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Argentina Expands Inflation-Linked Housing Loans with New Offerings from Banco Nación and Banco Ciudad

Banco Nación updates its UVA mortgage terms while Banco Ciudad launches a personal loan for land and construction, but high income thresholds limit accessibility.

Los nuevos créditos otorgan hasta $100 millones para construir una vivienda o comprar un terreno, incluso en un barrio cerrado
La cuota de un crédito hipotecario va a depender de la tasa del banco en el que se solicite
Créditos hipotecarios: cómo son las condiciones de cada uno de los bancos
Créditos hipotecarios de Banco Nación: la cuota si pedís 85 millones en abril

Overview

  • Banco Nación now offers mortgages of up to 235 million pesos, covering 75% of property value with a maximum term of 30 years, tied to the inflation-indexed UVA mechanism.
  • Banco Ciudad has introduced a personal UVA loan capped at 100 million pesos for land purchase and home construction, with a fixed 9.5% interest rate plus UVA adjustments over a 10-year term.
  • The initial monthly payment for a Banco Nación mortgage is 430,683 pesos for an 85 million-peso loan and 304,217 pesos for a 60 million-peso loan, both over 30 years.
  • Applicants face strict income requirements, with Banco Ciudad requiring a minimum monthly income of 865,000 pesos and Banco Nación needing over 1 million pesos for larger loans.
  • While 24 banks now offer UVA loans, inflation-linked adjustments and eligibility criteria continue to restrict broader access to Argentina's reactivated housing finance market.