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Property deeds in the province of Buenos Aires: February with year-on-year decline and drop in credit, is it a seasonal phenomenon? - Ambito Financiero
Source:
www.ambito.com
March 25, 2026
By Jose Luis Cieri
Real estate on the rise on the coast: beachfront apartments in Mar del Plata remain among the most sought-after and are sustaining provincial real estate activity. Ruger Real Estate Business
The real estate market in the province of Buenos Aires registered a slight year-on-year decrease in the number of deeds in February, in a context where mortgage credit lost momentum and the sector's expectations are focused on an improvement in financial conditions.
During the second month of the year, 7,655 real estate transactions were completed, according to the monthly survey by the Buenos Aires Notary Association . This figure represents a 4% decrease compared to the 7,952 transactions registered in February 2015.
Compared to January, the data showed an increase. Deeds registered grew by 18% compared to the 6,495 recorded in the first month of the year , in line with a seasonal pattern that typically shows less activity during the summer and a recovery towards March.
Mortgage activity showed a weaker trend. In February, 1,046 mortgages were signed, a 26% year-on-year decrease. There was also a 13% drop compared to January, reflecting a slowdown in the use of mortgage financing for home purchases.
Longhi noted that market behavior in the first months of the year is usually driven by seasonal factors, but also pointed to the impact of financial conditions. He indicated that activity levels cooled after December and attributed this to the summer recess and the evolution of interest rates.
Sources within the real estate market maintain that some lenders have begun adjusting their terms. Banks such as Santander and BBVA have lowered their rates, following previous increases that had negatively impacted loan demand.
Longhi suggested that this change could have a positive effect in the short term. He indicated that the recovery could take hold starting in March, although he clarified that the real impact will be measured in the coming weeks.
He also highlighted the importance of certain locations in the volume of transactions. He mentioned that Mar del Plata, La Plata, and Vicente López accounted for a significant portion of the deeds, along with districts such as Avellaneda, Tigre, and Morón. He also added Bahía Blanca and Tandil as locations with a high level of activity.
According to their analysis, mortgage loans played a central role in this process. Access to financing allowed many families to move from renting to owning, with monthly payments that in some cases were comparable to rent.
Source: College of Notaries of the Province of Buenos Aires
Ledain also linked the growth to monetary stabilization and the money laundering program, which allowed undeclared savings to be channeled into the real estate market. He considered that this combination of factors created a favorable environment for the expansion of transactions.
Regarding demand, he identified a clear preference for used and affordable housing. He noted that houses in outlying areas of city centers and studio- and one-bedroom apartments attracted the most interest.
The most sought-after price range was between US$50,000 and US$100,000, with a reference price close to US$90,000 for typical units. This segment solidified as the most dynamic in the market.
He indicated that the election results and fears of changes in economic direction influenced purchasing decisions. This was compounded by rising mortgage rates, which reduced access to financing.
The leader believes that macroeconomic stability will be crucial for market performance. She noted that predictability in variables such as the exchange rate and inflation can boost economic activity.
The city center of La Plata. The provincial capital is also a major player due to its contribution of real estate transactions.
He also warned about risk factors. He mentioned that legal uncertainty and economic insecurity could lead to a decrease in demand and hinder investment decisions.
At the same time, he addressed the situation in the construction sector. He indicated that high costs have reduced the attractiveness of off-plan or new construction projects, which in many cases have ceased to be competitive compared to used units.
He explained that the tax burden and the costs associated with registering the deed make these types of transactions more expensive. He suggested that potential changes in tax or labor regulations could improve conditions in the sector.
Regarding short-term trends, Ledain agreed that the first few months of the year typically show less activity. He noted that a slowdown has been observed since mid-December, associated with the holidays and vacations.
Ledain indicated that towards the end of February and during March there is a market recomposition, with greater interest from buyers and a reactivation of searches.
Interest rate behavior appears to be a key factor in this recovery. The possibility of accessing credit on more favorable terms could once again drive transactions, especially in the middle segments.
In this context, the province's real estate market is going through a transition period. The slight year-on-year decline in February coexists with signs of monthly recovery and expectations of improvement in the coming months.
Longhi concluded that the evolution of mortgage credit will be crucial to consolidating a sustained recovery in the level of deeds.
www,buysellba.com
Source:
Escrituras en la provincia de Buenos Aires: febrero con baja interanual y caída del crédito, ¿es un fenómeno estacional?
Se registraron 7.655 operaciones, cifra que confirmó una suba mensual como contraste. El mercado espera una baja de tasas más fuerte para reactivar la demanda.
www.ambito.com
March 25, 2026
By Jose Luis Cieri
Real estate on the rise on the coast: beachfront apartments in Mar del Plata remain among the most sought-after and are sustaining provincial real estate activity. Ruger Real Estate Business
The real estate market in the province of Buenos Aires registered a slight year-on-year decrease in the number of deeds in February, in a context where mortgage credit lost momentum and the sector's expectations are focused on an improvement in financial conditions.
