The banks that have already announced their loan lines are Hipotecario, Ciudad, Supervielle, ICBC, Banco del Sol, Banco Provincia del Neuquín, Banco de Corrientes and Bancor (from the province of Córdoba).
ICBC Bank
The maximum amount is $250,000,000.
Payment method in UVAs.
A rate of 5% for those who have a salary account with the entity and 7.5% for the rest of the applicants.
The relationship of the fee with the applicant’s income is 25%.
The term to request the loan is up to 15 years.
Financing is up to 75% of the sale value of the property to be acquired.
The credit is intended for the acquisition of first and second homes, renovation and expansion.
Supervielle Bank
The minimum income must be from $1,000,000 for the purchase, and $450,000 for expansion, renovation or improvement, being able, in both cases, to joint remuneration with their spouses, common-law partners or parents.
This credit has no limit on the amount.
The capital is adjustable by UVAs.
For those who have a salary account in the bank, the rate is 4% for the first 12 months and then 5%. For their part, for clients who do not prove their salaries and for non-clients, the rate will be 8%.
The maximum term will be 30 years.
For permanent housing, 80% is financed, non-permanent 75%.
The applicant must present the documentation related to the property to be acquired or renovated/expanded.
The credit fee may not exceed 25% of the verified net income.
Those interested will now be able to carry out an online simulation from the entity’s website to obtain information about the fees and also the requirements, conditions, and receive the support of an executive in the application and granting process.
city Bank
This option allows you to buy a property located in AMBA, Córdoba, Mendoza, Tucumán or Salta:
Only those who already collect or migrate the accreditation of their salary to Banco Ciudad can access it.
The credit is to buy, renovate, improve or expand a permanent or non-permanent first or second home in all areas of influence of Banco Ciudad (AMBA, provinces of Córdoba, Mendoza, Tucumán and Salta).
The maximum loan amount is $250,000,000 (up to 75% of the sales value of the unit to be acquired).
The general line has an interest rate of 5.5%.
The capital is adjustable by UVA.
The terms are for 10, 15 and up to 20 years.
The fee should not exceed 25% of the income of the applicant and/or their family group.
Banco Ciudad has the credit with the lowest rate on the market but it has some limitations: you can only buy a property in the portage microcenter. For those who purchase a single family home with permanent occupation in the downtown area, the interest rate is 3.5%. The other requirements are those already detailed in the previous credit line.
It is important to indicate that the downtown area is the one located within the perimeter included by the Sustainable Urban Development Fund (Fodus) program and that includes the avenues San Juan, Entre Ros, Callao, Santa Fe, Leandro N. Alem and Paseo Colón, on both sidewalks. The Government’s plan to promote the reactivation of the downtown area includes tax benefits for developers who convert offices into homes or facilities for those who move to the downtown area as tenants. Now add this line of credits for those who want to buy a home in that area.
The credit has already been launched and can be requested online on the website or at the entity’s branches by registering to be contacted.
hipotecary Banc
The credit is for up to $250,000,000 in a single disbursement in the case of the purchase of a home. For construction the amount is the same but with an advance payment and two disbursements against progress of the work. In the case of completion or expansion, it is up to $125 million in a single disbursement.
They finance up to 80% of the home to buy or build. Up to 50% in case of completion of work. And 100% for expansion.
The credit must be used for the purchase, construction, completion or expansion of a first or second home.
It has a rate of 8.5% and the first 12 installments for clients with credited assets in the bank have a rate of 4.25%, which means a 50% promotion in the first year (with the total financial cost : rate of 8.65% final; 4.4% final the first year for salary accounts).
The maximum payment term is 360 months (30 years).
The capital is adjustable by UVA.
The monthly fee payable cannot exceed 25% of the applicant’s income.
The start date will be May 15.
Bancor (Crdoba)
100% of the purchase of the property or construction and expansion or completion is financed.
Per applicant (who are clients of the bank), a maximum of $90,000,000 or 100,000 UVAs is granted to date.
The term for financing is between 5 and 20 years.
The capital is adjustable by UVAs with a rate of 4.90% throughout the term.
The maximum fee/revenue ratio percentage is 25%.
The initial loan is $17,000,000 (20,000 Grapes), with a payment close to $115,000 and with required income of $470,000 for the entire family group. Not only that of a couple can be computed, but also that of the parents of both; The line is also for singles. For the maximum amount the fee is $554,000 and income of $2,250,000 must be met. That is, for every $10,000,000, the fee today is $66,150.
Development companies that have an agreement with Bancor are included in the mortgage line. Their offer of housing (houses or apartments) or construction on lots that do not yet have deeds is also available and suitable to be financed with these credits and the same conditions apply as the rest, with the developer being the one who guarantees each operation so far. of writing.
Provincial Bank of Neuqun
This bank offers two lines of credit that will have registration available starting May 27:
The first line will be up to $50,000,000, which must be accessed with income of $890,000 and an initial fee of $300,000 will be paid. The second line will be up to $100,000,000. To access that amount, you must have income of $2,700,000 and pay an initial fee of $940,000.
For the first line, the rate will be 3.5% for bank clients with a product package and 4.5% for the rest of the cases. In the second line, the rate will be 8.5% for bank clients with a product package and 9.5% for non-clients.
Payment is through the UVA methodology
Up to 80% can be financed in the case of acquisition and purchase and 100% for construction.
It must be used for the purchase, construction and expansion of a first home.
Intended for unique homes with permanent occupation, both for purchase and construction. In the latter case, the work must be carried out on its own land, free of occupation.
The amortization period will be 20 years.
The value of the quota may not exceed 35% of the net income.
Another financing for home expansion, renovation and completion will be through the personal loan modality, with a term of up to 72 months and a maximum amount of $15 million. The interest rates will be 50% for those who have accreditation of earnings in the BPN and 60% for those who do not.
Current Bank
Intended to finance the construction, acquisition, expansion and renovation of a single or second home, family destination or permanent occupation and purchase of land for general clientele.
All those individuals who receive their salaries through credit to accounts enabled at the Banco de Corrientes can access it.
The term for the acquisition and construction of housing is 240 months (20 years). For expansion, renovation or purchase of land it is 120 months (10 years).
Maximum amount: up to 80% of the lowest value between warranty appraisal and purchase value is financed. For construction 80% of the project value.
It is adjustable by UVA + fixed rate of 5%.
Sun Bank
The Sancor Seguros digital bank will join the mortgage market to offer its clients financing options in UVAs for the purchase, construction, expansion and/or renovation of a home. This is the second private bank to announce the return of loans, but has not yet made its conditions and requirements public.
