For those who prove their assets in the bank) and 9.5% (No accreditation)
12) Comafi Bank
Delivery until $ 350 million
The credits is up to 20 years of financing
The rate is 9% For clients with salary account
Finances up to 75% of the first and second home; and up to 50% in refaction or expansion
The relationship quota-engineering is 25%
The maximum age when taking the loan must be 65 years, and 75 years at the end
Income can be added to even Four co -debtors
13) Banco de Entre Ríos
Return period of up to 20 years forks in grape adjustable pesos
6.5% annual nominal rate for customers that charge their salary in each of the entities and 8.9% for those who do not accredit assets
Finances up to 75% of the value of the property
Grants a maximum amount of $ 300 million
The quota-ranking ratio It should not exceed 30% of the net income from the applicant for banking customers, and 25% for customers without assets
14) Banco de San Juan
Return period of up to 20 years forks in grape adjustable pesos
6.5% annual nominal rate for customers that charge their salary in each of the entities and 8.9% for those who do not accredit assets
Finances up to 75% of the value of the property
Grants a maximum amount of $ 300 million
The quota-engineer ratio should not exceed 30% of the net income from the applicant for banking customers, and 25% for customers without assets
15) Banco de Santa Cruz
Return period of up to 20 years forks in grape adjustable pesos
6.5% annual nominal rate for customers that charge their salary in each of the entities and 8.9% for those who do not accredit assets
Finances up to 75% of the value of the property
Grants a maximum amount of $ 300 million
The quota-engineer ratio should not exceed 30% of the net income from the applicant for banking customers, and 25% for customers without assets
16) Banco de Santa Fe
Return period of up to 20 years forks in grape adjustable pesos
6.5% annual nominal rate for customers that charge their salary in each of the entities and 8.9% for those who do not accredit assets.
Finances up to 75% of the value of the property
Grants a maximum amount of $ 300 million
The quota-engineer ratio should not exceed 30% of the net income from the applicant for banking customers, and 25% for customers without assets
17) National Bank
The maximum amount is 230,000 grapes (some $300.000.000)
The rate is 4.5% For bank customers with salary account and 8% No salary account
Who charge their assets in the entity will have a “Anti-inflation” option: When requesting loans, they will be able to hire an option that will allow them to put a stop at the fee with a 1.5% annual premium. The top will result from applying an adjustment to the loan through the wage variation coefficient. The difference in the amounts will be transferred at the end of the loan updated by grape, and once the payment schedule is finished, the balance that results will be reprogrammed. This can be paid with a personal loan or an extension of the mortgage.
Financing is up to 75% of the sale value of the house acquire
The ratio of the quota with the applicant’s income must not exceed 25%
The deadline for requesting the loan is 5, 10, 15, 25 and up to 30 years
Credit is intended for Purchase, change, construction, refaction and expansion of homes throughout the country as well as for the acquisition of a second house.
18) Bank (Cordoba)
With finances up to 75% of the property
By applicant (who are bank customers) A maximum, to date, of around $ 320 million (250,000 grapes) is awarded to date (250,000 grapes)
The deadline for financing is between 5 and 20 years
Capital is adjustable by grapes with a rate of 8.9% For those who have salary account and 9,9% For those who do not charge their assets in the bank
The percentage of maximum quota/income ratio is 25%
From $ 100,000,000 to $ 200,000,000
19) Banco Patagonia
Credit is for housing acquisition for permanent use or investment and also, to Home Refaction
Credit is in pesos, adjustable by grape
Offers one annual nominal rate of 11.5%
The maximum credit period is up to 30 years
The loan offers a maximum of $ 120 million
With finances up to 75 % of the appraisal value for the purchase case and up to 25 % of the appraised value for housing refaction
The relationship between Loan quota and the applicant’s entry may be up to 25%
20) Municipal Bank of Rosario
The credit grants up to $ 100 million
Finances 75% of the value of the property
He Maximum payment period is up to 20 years (240 installments)
Amortization system: Frenchmonthly
Capital is adjustable by grape
The rate is 3% For those who have salary account and 4.2% For those who do not have a salary account
21) Bank of Neuquén
The rate is 3.5% For customers with accreditation and product package, and the other is 4.5%, it covers autonomous and monotributist customers, asking Up to $ 75 million
While the second line is Up to $ 150 millionwith a rate of 8.5% for bank customers with product package and 9.5% for those who do not charge their assets
Finish up to 80% In the case of acquisition and a 100% for construction
Destined to Unique and permanent occupation housingboth for purchase and construction (the work must be developed in its own field and occupation free)
The deadline for amortization is up to 20 years
The quota value cannot exceed 30% of income
Minimum age is 18 years and the maximum of 65 years
Do not have a loan for construction, remodeling and/or current extensions
The construction or property must be found in the province of Neuquén
22) Chubut Bank
The Chubut Bank would have paused the granting of new credits, but from the entity they confirmed to The nation They continue, although on their website there is currently no information. The last published reported the following:
The credit grants Up to $ 200 millionboth for acquisition and for construction, and 75% of the value of the property is financed.
In the case of termination, up to 60% of the budget value is financed with a maximum of up to $ 75 million and of application is 100% without exceeding 35% the guarantee value, up to a total of $ 75 million.
He Maximum payment period is up to 20 years (240 installments) and with a minimum of 5 years (60 installments)
Amortization system: Frenchmonthly
Capital is adjustable by grape
The rate is 6% For first home and 8,5% For second home
The monthly fee to pay cannot exceed 30% of income of the applicant
He City Bank He informed that his mortgage loans They were leisurely until further notice.
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