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Mortgage loans: amounts, rates, and terms from banks in July 2025 - La Nacion Propiedades
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Créditos hipotecarios: montos, tasas y plazos de los bancos en julio 2025
Son 24 los bancos que ofrecen sus líneas de préstamo para comprar una propiedad; conocé las condiciones de cada una
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July 20, 2025
There are 24 banks offering loan lines for property purchases; learn about the terms and conditions of each one.
It is important to know the conditions of each bank when considering taking out a mortgage loan.PitukTV - Shutterstock
With the real estate market continuing to show signs of recovery and pent-up demand from buyers awaiting more stable conditions, mortgage loans are back on the radar . However, conditions are not the same for everyone: interest rates, maximum loan amounts, and financing terms vary depending on the bank and the applicant's profile.
In July 2025, several banks again modified some of their terms . In this context, each percentage point in the rate can make a significant difference in the monthly payment and the total amount due. Which banks are granting loans ? How much do they lend and under what conditions ? This article reviews the main options available for those seeking to access homeownership with bank financing.
Those who do not have a maximum amount to lend
1) Banco Santander
- With a fixed annual nominal rate of 9.5% for permanent housing and 12% for non-permanent housing
- The maximum term is 30 years
- Up to a maximum of 80% of the property value will be financed for the acquisition of permanent housing, and 50% for non-permanent housing.
- It is necessary to prove assets in Santander Argentina
- The quota-income ratio is up to 25%.
- Minimum income $1,030,000
2) Banco Supervielle
- This credit is unlimited in amount
- The Annual Nominal Rate is 8.5%
- The maximum term will be 15 years
- Financing is up to 70% of the property value.
- The credit installment may not exceed 25% of verified net income.
- The applicant must be between 18 and 65 years old (cancellation is possible up to age 75 ).
- Minimum income required for acquisition of $2,500,000
3) Banco Macro
- It has a term that can reach up to 20 years
- The loan must be for a first or second home.
- Allows financing of up to 70% of the property's deedable value for properties valued up to $350,000,000; 60% for more; and 90% for the youth line.
- A fixed annual nominal rate of 9.5% is offered to customers who deposit their salary into the bank. Those who do not receive their salary through the bank will receive a rate of 11.5%.
- For customers with a Select Salary plan , the loan installment cannot exceed 30% of income . For other users, the installment cannot exceed 25% of salary.
4) BBVA Bank
- It is offered for a term of up to 30 years.
- With an annual interest rate of 9.5% for those who prove at least three months of earnings in the entity and 12.5% for those who do not.
- Capital is adjusted by UVA
- Finance up to 80% of the property value for permanent use.
- The loan is for the purchase of a first or second home.
- The relationship between the credit installment and the applicant's income may be up to 25% and incomes between spouses or partners may be combined to access the line.
5) Banco Galicia
- Capital is also adjusted by UVA
- It has a rate of 12.5%, and if it is a first home, 10.5%
- The loan is for a term of up to 20 years for home purchases , and up to 10 years for those intended for renovation and expansion.
- In the case of the acquisition of a first or second home, up to 70% is financed , and for expansion and renovation, 50%
- The amount cannot exceed 25% of the applicant's income . However, the income of a spouse, partner, or family group (up to four people) may be added to the purchase of the home.
6) Del Sol
- It has an interest rate of 9% for those who deposit their earnings in the bank and 12.5% for those who do not receive their salary there.
- The credit is for a term of up to 20 years
- The bank finances up to 80% of the property
- The amount cannot exceed 25% of the applicant's income.
24 banks are still offering their mortgage credit lines. Daniel Basualdo
7) Bank of Corrientes
- Intended to finance the construction, acquisition, expansion and renovation of a single or second home, for family use or permanent occupation, and the purchase of land for general clientele.
- All individuals who receive their salaries through credit to accounts enabled at Banco de Corrientes can access it.
- The period for the acquisition and construction of a home is 240 months (20 years); for expansion, renovation, or land purchase, it is 120 months (10 years).
- Maximum amount : Up to 80% of the lower value between the appraisal and the purchase price is financed. For construction, 80% of the project value is financed.
