Mortgage credits: How much you need to earn to buy an apartment in July 2026

Argentina's mortgage credit lines, known as UVA (Unidad de Valor Adquisitivo), have returned to the market in 2024. However, a significant hurdle remains for those aspiring to own a home: demonstrating sufficient income to cover the monthly installments.

While some financial institutions do not specify a minimum income, others do. A crucial rule is that the initial loan payment cannot exceed a quarter of the applicant's or applicants' combined income. This means that even if a bank sets a minimum income requirement, securing a loan is contingent on meeting this essential affordability ratio.

The current economic climate, marked by currency fluctuations and financial instability, creates a challenging environment. Banks are responding by raising requirements and interest rates, while families struggle to prove incomes that are substantially higher than the average Argentine salary. The paradox is stark: mortgage credits are available again, but they remain out of reach for the majority of the population.