Buenos Aires – Argentina‘s state-owned Banco Nación (BNA) is expanding homeownership opportunities with the launch of a new mortgage program tailored for the country’s significant population of autonomous workers. The initiative, announced January 26, addresses a long-standing challenge for monotributistas who frequently enough face hurdles in securing traditional home loans. With financing available for up to 75% of a property’s value and terms extending to 30 years, the BNA aims to bolster the recovering real estate market and reduce the country’s housing deficit.
Argentina’s Banco Nación (BNA) is now offering mortgages to independent workers, a move expected to broaden access to homeownership for a significant segment of the population. The financing covers up to 75% of a property’s value with terms extending to 30 years.
January 26, 2026 – 08:00hs
Argentina’s state-owned Banco Nación (BNA) has launched a new mortgage program specifically designed for self-employed workers, addressing a long-standing barrier to homeownership for this sector. The initiative comes as the country’s real estate market shows early signs of recovery. The BNA’s new mortgage line aims to simplify the application process and offer competitive rates to individuals who don’t receive a traditional salary.
The program represents a shift in the bank’s credit evaluation process, streamlining procedures for those in the simplified tax regime. The BNA is now prioritizing a borrower’s tax compliance history and track record over traditional employment stability. This move is intended to reduce the housing deficit within a segment of the population previously reliant on the rental market.
The entire application process is digital, accessible through the “+Hogares con BNA” platform. Applicants can simulate loan options and upload required documentation online, significantly reducing processing times.
Mortgage Credit: Requirements and Conditions for Independent Workers
To qualify for these mortgages, self-employed individuals must meet specific criteria designed to ensure loan sustainability. Applicants must have been registered with the AFIP (now ARCA) simplified tax regime for a minimum of two years.
Documentation requirements include submission of the last six monthly monotributo payments and proof of registration. Applicants must demonstrate a monthly income equivalent to or exceeding four times the Minimum, Vital and Mobile Wage. The BNA allows applicants to combine income with a spouse or cohabiting partner, and even include family members as co-borrowers, increasing the likelihood of approval.
Loan Amounts, Rates, and Terms: How to Apply Today
Loans are denominated in pesos but are adjusted by the UVA (Unidad de Valor Adquisitivo), which typically results in a lower initial monthly payment compared to traditional fixed-rate mortgages. The maximum repayment term is 30 years, currently the longest available in the market. Interest rates are tiered: existing BNA customers, or those who transfer their banking services to the bank, qualify for a rate of 6% TNA fixed, while non-customers face a rate of 12% annually.
The maximum loan amount depends on the intended use of funds. For the purchase of a primary residence, the bank will finance up to 75% of the appraised value, with a current cap of approximately 260,000 UVAs ($1,738.97 per unit). To begin the application process, interested parties should visit the Banco Nación website, navigate to the “+Hogares” section, and complete the pre-qualification form. Applicants typically receive a preliminary approval decision within 72 hours, allowing them to begin their home search with a clear understanding of their financing options.
