What are mortgage loans?

In Argentina, we find a wide variety of mortgage loans or credits to buy a house, build it or even renovate it. For this reason, in some cases, it is difficult to decide for the most suitable for us.

Many questions arise, among them, what are the mortgage loans that exist? Are there favorable options even by provinces? We’ll tell you then.

Housing loans can be requested, to buy or to finance their construction, in different banks or financial institutions in Argentina.

We will also find that the conditions of these loans may vary depending on the type of client, for example, those who collect their salaries at the bank may receive better conditions than those who do not.

Here are some options and the main features of mortgage loans available in the country; however, knowing the alternatives, it is advisable to consult all the details on the different pages of the financial institutions.

Mortgage loans Good Finance


  • It has two types of housing loans: the traditional one for the purchase, construction or extension of the house; and Procrear credits for Young Savings.
  • With the Traditional Mortgage Loans for Housing of Good Finance, you have a Fixed Rate for the first 12 months and up to 15 years, to buy your first or second home. With financing of up to 70% of the appraisal value and a fee – income ratio of up to 40% of the income of the applicant or the family group. No need to be a single home.
  • With the Mortgage Loans for young savings, you have mandatory savings to be integrated into 12 fixed monthly and consecutive installments nominated in UVA at 5% TNA. You have up to 15 years of credit term.

Mortgage loans from Good Finance


  • The maximum amount will depend on the destination chosen for the mortgage loan. It will depend on the Purchasing Value Units, which can be updated by the Reference Stabilization Coefficient “CER” – Law 25.827 (“UVA”) with a first-degree mortgage guarantee. There is a minimum amount of $ 250,000.
  • There are different requirements to access mortgage loans depending on your employment situation.

According to the Bank itself, the requirements to apply for loans in the entity are:

Minimum work age:

  • Permanent employees: 6 (six) months.
  • Hired employees: 1 year and a current annual contract.
  • Employees of the National Public Sector not Categorized: demonstrable previous seniority of 1 year and current contract.


  • Enrolled in Earnings: 1 (one) year in the exercise of the profession or trade from the presentation of the first Affidavit of Earnings.
  • Monotributistas: 2 (two) years old in the profession or trade from the inscription in the Monotributo.

Mortgage Loans from Honest Bank

  • It offers mortgage loans, including for the purchase or for the construction of houses.
  • The financing term will depend on whether or not you collect your assets at the Province Bank. If this is the case, the term to pay the credit could be extended up to 240 installments.
  • Public administration employees can finance up to 100% of the value of their homes.

Good Finance Mortgage Loans

  • In this case, the maximum term to pay the loan could be extended by 15 years, that is, about 180 months.
  • Good Finance has different types of mortgage loans, which can be used for the purchase of a new or second-hand home, for its construction or to renovate it.

Mortgage loans of Good Finance

  • You have the possibility of loans with a fixed rate, having an income share ratio of up to 25% of the net income of the applicant and / or the family group.
  • It has a maximum amount of $ 3,400,000 in terms of 120, 180, 240, 300 and 360 months.
  • They have financing for the purchase of up to 75% of the value of the property, for spare parts of up to 100% of the budget, without exceeding 50% of the value of the property.

Good Finance Mortgage Loans

  • It offers different credits according to the plans for clients: UVA, UVA – ProCrAr, Variable.
  • The maximum amount offered is $ 16,000,000, financed in up to 20 years to obtain UVA loans. If you have your salary at Good Finance you can access preferential rates.
  • The purpose you can give UVA loans is quite varied: for the purchase of a single and permanent home, to improve the home, to repair it or for the purchase of an office, office, local or study.

Mortgage loans from Good Finance

  • There are mortgage loans for the acquisition, expansion, construction, and completion of housing. They also contemplate the “bridge” situations that are for those who are looking to move to a higher-value home and do not want or cannot simultaneously sell their current home.
  • Any employee under a dependency relationship or any person who works independently (under the earnings or mon tax regime) or Retirees can access the mortgage loans for the purchase of the home.
  • Loan amount up to $ 5,000,000 with a maximum financing of 80% of the value of the property, with a repayment term of up to 360 months.

7 Tips for taking out a mortgage loan

7 Tips for taking out a mortgage loan

When it comes to taking out a mortgage it is important to know how loans work and what you have to know so that your experience in this world of loans is much better.

  1. I fulfilled all the requirements requested by the bank or the financial institution.
  2. Prepare the necessary documentation.
  3. Calculate the exact amount you need to buy, renovate or finish your home.
  4. Pay attention to the fine print of the mortgage loan.
  5. Negotiate the conditions of your mortgage loan.
  6. I chose a mortgage loan that suits your situation.
  7. Compare the different mortgage loans before signing.

If you are thinking of taking out a mortgage loan you can advise Good Finance on how to have yours. There you can find the loan simulator that will help you to make the final calculations before deciding on the loan that suits you best.

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