How much income do I need for a mortgage?
Enter your income, debts and down payment to estimate the property price you can finance in Argentina with a UVA mortgage.
Your buying power
The payment cannot exceed 25% of net income.
Add cards, loans and other installments.
Banco Nación: 6% for a sole residence. Adjust for your bank.
We filter properties up to the estimated price.
Know what you can afford? See which bank fits best.
Compare mortgages by bankUSD/ARS conversion at ARS 1,020 per dollar (daily reference).
Informational estimate only. Not an offer or pre-approval: confirm rates and terms with each bank.
How your capacity is calculated
Your buying power depends on three limits: 25% of your net income (the most banks accept as a payment), the term and rate of the loan, and your down payment (banks finance up to ~75% of value, so the down payment also sets a ceiling).
We take the lowest of those limits: from the maximum affordable payment we compute how much loan fits at the chosen rate and term, add your down payment, and show the property price you can aim for.
The loan is in UVAs: the installment adjusts with inflation, so it is wise to leave a margin below the 25% cap.
Frequently asked questions
Why 25% of income?
It is the usual payment-to-income cap banks apply for UVA loans. Some consider household income or co-borrowers.
How does the down payment matter?
A bigger down payment raises the price you can reach. Since banks finance up to ~75%, the down payment also sets a price ceiling.
Can I add my partner's income?
Yes. Most banks let you combine co-applicants' income to raise capacity. Enter the combined income.
Is the payment fixed?
No. It is a UVA loan: the peso installment adjusts with inflation, so it is best not to reach the 25% limit.
Is this a pre-approval?
No. It is an estimate based on public rules; final approval depends on the bank, your income and the appraisal.
More tools in Argentina
UVA Mortgage Calculator
Estimate the monthly payment, required income and how your Argentine UVA mortgage evolves over time.
Mortgage comparison
Compare UVA mortgage rates across Argentine banks, with official BCRA data.
What is my property worth?
Estimate your home's market value with real data from comparable listings in your area.
How much can I rent my property for?
Estimate the monthly rent for your house or apartment with real data from comparable rentals in your area.
Sources
Reference rates and conditions used in this calculation.
Last updated: June 28, 2026