Return of mortgages to our country has raised a huge number of inquiries and aroused the interest of many people in 2024. The real estate market and citizens seeking “private house” They were excited to have those funding lines back Grapes.
However, in the final months of 2025, banks, in a highly volatile context, began to do so Raising rates I Tightening demands For those who want to access this type of credit.
How a Banco Nación mortgage loan works
The most important questions to consider about Mortgage loan from Banco Nación They are the following:
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They are dealt with in UVA (units of purchasing value) format. That is, the fee is updated with inflation according to the CER index. The daily UVA rate can be found on the BCRA website
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Fees are settled monthly
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The French system is used
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The maximum amount requested is about 390 million pesos
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The mortgage loan covers a maximum of 75% of the home’s value
With regard to economic requirements They are the following:
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Minimum Income: This is the minimum amount the bank requires you to earn to deliver the required capital. The level varies depending on the amount required
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Stability and seniority: In the case of employees with a permanent employment relationship, a seniority of at least one year must be proven, and they must have a seniority of at least 6 months in the current job. In the case of appointees, the minimum is 4 years of seniority on the job and 6 months in the current position. For self-employed people, they must be registered with Earnings, with two years in practice or trade from filing the first DDJJ of Earnings. For monotributistas, two years of seniority in the profession or trade are required from registration as a monotributista and one year in the category. If it is proven that the work continues for two years with both conditions combined, the lowest income in the last year is taken into account.
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Failure to register negative reports within the last 12 (twelve) months and classify them in standard status in the rules of the Central Bank of the Argentine Republic (BCRA)
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To calculate the amount, the initial fee-to-income ratio cannot exceed 25%. It is important to note that net income can be added, either within the spouses themselves or from the owners’ immediate relatives (parents, children or siblings), as long as they become co-debtors and main payers of the loan, forming a bond or security in favor of the National Bank of Bahrain.
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Obtain the necessary funds to complete the home payment process. For example, if 75% of the home is financed, the 25% in question should be included.
In addition to these requirements, the Bank indicates that each applicant can be the owner of undivided part/s of property/real estate up to 50% per house.
This happens as long as the person proves it Does not reside In the properties mentioned through Supporting documents related to the binding divorce, granting a lifetime free usufruct over the propertyfor the benefit of other persons or other similar situations in which it is verified that borrowers have one or more undivided shares of real estate of up to 50% per house and prove that they do not reside there.
In all cases, a Declaration of oath To this end compliance with both conditions is expressed.
Allowed destinations, prices and deadlines
Allowed destinations UVA Mortgage Loans from Banco Nación We are Acquisition, change, renewal, expansion, completion or construction Whether for a single home with permanent occupancy or for a second home.
Regarding the deadlines, whether to buy or change housing, this term may be 5, 10, 15, 20, 25 or 30 years. For construction 5, 10, 15, 20, 25 or 30 years from the date of the first disbursement.
To expand, renovate or finish, it may be 5,10 or 15 years Counting from the first batch. It is important to highlight that in all destinations, the maximum life expectancy for canceling loan obligations will be 85 years old comprehensive.
However, in case the applicant is nearing retirement, i.e. he is less than 5 years away from retirement and the loan application is for a period between 5 and 30 years, the following percentages are applied to the applicant’s net permanent calculable income. Expected deadline For retirement:
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12 months or less: Bank finances up to 50%
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13 to 24 months: up to 60%
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25 to 36 months: up to 70%
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37 to 48 months: up to 80%
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49 to 59 months: up to 90%
As for interest ratefor the case Acquiring, altering, building, expanding, renovating or completing a single house for permanent occupancywith a home value equal to or less than 210,000 UV raysthe The fixed annual nominal rate is 6%..
If the destination is a second home or the property value is greater than 210,000 UVA and up to 350,000 UVA, The fixed annual nominal rate is 12%.. The Bank highlights that, exclusively in cases of the previous point, they may choose to incorporate the employment of A belovedunderstood as the price payable for the right to claim benefits arising from the contract, which allows them to choose a maximum monthly value of their share to be paid CVS function instead of UVA.
It is worth noting that Premium cost It will arise from the difference between the fee calculated at the price agreed in the process and the fee with an additional 2 ppa