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Argentina Expands UVA Loan Options with New Mortgage and Construction Credit Lines

Banco Nación and Banco Ciudad introduce updated terms and tools to boost housing affordability as Argentina's mortgage market gains momentum.

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 UVA-indexed mortgages with a maximum loan of 235 million pesos, 30-year terms, and coverage of up to 75% of property value.
  • Banco Ciudad launched a new UVA personal loan for lot purchases or home construction, featuring a 9.5% fixed rate plus UVA, German amortization, and loans up to 100 million pesos.
  • Online simulators from Banco Nación and LN Propiedades enable borrowers to calculate monthly installments and compare loan options using daily BCRA inflation data.
  • To qualify for UVA loans, borrowers must meet minimum income thresholds and ensure initial installments stay within 25–30% of their income.
  • Since October 2024, Argentina's reactivated mortgage market has averaged US$200 million and 2,000 loans monthly, with US$214 million issued in March 2025.