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What are the loans to buy a house like?
These credits for the buying a house delivered by Banco Nación allow from 5 to 30 to return them and are adjusted by Purchased Value Units (UVA), according to the inflation recorded by INDEC.
As explained by Banco Nación, the fixed interest rate is 4.50% in the case of clients of the entity and 8% for those who are not clients. There is also the possibility of adding a cap to the value of the company’s fees. home through the Salary Variation Coefficient in difference of the UVA. This has a monthly cost of 1.5%.
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Who can access credit to buy a house
As explained by Banco Nación, all people who wish to buy a house through these loans must meet the following requirements:
- Be employees in a permanent employment relationship and have proof of work experience of no less than 2 years; must have a minimum of 1 year seniority in the current job
- In the case of the self-employed, they must be registered in Earnings with 2 years in the exercise of the profession or trade from the presentation of the first DDJJ of earnings.
- Or be monotributistas with 2 years of seniority in the profession or trade as of registration in the monotribute and 1 year in the category.
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How much is the house payment?
As explained by Banco Nación, the fee cannot exceed 25% of declared income. Even people who request a mortgage loan for the buying a house They can present joint owners to offer a higher income.
However, in the event that co-debtors are incorporated, the house fee It must represent 50% of your declared income.
In any case, a very important point when it comes to house purchase is that to give the credit, it must first be verified that, after deducting the fee, each person’s income exceeds the minimum, vital and mobile wage.