- It is adjustable by UVA + fixed rate of 5%
They lend from $250,000,000 to $350,000,000
8) ICBC Bank
- The maximum amount is $300,000,000 for the purchase of a primary residence for permanent use. And $150,000,000 for the renovation, expansion, or purchase of a non-permanent residence.
- Payment method in UVA
- A rate of 8.9% for those who have a salary account with the entity and 10.5% for the rest of the applicants
- The ratio of the fee to the applicant's income is 25%.
- The loan term is up to 20 years.
- Financing is up to 75% of the sale value of the property to be acquired
- It can be accessed with a minimum income of $1,000,000
- Income from a spouse, partner, or parent can be added.
9) Mortgage Bank
- The credit is for up to $250,000,000
- They finance up to 80% of the home you buy or build. Up to 50% for completed construction. And 100% for expansions.
- It has a rate of 10.9%
- The maximum payment term is 20 years
- The monthly fee to be paid cannot exceed 25% of the applicant's income.
10) Brubank
- The loan is for the purchase of a first or second home
- The maximum loan term is up to 30 years.
- The loan offers a maximum amount of $250 million.
- They are granted in pesos, at a fixed rate, adjustable by UVA
- The rate is 8% for clients who credit their salary to Brubank and 10% for those who do not.
- You can add income from your spouse, parents, children or partner to apply.
- The quota-income ratio is up to 25%.
- Finance up to 70% of the property
11) Credicoop Bank
- Up to 240 months term (20 years)
- Maximum amount: $200,000,000
- Financing cap of 70% for first home and 50% for second home
- 25% share/income ratio
- Financing is for the acquisition, construction, expansion, improvement and/or completion of a home for family use and permanent occupation or second home.
- With the UVA line with a fixed rate of 8.5% (for those who credit their assets to the bank) and 9.5% (without crediting)
12) Comafi Bank
- Delivery of up to $350 million
- The credit is up to 20 years of financing
- The rate is 9%
- Finance up to 75% of your first and second home; and up to 50% for renovations or expansions.
- The quota-income ratio is 25%.
- The maximum age to take out the loan must be 65 years, and 75 years at the end of the loan.
- Income can be combined with up to four co-signers.
13) Bank of Entre Ríos
- Repayment period of up to 20 years and is in pesos adjustable by UVA
- Annual nominal fixed rate of 6.5% for clients who receive their salary in each of the entities and 8.9% for those who do not prove income
- Finance up to 75% of the property's value
- Grants a maximum amount of $300 million
- The fee-to-income ratio must not exceed 30% of the applicant's net income for banked customers, and 25% for non-banked customers.
14) Bank of San Juan
- Repayment period of up to 20 years and is in pesos adjustable by UVA
- Annual nominal fixed rate of 6.5% for clients who receive their salary in each of the entities and 8.9% for those who do not prove income
- Finance up to 75% of the property's value
- Grants a maximum amount of $300 million
- The fee-to-income ratio must not exceed 30% of the applicant's net income for banked customers, and 25% for non-banked customers.
15) Bank of Santa Cruz
- Repayment period of up to 20 years and is in pesos adjustable by UVA
- Annual nominal fixed rate of 6.5% for clients who receive their salary in each of the entities and 8.9% for those who do not prove income
- Finance up to 75% of the property's value
- Grants a maximum amount of $300 million
- The fee-to-income ratio must not exceed 30% of the applicant's net income for banked customers, and 25% for non-banked customers.
16) Bank of Santa Fe
- Repayment period of up to 20 years and is in pesos adjustable by UVA
- Fixed annual nominal rate of 6.5% for clients who receive their salary from each of the entities and 8.9% for those who do not have any income.
- Finance up to 75% of the property's value
- Grants a maximum amount of $300 million
- The fee-to-income ratio must not exceed 30% of the applicant's net income for banked customers, and 25% for non-banked customers.
17) Banco Nación
- The maximum amount is 230,000 UVAs (about $300,000,000 )
- The rate is 4.5% for bank customers with a salary account and 8% for those without a salary account.
