Mortgages & credit

UVA Mortgage Calculator

Estimate the initial payment of a UVA mortgage in Argentina, how much you need to earn, and how the installment can adjust with inflation.

Your UVA mortgage

ARS 122,400,000
$20,000$600,000

In Argentina, properties are usually listed in US dollars.

$30,000
10%60%

Most banks finance up to 75–80% of the value.

5 years30 years
4.0% TNA18.0% TNA

Banco Nación: 6% for a sole residence. Adjust for your bank.

ARS 500,000ARS 20,000,000

The payment cannot exceed 25% of net income.

0%60%

Only projects the future installment; it does not affect the initial payment.

Loan amount
$90,000
ARS 91,800,000
Initial payment (monthly)
ARS 657,684
≈ $645
Required income
ARS 2,630,735
So the payment is 25% of income.
The initial payment exceeds 25% of income. Increase the down payment, term or declared income, or add co-borrowers.

How your payment evolves

The peso installment adjusts by UVA (inflation). This is a nominal projection using the inflation you assumed.

WhenEstimated payment (ARS)
Year 1ARS 657,684
Year 5ARS 1,970,114
Year 10ARS 6,012,310
Year 20ARS 55,994,002

Nominal projection. If your salary adjusts with inflation at the same pace, the payment's share of your income stays relatively stable.

Banks offering UVA mortgages

Banco de la Nación Argentina6%Banco HipotecarioBanco CiudadBBVA ArgentinaBanco SantanderBanco GaliciaBanco MacroICBC ArgentinaBanco SupervielleBanco PatagoniaBanco Provincia (BAPRO)
See properties within your budget

We filter properties up to the entered price.

Want to see which bank has the best rate?

Compare mortgages by bank

USD/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 a UVA mortgage works

UVA mortgages are denominated in Unidades de Valor Adquisitivo (UVA), a unit the central bank (BCRA) updates daily by CER (inflation). The interest rate (TNA) is fixed in UVA terms, but the peso installment rises as the UVA rises.

That keeps the initial payment low relative to the property price, but the balance and installment adjust monthly with inflation. Salaries usually adjust too, though not always at the same pace — that gap is the main risk of the UVA system.

This calculator estimates the initial payment, the income needed (the installment should not exceed 25% of income), and a projection of how the nominal installment would grow under the inflation you assume.

How to get a UVA mortgage

The typical path to apply for a UVA loan.

  1. 1

    Calculate your capacity

    Use this simulator to estimate the payment and required income before going to the bank.

  2. 2

    Compare banks

    Check each bank's TNA, term and financing percentage.

  3. 3

    Gather documents

    ID, tax number (CUIT/CUIL) and proof of income (pay slips or self-employed income).

  4. 4

    Request pre-approval

    The bank assesses your payment-to-income ratio and issues a pre-approved amount.

  5. 5

    Appraisal and deed

    The property is appraised, the mortgage deed is signed, and the loan is disbursed.

Common requirements

  • Verifiable income (pay slips or self-employed/monotributo income).
  • Payment-to-income ratio of up to 25%.
  • Down payment of 20–25% of the property value.
  • Minimum job tenure (varies by bank).
  • Property appraisal arranged by the bank.

Exact requirements vary by bank. Confirm them before starting the process.

Frequently asked questions

What is a UVA mortgage?

A loan denominated in Unidades de Valor Adquisitivo (UVA), which adjust with inflation (CER). The rate is fixed in UVA terms and the peso installment adjusts monthly.

How much do I need to earn?

As a rule, the payment cannot exceed 25% of your net income. The calculator shows the minimum income needed for the initial payment.

What happens if inflation rises?

The peso installment rises with the UVA. The risk appears if your salary does not keep up with inflation, so it is wise to leave a margin below the 25% cap.

Which bank has the best rate?

Banco Nación usually has the lowest TNA (6% for a sole residence) and holds over 40% of the market. System rates range from 6% to 15% depending on the bank and profile.

How much can I finance?

Most banks finance up to 75% of the value (some up to 80% for a permanent residence). The rest is your down payment.

Is this a pre-approval?

No. It is an estimate based on public rules. Final approval depends on each bank, your income ratio and the property appraisal.

More tools in Argentina

Mortgage comparison

Compare UVA mortgage rates across Argentine banks, with official BCRA data.

How much income do I need for a mortgage?

Find out how much property you can buy with your income, down payment and an Argentine UVA mortgage.

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