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Goodbye to renting: the legal trick to qualify for a mortgage with low income - La Nacion Propiedades
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www.lanacion.com.ar
February 05, 2026
One of the biggest problems in accessing long-term loans to buy a home has to do with the applicant's income.
To qualify for a mortgage loan, the down payment must not exceed one-quarter of the borrower's verifiable income. PitukTV - Shutterstock
2026 arrived with high expectations in the real estate market . Industry analysts are optimistic about a reactivation of UVA (Purchasing Power Unit) mortgage loans —which returned to the market in April 2024 — to achieve greater dynamism
Mortgage loans appear as one of the crucial variables in the market's realignment , since specialists assure that if loans are granted on a "good scale" properties will inevitably rise in price and that will mobilize the market; without them, progress will be slow and very selective.
In this way, the market will gradually "wake up" as banks readjust loan rates , which saw significant increases in 2025, leaving many people unable to access credit. Furthermore, some banks have already raised their annual nominal rate (TNA) to 17% , the highest to date. Thus, the sector appears to have overcome its paralysis and entered a phase of rational optimism.
The foundations for genuine growth are beginning to be laid , but the speed of takeoff will depend, once again, on economic variables meeting expectations .
High rates are making it increasingly difficult for prospective borrowers.FreePik
To understand how rising interest rates affect those seeking credit, it's important to note that one of the essential requirements is that the down payment cannot exceed 25% of the applicant's income . Therefore, as the interest rate increases, the down payment also increases, and consequently, the borrower's required income must be higher
The reasons behind this tightening are multiple: the lack of funding for banks to lend a significant amount of money for 20 or 30 years, economic uncertainty , interest rates that increase the cost of installments , and a country risk that keeps the financial system on alert.
However, it is also necessary to know that the initial payment for a mortgage loan must be equivalent to a quarter of the applicant's income , so even though banks establish what the minimum income is, it cannot be requested without knowing this essential requirement .
www.buysellba.com
Source:
Adiós al alquiler: el truco legal para calificar al crédito hipotecario con ingresos bajos
Uno de los grandes problemas de acceso al préstamo a largo plazo para comprar una vivienda tiene que ver con los ingresos del solicitante
www.lanacion.com.ar
February 05, 2026
One of the biggest problems in accessing long-term loans to buy a home has to do with the applicant's income.
To qualify for a mortgage loan, the down payment must not exceed one-quarter of the borrower's verifiable income. PitukTV - Shutterstock
2026 arrived with high expectations in the real estate market . Industry analysts are optimistic about a reactivation of UVA (Purchasing Power Unit) mortgage loans —which returned to the market in April 2024 — to achieve greater dynamism
Mortgage loans appear as one of the crucial variables in the market's realignment , since specialists assure that if loans are granted on a "good scale" properties will inevitably rise in price and that will mobilize the market; without them, progress will be slow and very selective.
In this way, the market will gradually "wake up" as banks readjust loan rates , which saw significant increases in 2025, leaving many people unable to access credit. Furthermore, some banks have already raised their annual nominal rate (TNA) to 17% , the highest to date. Thus, the sector appears to have overcome its paralysis and entered a phase of rational optimism.
The foundations for genuine growth are beginning to be laid , but the speed of takeoff will depend, once again, on economic variables meeting expectations .
High rates are making it increasingly difficult for prospective borrowers.FreePik
To understand how rising interest rates affect those seeking credit, it's important to note that one of the essential requirements is that the down payment cannot exceed 25% of the applicant's income . Therefore, as the interest rate increases, the down payment also increases, and consequently, the borrower's required income must be higher
The reasons behind this tightening are multiple: the lack of funding for banks to lend a significant amount of money for 20 or 30 years, economic uncertainty , interest rates that increase the cost of installments , and a country risk that keeps the financial system on alert.
The minimum income required by banks to access
Some banks set minimum income requirements for users to access their UVA mortgage loan programs:- Banco Credicoop : requires a minimum income exceeding $3,000,000.
- Banco Del Sol: requires a minimum income of $1,000,000
- ICBC : In this case, the necessary condition to request a loan is to have a minimum income equal to or greater than $1,100,000.
- BBVA : The bank requires a minimum income equal to or greater than four times the minimum wage. This is currently US$1,288,800. However, to qualify for their preferential 8% interest rate, the minimum income is $5,000,000.
- Santander : $1,540,000 for the purchase of permanent housing and $1,700,000 for non-permanent housing.
- Supervielle : requires that the applicant have an income exceeding $5,000,000
However, it is also necessary to know that the initial payment for a mortgage loan must be equivalent to a quarter of the applicant's income , so even though banks establish what the minimum income is, it cannot be requested without knowing this essential requirement .
How can people with low incomes access it?
In Argentina there is no secret “legal trick”, but rather a series of qualification strategies and specific programs that allow people with middle or low incomes to access a mortgage loan, such as:- Combining income (co-borrowers): Most banks allow you to combine income with a spouse, partner, or even immediate family members (parents, children, or siblings). This option is essential for those who don't have sufficient individual income or want to increase the loan amount to purchase a more expensive property.
- Proof of income: In practically all banks, receiving your salary in the entity that grants the loan usually lowers the interest rate by 1 to 2 percentage points , which reduces the initial payment and makes it easier to comply with the payment-income ratio, which is usually around 25% to 30%.
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