During the second month of the year, 7,655 real estate transactions were completed, according to the monthly survey by the Buenos Aires Notary Association . This figure represents a 4% decrease compared to the 7,952 transactions registered in February 2015.
Compared to January, the data showed an increase. Deeds registered grew by 18% compared to the 6,495 recorded in the first month of the year , in line with a seasonal pattern that typically shows less activity during the summer and a recovery towards March.
Mortgage activity showed a weaker trend. In February, 1,046 mortgages were signed, a 26% year-on-year decrease. There was also a 13% drop compared to January, reflecting a slowdown in the use of mortgage financing for home purchases.
Notarial analysis
The president of the Notary Association of the province of Buenos Aires, Guillermo Longhi , analyzed the situation and highlighted the market's dual dynamics. He explained: "The figures for February show a level of activity that registers a slight year-on-year decrease in sales and a more marked decrease in mortgages."Longhi noted that market behavior in the first months of the year is usually driven by seasonal factors, but also pointed to the impact of financial conditions. He indicated that activity levels cooled after December and attributed this to the summer recess and the evolution of interest rates.
Sources within the real estate market maintain that some lenders have begun adjusting their terms. Banks such as Santander and BBVA have lowered their rates, following previous increases that had negatively impacted loan demand.
Longhi suggested that this change could have a positive effect in the short term. He indicated that the recovery could take hold starting in March, although he clarified that the real impact will be measured in the coming weeks.
He also highlighted the importance of certain locations in the volume of transactions. He mentioned that Mar del Plata, La Plata, and Vicente López accounted for a significant portion of the deeds, along with districts such as Avellaneda, Tigre, and Morón. He also added Bahía Blanca and Tandil as locations with a high level of activity.
Real estate reading
From the real estate sector, the analysis incorporates a broader perspective on what happened in the last year. The president of the Buenos Aires Province Real Estate Chamber (CIBA), Lilian Ledain , reviewed the factors that boosted the market in 2025, when nearly 150,000 transactions were reached, the highest level in almost two decades.According to their analysis, mortgage loans played a central role in this process. Access to financing allowed many families to move from renting to owning, with monthly payments that in some cases were comparable to rent.
Source: College of Notaries of the Province of Buenos Aires
Ledain also linked the growth to monetary stabilization and the money laundering program, which allowed undeclared savings to be channeled into the real estate market. He considered that this combination of factors created a favorable environment for the expansion of transactions.
Regarding demand, he identified a clear preference for used and affordable housing. He noted that houses in outlying areas of city centers and studio- and one-bedroom apartments attracted the most interest.
The most sought-after price range was between US$50,000 and US$100,000, with a reference price close to US$90,000 for typical units. This segment solidified as the most dynamic in the market.
Coming
Regarding expectations for 2026, Ledain stated that the sector anticipates a recovery similar to that observed in the first half of 2025. He noted that during the second half of last year, a slowdown was recorded, linked to political and financial factors.He indicated that the election results and fears of changes in economic direction influenced purchasing decisions. This was compounded by rising mortgage rates, which reduced access to financing.
The leader believes that macroeconomic stability will be crucial for market performance. She noted that predictability in variables such as the exchange rate and inflation can boost economic activity.
The city center of La Plata. The provincial capital is also a major player due to its contribution of real estate transactions.
He also warned about risk factors. He mentioned that legal uncertainty and economic insecurity could lead to a decrease in demand and hinder investment decisions.
At the same time, he addressed the situation in the construction sector. He indicated that high costs have reduced the attractiveness of off-plan or new construction projects, which in many cases have ceased to be competitive compared to used units.
He explained that the tax burden and the costs associated with registering the deed make these types of transactions more expensive. He suggested that potential changes in tax or labor regulations could improve conditions in the sector.
Regarding short-term trends, Ledain agreed that the first few months of the year typically show less activity. He noted that a slowdown has been observed since mid-December, associated with the holidays and vacations.
Ledain indicated that towards the end of February and during March there is a market recomposition, with greater interest from buyers and a reactivation of searches.
Interest rate behavior appears to be a key factor in this recovery. The possibility of accessing credit on more favorable terms could once again drive transactions, especially in the middle segments.
In this context, the province's real estate market is going through a transition period. The slight year-on-year decline in February coexists with signs of monthly recovery and expectations of improvement in the coming months.
Longhi concluded that the evolution of mortgage credit will be crucial to consolidating a sustained recovery in the level of deeds.
www,buysellba.com
