Son 24 Banks that since the end of April 2024 They launched their loan lines in grapes, so that more and more people have the possibility of accessing their own home, With rates ranging from 3% to 14% -With benefits for those who have salary account in banks.
In general, a lower interest rate in a mortgage loan implies that the loan is cheaper. However, it is important to keep in mind that credit quotas can vary over time due to inflation adjustment.
Although also what will impact – on the least – in the amount of the quota It is the deadline in which the loan is returned: The more years he takes to pay the credit, minors will be the quotas. But, this also has its against: in a greater term, the greater the amount of years that a person indebted.
“The rate of a mortgage loan will impact more on the total amount of the fee than the period in which it is requested,” explains José Rozados, director of Real estate report. Hence, Real estate analysts agree that the lower the rate, “cheaper” will be the loan.
In Argentina, There is not a single mortgage loan with “the best” rate and termsince the conditions vary between banks and can depend on individual factors such as admission and credit history. However, some banks can be presented as the most “low” options.
To find the most appropriate mortgage credit, it is recommended:
The Municipal bank of Rosario launched its lines of Mortgage credits “nest”with the objective of Grant grape loans directed to the entire province of Santa Fe With the lowest market rate: 3% for their customers with a salary account and 4.2% for those who do not charge their assets there.
-On the other hand, the maximum period in which it is offered is up to 20 years (240 installments).
The Bank of the City of Buenos Aires has a promotional rate of 3.5% to buy in the Buenos Aires microcentro and in the south of the city, while for the rest of the areas the rate is 5.5%. In this case, the deadline is also up to 20 years.
The provincial entity has different rates for two types of lines, with amortization period of up to 20 years:
The Bank of the Province of Chubut grants grape credits for Acquisition, construction, termination and refaction to permanent and non -permanent housingas long as it does not have a commercial or professional destination, and that are located within the province of Chubut. In this case, the annual nominal rate is also from 3,5% For those who have salary and 8% for those who do not prove their assets in the bank.
He Maximum payment period is up to 20 years (240 installments) and with a minimum of five years (60 installments).
The most important bank rate in the country It is also among the lower market. In this case, it is from 4,5% For customers With salary account request up to 180,000 grapes; while for those who do not charge their assets in the entity or request an amount greater than 180 thousand grapes the rate amounts to 8%.
The deadline for requesting the loan is 5, 10, 15, 25 and up to 30 years.
To know the best options that adapt to your needs, enter the Nation mortgage loan calculator that will allow you to know which banks you qualify and what are the conditions in each one, according to your requirements.
