Real Estate Sales Mortgage loans: These are the options and the most favorable rates, in September 2025 - La Nacion Propiedades

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Mortgage loans: These are the options and the most favorable rates, in September 2025 - La Nacion Propiedades











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Créditos hipotecarios: estas son las opciones y las tasas más favorables, en septiembre 2025

El endurecimiento de los requisitos y la suba de tasas de interés generó que cada vez menos personas puedas acceder a un préstamo hipotecario

www.lanacion.com.ar

September 23, 2025






The tightening of requirements and the rise in interest rates have meant that fewer and fewer people can access a mortgage loan.

The average bank rate rose from 5.1% (at launch) to 11.1% (currently). Daenin - Shutterstock



The dream of owning a home is rapidly becoming more expensive . In just a few months, mortgage loans went from being a tool that promised to revive demand to becoming a nearly unaffordable product. When the UVA lines were relaunched, the average rate was 5.1% per year . Today, in September 2025, that average has climbed to 11.1% , more than double.



Each bank applies different conditions and tightens requirements based on its funding and exchange rate volatility . Banco Nación , which initially appeared to be the mainstay of the system with rates of 4.5% plus UVA, has maintained that figure on paper, but has doubled the required scoring level, which in practice excludes most interested parties.







With a current average of 11.1% and a dollar around $1,470 , access to financed housing is increasingly restricted. For those looking to buy a property in September 2025, the first question is no longer how much per square meter it costs, but whether it is possible to afford a mortgage payment that, month by month, adjusts on two fronts: inflation and interest rate.

Banks with the lowest rates​

1) The lowest rate: Banco Municipal de Rosario​

Banco Municipal de Rosario launched its "NIDO" mortgage loan line , offering UVA loans throughout the province of Santa Fe at the lowest rate on the market: 3% for payroll account holders and 4.2% for those who do not receive their payroll there.

Conditions and requirements of the bank with the lowest rate:

• 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 monthly fee payable cannot exceed 25% of the applicant's income.
• All residents of the province of Santa Fe , between 18 and 65 years of age, who have demonstrable income, may apply. They may be: employees in a dependent relationship or independent workers (self-employed or micro-entrepreneurs).
• Income can be combined with other co-owners as long as the signatories are up to the third degree of consanguinity, that is: father or mother, spouse or partner, siblings and children, grandparents, uncles
• Maximum age to cancel the loan: 75 years
• Minimum seniority of one year

Registration or application is 100% online through the bank's website.

It is important to know all the requirements and conditions that banks apply. Daniel Basualdo

2) Bank of Neuquén​

The provincial entity has different rates for two types of lines:

• The first has the lowest rate of 3.5% for clients with accreditation and a product package, and the other, at 4.5%, covers self-employed and micro-entrepreneurial clients. The second line

• The first line grants up to $75 million and has the lowest rate: 3.5% for clients with credit and a product package, and 4.5% for self-employed and micro-entrepreneurs. The second line is for 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 paychecks.

Requirements and conditions for credit from Banco de Neuquén:

• Finance up to 80% for acquisition and 100% for construction
• Intended for single-family homes and permanent occupancy , both for purchase and construction. In the latter case, the construction must be carried out on land owned and unoccupied.
• 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

3) Banco Nación​

The rate at the country's largest bank is also among the lowest on the market . In this case, the rate is 4.5% for payroll account customers who request up to 180,000 UVAs; while for those who don't collect their paychecks from the bank or request more than 180,000 UVAs, the rate rises to 8%. However, despite being one of the banks with the lowest rate, the bank raised its scoring levels to impossible-to-reach numbers .

Requirements and conditions for accessing a mortgage loan from Banco Nación:

• The maximum amount is 260,000 UVAs
• Financing is up to 75% of the sale value of the home purchased.
• Payment method in UVAs
• 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, exchange, construction, renovation, and expansion of first and second homes throughout the country.
• The maximum age to apply for it is not to exceed 85 years at the time of completing the payment schedule.
• This bank accepts up to two account holders and two co-signers.

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