Real Estate Sales Mortgage loans: amounts, rates, and terms from banks in September 2025 - La Nacion Propiedades

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Mortgage loans: amounts, rates, and terms from banks in September 2025 - La Nacion Propiedades











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Créditos hipotecarios: montos, tasas y plazos de los bancos en septiembre 2025

Cada entidad bancaria tiene sus propias tasas y condiciones para otorgar préstamos que permitan comprar una propiedad

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September 05, 2025



Each bank has its own rates and conditions for granting loans to purchase a property.

Mortgage loans are calculated in UVA, but not all lines are the same.Inna Kot - Shutterstock





The terms of UVA (Purchasing Value Unit) mortgage credit lines 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 September 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​

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1) Banco Santander​

• With a fixed annual nominal rate of 12.5% for permanent housing and 14% 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%.

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 the verified net income.
• The applicant must be between 18 and 65 years old (cancellation is possible up to age 75 ).

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 nominal annual fixed rate of 15% is offered
• For customers with a Selecta 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.

There are 24 entities that have mortgage credit lines

5) Banco Galicia​

• Capital is also adjusted by UVA
• It has a rate of 11.5% and, if you stop receiving your salary from the entity, it rises to 13.5%.
• 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) From the Sun​

• 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.

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 crediting 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%

It is important to know the conditions of each bank before making any decision.PitukTV - Shutterstock

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 $1,100,000
• 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 purchase or build. Up to 50% for completed construction. And 100% for expansions.
• It has a rate of 11.9%
• The maximum payment period 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 deposit their funds in the bank) and 9.5% (without depositing)

12) Comafi Bank​

• Delivery of up to $350 million
• The credit is up to 20 years of financing
• The rate is 9% for clients with a salary account.
• 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 have 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 have 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 have 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 collect 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%.

From $100,000,000 to $200,000,000​

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19) 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 11.5%
• 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%.

20) 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.

21) 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

Both Banco Ciudad and Banco de Chubut reported that their mortgage lending lines have been paused until further notice .




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