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Mortgage loans: how much do you need to earn to buy an apartment in February 2026 - La Nacion Propiedades
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www.lanacion.com.ar
February 12, 2026
The required income varies depending on the bank and the loan term, but there is a minimum income that must be met.
The initial payment on a mortgage loan should be equal to one-quarter of the applicant(s)' income.Daenin - Shutterstock
UVA (Purchasing Power Unit) mortgage credit lines returned to the Argentine market in 2024, and the main dilemma for potential borrowers to buy their own home remains proving income that supports the monthly payment
The question that arises among most Argentinians is the following: How much do you have to earn to qualify for a mortgage loan ?
Nowadays, it is increasingly difficult to obtain a bank mortgage loanPitukTV - Shutterstock
Added to this is the increase in bank interest rates and a tightening of credit scoring criteria , making access requirements increasingly demanding. These three new increases are making it increasingly difficult to obtain a bank mortgage .
Some banks have already raised their annual nominal interest rate (TNA) to 17% , the highest to date. Meanwhile, Banco Nación not only increased its rate to 6% (though still the lowest nationwide) but also tightened its credit scoring requirements . This means that a near-perfect credit profile is now needed to qualify for a loan.
The reasons behind this tightening are numerous: a lack of bank funding to lend significant amounts of money for 20 or 30 years, uncertainty , interest rates that increase monthly payments , and a country risk that keeps the financial system on high alert. “Raising the credit score to such a high level is a way of stopping lending without changing the interest rate,” acknowledged a real estate broker.
However, it's also important to know that the initial payment on a mortgage must be equivalent to one-quarter of the applicant's income . Therefore, even though banks set minimum income requirements, you cannot apply for a mortgage without knowing this essential requirement.
With these figures in mind, the dream of owning a home through a mortgage becomes an even greater challenge. The current exchange rate and financial climate puts pressure on both banks, which are raising requirements and interest rates, and families, who must demonstrate incomes well above the average Argentine salary.
The paradox is clear: loans are back, but they are far from being accessible to most people .
Loans are back, but they are far from accessible to most people. Daniel Basualdo
www.buysellba.com
Source:
Créditos hipotecarios: cuánto hay que ganar para comprar un departamento en febrero 2026
Los ingresos requeridos varían dependiendo del banco y del plazo con que se solicite el préstamo pero hay un mínimo con el que se debe contar
www.lanacion.com.ar
February 12, 2026
The required income varies depending on the bank and the loan term, but there is a minimum income that must be met.
The initial payment on a mortgage loan should be equal to one-quarter of the applicant(s)' income.Daenin - Shutterstock
UVA (Purchasing Power Unit) mortgage credit lines returned to the Argentine market in 2024, and the main dilemma for potential borrowers to buy their own home remains proving income that supports the monthly payment
The question that arises among most Argentinians is the following: How much do you have to earn to qualify for a mortgage loan ?
Nowadays, it is increasingly difficult to obtain a bank mortgage loanPitukTV - Shutterstock
The Impact of the Dollar and Interest Rates
The scenario has become more complex in recent months. The rise of the dollar has increased the cost of real estate measured in local currency . For example, in June 2025, with the dollar at $1200, $100 million was equivalent to about US$83,300. Currently, with the currency at $1420, that same figure is reduced to US$70,422Added to this is the increase in bank interest rates and a tightening of credit scoring criteria , making access requirements increasingly demanding. These three new increases are making it increasingly difficult to obtain a bank mortgage .
Some banks have already raised their annual nominal interest rate (TNA) to 17% , the highest to date. Meanwhile, Banco Nación not only increased its rate to 6% (though still the lowest nationwide) but also tightened its credit scoring requirements . This means that a near-perfect credit profile is now needed to qualify for a loan.
The reasons behind this tightening are numerous: a lack of bank funding to lend significant amounts of money for 20 or 30 years, uncertainty , interest rates that increase monthly payments , and a country risk that keeps the financial system on high alert. “Raising the credit score to such a high level is a way of stopping lending without changing the interest rate,” acknowledged a real estate broker.
The minimum income required by banks
Some banks establish minimum income requirements for users to access their UVA mortgage loan programs, and these are as follows:- 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 $1,387,200. However, to qualify for their preferential rate of 7.5%, 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's also important to know that the initial payment on a mortgage must be equivalent to one-quarter of the applicant's income . Therefore, even though banks set minimum income requirements, you cannot apply for a mortgage without knowing this essential requirement.
With these figures in mind, the dream of owning a home through a mortgage becomes an even greater challenge. The current exchange rate and financial climate puts pressure on both banks, which are raising requirements and interest rates, and families, who must demonstrate incomes well above the average Argentine salary.
The paradox is clear: loans are back, but they are far from being accessible to most people .
Loans are back, but they are far from accessible to most people. Daniel Basualdo
How much is the down payment per bank?
Now, analyzing each bank individually, we can see how the down payment will vary depending on the interest rate offered by each financial institution. Below is the total amount to be paid for a loan of one million pesos, broken down by bank:- BBVA: $707,487 (7.5% rate)
- Brubank: $1,212,380 (12% rate)
- City: with a rate of 12.5%, the initial payment will be $1,250,600
- Comafi: $998,392 (10.5%)
- Credicoop: $1,250,650 (12.5% rate)
- Del Sol: $992,500 (9% rate)
- Galicia: $1,447,900 (14% rate)
- Mortgage: $1,344,102 (18.9% rate)
- ICBC: $1,033,221 (11% rate)
- Macro: $1,500,000 (15% rate)
- Patagonia: $1,412,000 (14% rate)
- Santander: $1,250,880 (15% rate)
- Supervielle: $1,440,800 (15% rate)
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