Cheaper alternatives after price adjustment

After the elections, UVA loans registered changes: public banks offer low and reasonable interest rates, private banks adjust installments and restrict customers

03/12/2025 – 11:03 am

After the legislative elections Mortgage loans Modified by Grapes Recorded renewed dynamism. Various financial entities have amended their data Annual Nominal Rates (TNA)changing the list of the most competitive alternatives for those who want to obtain a loan for their home

at the moment, Prices go From 6% to 15% annually It depends on the bank, the client’s relationship, and whether he receives his salary from the entity. Despite persistent inflation, UVA mortgages are attracting attention for maintaining lower prime rates than in previous years.

In a context where renting a Three environments can exceed $850,000 per month In CABA, many families analyze whether taking out a loan is more convenient than continuing to pay rent.

State vs. Private Banks: Differences in Premiums and Rates for UVA Mortgage Loans

A noticeable difference is noted: State institutions assume leadership on more favorable terms, in contrast to private institutions that adapt to the bottom-up or grant privileges to specific clients.

The most convenient platform

• Nation Bank: Interest rate of 6% annually, financing up to 75% of the appraised value and a term of up to 30 years. The initial payment for a $100,000 loan equals: $809,000.
• PBVA: TNA of 8% for customers who get paid there, finance up to 70% and allow credit for 30 years. Initial fee: $1,100,000.
• Sun Bank: 9% interest rate, up to 80% financing, minimum income $1,000,000, with advance cancellation commission 4% + VAT if paid within 180 days.

Price adjustments and monthly surprises

he Creditcop Bank I was surprised by the increase in prices: From 10.5% to 12.5% For customers with an approved salary From 11.5% to 13.5% For others. This raised the initial fee of $100,000 100,000 US dollars Its equations above $1,600,000is close to traditional private banks such as Galicia also Santander.

The largest private banks maintain interest rates close to 15%.with initial installments of $100,000 which amounts to approximately $1,900,000.

• Supervillewith terms of 15 years, exceed $2,000,000, showing a gap of more than 100% compared to public banks and digital banks.
• Industrial and Commercial Bank of China It reduced its TNA to 11% for clients with assets and 12% for the rest.
• PBVA It was revised from 10.5% to 7.5% for post-election clients, intensifying private competition.

The real estate market expects a boom in mortgage loans due to low interest rates and fewer requirements

he Real estate market Argentina is preparing for 2026 It can enhance the growth process started with the return UVA Mortgage Loans. After a year of real estate revitalization, View Loans mortgage before Banks It was temporarily suspended during the electoral process. but Now, expectations have returned to positivity thanks to expectations of greater economic stability.

After knowing the data for October Holy books In the province of Buenos Aires and in Capa, it was confirmed that mortgage loans in the country have already exceeded 35 thousand in 2025, a volume not seen for more than seven years.

The consensus among specialists indicated that the general trend was positive, albeit conditional on macroeconomic stability and the ability of the financial system to expand available financing. Current rates still look high by international standards, but they have been at more predictable levels (particularly for those collecting salaries at the banks that process them) and are beginning to show a gradual downward trajectory.

If confirmed, 2026 could mark a turning point an idea: The return of credit as a structural driver of the market, not just a passing phenomenon.

Germán Gomez Picasso, of Reporte Inmobiliario, weighs in on the market’s reaction to the recent changes. “heights Rates In recent months (some as high as 15%), they have been unable to reduce demand. Credit demand continues, especially in official banks, which have maintained generally low interest rates” He said.