Overview
- The +Hogares platform has been live since January 12, enabling borrowers to apply, upload documents and track approvals entirely online, with only the deed signing in person and typical decisions arriving in under 24 hours.
- Total lending stock rose 53% in 2025, led by a 124% surge in foreign‑currency loans directed largely to export‑oriented firms and large companies.
- +Hogares issued 21,500 mortgages totaling about ARS 2.4 trillion in 2025, capturing roughly 49.5% of national mortgage placements.
- Process digitization cut average time from application to disbursement from roughly 200 days to under 50 days, with new customers accounting for 40% of borrowers.
- Further digital gains included +Autos financing for more than 11,300 vehicles through over 1,400 dealers with market share above 20%, 333,000 online openings of dollar savings via BNA+, 70% share of VQR transport payments with 560,000 daily trips, a drop in portfolio irregularity to 2.5% and a FIX SCR AAA(arg) rating.