The entity’s proposal will be intended for the purchase, exchange, construction, renovation and expansion of homes throughout the country as well as for the acquisition of a second home.
“+Hogares con BNA” will be available starting May 20. Interested parties must apply digitally through the bank’s website.
The novelty is that the financing line has a unique benefit: it will allow the user to pay a premium of 1.5 percentage points, which will give them the possibility of setting the increase in the installment in accordance with the salary variation coefficient (CVS) so that, in that case, the fee does not increase more than the salary.
The entity’s proposal will be intended for the purchase, exchange, construction, renovation and expansion of homes throughout the country as well as for the acquisition of a second home.
Mortgage loans from Banco Nación: rates, terms and requirements to access
- For unique and permanently occupied homes of up to 140,000 UVAs: 4.50% fixed TNA.
- Maximum loanable value: The peso equivalent of 105,000 UVAs, which represents USD 89,000 (in the MEP dollar, quoted as of 5/1/2024) or $93,828,000.
- Terms: 5, 10, 15, 20, 25 or 30 years.
- Users: human persons in labor activity in a dependency relationship, retired and/or pensioners who receive their salaries through the BNA.
- The age limit for the cancellation of loan obligations will be 85 years.
With this new credit line, BNA joins other banks that have already offered mortgage loans adjusted for inflation, such as Hipotecario, Ciudad, ICBC, del Sol and Banco de Córdoba, among others.
The president of the BNA, Daniel Tillard, and the vice president of the entity, Darío Wasserman, presented the new line of mortgage loans “+Hogares con BNA”, for which it will allocate US$4,000 million, plans to grant up to 40,000 loans in three years and will have national reach.
During the launch event, Tillard stated that “we are launching a very ambitious program in favor of families and employment,” while highlighting “we are beginning to enjoy the effects of not having inflation; We have the mandate of the Government and the President of the Nation, Javier Milei, to promote credit because an important part of the economic recovery comes from bank financing.”
“Jurisdictions will be privileged with tax treatment that does not make mortgage loans and instruments more expensive. The BNA will cooperate with all governors to leverage all mortgage credit, not just that promoted by the BNA,” he indicated.
Likewise, he noted that this program has an additional benefit; “Those clients who receive salaries from the BNA can ‘cap’ the fee by applying an adjustment to the loan through the salary variation coefficient for an additional cost of 1.5% per month.”
Tillard also highlighted that “these differences will be carried over to the end of the loan once the program ends, both through a personal loan or by extending the mortgage. Only after 180 days can the use of this option be exercised.”
Source: Ambito