- Those who receive their salaries from the institution will have an "anti-inflation" option : when applying for loans, they can select an option that will allow them to cap their payment with an annual premium of 1.5%. The cap will be applied to the loan through an adjustment based on the salary variation coefficient. The difference in the amounts will be carried over to the end of the loan, updated by UVA (UVA). Once the payment schedule is finalized, the remaining balance will be rescheduled. This can be paid with a personal loan or a mortgage extension.
- Financing is up to 75% of the sale value of the home purchased.
- The ratio of the fee to the applicant's income must not exceed 25%.
- The term to request the loan is 5, 10, 15, 25 and up to 30 years
- The loan is intended for the purchase, conversion, construction, renovation, and expansion of homes throughout the country, as well as for the acquisition of a second home.
18) Bancor (Córdoba)
- Up to 75% of the property is financed
- Per applicant (who are bank clients) a maximum of around $320 million (250,000 UVAs) is granted to date.
- The financing term is between 5 and 20 years.
- The capital is adjustable by UVAs with a rate of 8.9% for those who have a salary account and 9.9% for those who do not receive their salaries in the bank.
- The maximum quota/income ratio percentage is 25%.
19) City Bank
This option allows you to purchase a property located in AMBA, Córdoba, Mendoza, Tucumán or Salta :- Only those who already receive or migrate their salary accreditation to Banco Ciudad can access it.
- The loan is for the purchase, renovation, improvement, or expansion of a first or second permanent or non-permanent home in all areas served by Banco Ciudad (AMBA, provinces of Córdoba, Mendoza, Tucumán, and Salta).
- The maximum loan amount is $300,000,000 (up to 75% of the sale value of the unit to be acquired)
- The general line has an interest rate of 8.1% and 4.5% for purchases in particular areas of the City of Buenos Aires.
- The term is up to 20 years
- The fee must not exceed 25% of the applicant's and/or family group's income.
20) Dino Bank
- Lends up to 250,000 UVAs (about $350 million)
- Suitable for first or second home
- The rate is 7.5% for customers who deposit their salary into the bank.
- Maximum term of 15 years
- Loans up to 75% of the value of the home
- The income quota ratio is 25%.
From $100,000,000 to $200,000,000
21) Bank of Chubut
- The loan provides up to $200 million for both acquisition and construction, and 75% of the property's value is financed .
- In the event of termination, up to 60% of the budget value is financed, with a maximum of up to $75 million, and 100% of the guarantee value is applicable, but not exceeding 35%, up to a total of $75 million.
- The maximum payment term is up to 20 years (240 installments) and a minimum of 5 years (60 installments).
- Amortization system: French , monthly
- The capital is adjustable by UVA
- The rate is 6% for first homes and 8.5% for second homes.
- The monthly fee to be paid cannot exceed 30% of the applicant's income.
22) Patagonia Bank
- The loan is for the acquisition of housing for permanent use or investment and also for home renovations .
- The credit is in pesos, adjustable by UVA
- It offers a nominal annual rate of 9.5% for those who collect their income in the bank and 12% for the open market.
- The maximum loan term is up to 30 years.
- The loan offers a maximum of $120 million
- Up to 75% of the appraised value is financed for purchase and up to 25% of the appraised value for home renovations.
- The ratio between the loan installment and the applicant's income may be up to 25%.
23) Municipal Bank of Rosario
- The credit grants up to $100 million
- Finance 75% of the property's value
- The maximum payment term is up to 20 years (240 installments)
- Amortization system: French , monthly
- The capital is adjustable by UVA
- The rate is 3% for those who have a salary account and 4.2% for those who do not have a salary account.
24) Bank of Neuquén
- The rate is 3.5% for clients with accreditation and a product package, and the other is 4.5%, covering self-employed and micro-entrepreneurial clients who request up to $75 million.
- While the second line is up to $150 million , with a rate of 8.5% for bank clients with a product package and 9.5% for those who do not collect their salaries.
- Finance up to 80% for acquisition and 100% for construction
- Intended for single-family homes and permanent occupancy , both for purchase and construction (the work must be carried out on own land and free of occupation)
- The amortization period is up to 20 years.
- The value of the fee cannot exceed 30% of the income
- Minimum age is 18 years and the maximum is 65 years
- Not having a current loan for construction, remodeling and/or expansions
- The building or property must be located in the Province of Neuquén
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