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What is the mortgage loan with the best rates and terms in Argentina? - La Nacion Propiedades
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www.lanacion.com.ar
May 07, 2025
When deciding which mortgage loan to take out to purchase a home, it is essential to be able to analyze all the variables and options offered on the market.
A lower rate means a cheaper mortgage loan, but it is not the only variable to take into account.Shutterstock
Since the end of April 2024, 24 banks have launched UVA loan lines to enable more people to access their own homes, with rates ranging from 3% to 14% —with benefits for those with bank payroll accounts.
In general, a lower interest rate on a mortgage loan means the loan is cheaper . However, it's important to keep in mind that loan payments can fluctuate over time due to inflation adjustments .
Although what will also impact the amount of the installment—to a lesser extent— is the loan repayment period : the more years it takes to repay the loan, the lower the installments will be. However, this also has a downside: the longer the term, the more years a person will spend in debt.
"The mortgage rate will have a greater impact on the total payment than the term of the loan," explains José Rozados, director of Reporte Inmobiliario. Therefore, real estate market analysts agree that the lower the rate, the "cheaper" the loan.
In Argentina, there is no single mortgage loan with the "best" rate and term , as conditions vary between banks and can depend on individual factors such as income and credit history. However, some banks may present themselves as the "lowest" options.
In Argentina, there is not a single mortgage loan with “the best” rate and term.maxie amena
To find the most suitable mortgage loan, it is recommended :
The maximum term offered is up to 20 years (240 installments).
The maximum payment term is up to 20 years (240 installments) and a minimum of five years (60 installments).
The loan term is 5, 10, 15, 25, and even 30 years.
www.buysellba.com
Source:
Cuál es el crédito hipotecario con mejores tasas y plazos en la Argentina
A la hora de definir que préstamo hipotecario sacar para la compra de una vivienda, es fundamental poder analizar todas las variables y opciones que se ofrecen en el mercado
www.lanacion.com.ar
May 07, 2025
When deciding which mortgage loan to take out to purchase a home, it is essential to be able to analyze all the variables and options offered on the market.
A lower rate means a cheaper mortgage loan, but it is not the only variable to take into account.Shutterstock
Since the end of April 2024, 24 banks have launched UVA loan lines to enable more people to access their own homes, with rates ranging from 3% to 14% —with benefits for those with bank payroll accounts.
In general, a lower interest rate on a mortgage loan means the loan is cheaper . However, it's important to keep in mind that loan payments can fluctuate over time due to inflation adjustments .
Although what will also impact the amount of the installment—to a lesser extent— is the loan repayment period : the more years it takes to repay the loan, the lower the installments will be. However, this also has a downside: the longer the term, the more years a person will spend in debt.
"The mortgage rate will have a greater impact on the total payment than the term of the loan," explains José Rozados, director of Reporte Inmobiliario. Therefore, real estate market analysts agree that the lower the rate, the "cheaper" the loan.
In Argentina, there is no single mortgage loan with the "best" rate and term , as conditions vary between banks and can depend on individual factors such as income and credit history. However, some banks may present themselves as the "lowest" options.
In Argentina, there is not a single mortgage loan with “the best” rate and term.maxie amena
To find the most suitable mortgage loan, it is recommended :
- Compare different options: evaluate interest rates (APR and TEA), terms, financing amounts, and specific conditions of each bank.
- Consider the annual percentage rate (APR): The APR is the percentage of interest paid annually, but does not include other charges.
- Review the annual percentage rate (APR): The APR includes all costs associated with the loan, so it's a more comprehensive indicator of your total cost.
- Evaluate the terms: Terms can vary from 10 to 30 years, depending on the bank and the loan conditions.
The 5 banks with the lowest rates on the market
1) The lowest rate: Banco Municipal de Rosario
Banco Municipal de Rosario launched its "NIDO" mortgage credit lines , with the goal of granting UVA loans to the entire province of Santa Fe at the lowest rate on the market: 3% for its payroll account customers and 4.2% for those who do not receive their paychecks there.The maximum term offered is up to 20 years (240 installments).
2) Banco Ciudad
The Bank of the City of Buenos Aires offers a promotional rate of 3.5% for purchases in downtown Buenos Aires and the south of the city, while for the rest of the city, the rate is 5.5%. In this case, the term is also up to 20 years.3) Bank of Neuquén
The provincial entity has different rates for two types of lines, with amortization periods of up to 20 years :- The first grants up to $50 million and has the lowest rate: 3.5% for clients with accreditation and a product package, and 4.5% for self-employed and micro-entrepreneurial clients.
- The second line is up to $100 million , with a rate of 8.5% for bank customers with a product package and 9.5% for those who do not collect their pay.
4) Bank of Chubut
The Chubut Provincial Bank grants UVA loans for the purchase, construction, completion, and renovation of permanent and non-permanent housing , provided that the housing is not used for commercial or professional purposes and is located within the province of Chubut. In this case, the Annual Nominal Rate is also 3.5% for those with a payroll account and 8% for those without deposits in the bank.The maximum payment term is up to 20 years (240 installments) and a minimum of five years (60 installments).
5) Banco Nación
The rate at the country's largest bank is also among the lowest on the market . In this case, it's 4.5% for payroll account customers requesting 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%.The loan term is 5, 10, 15, 25, and even 30 years.
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