Overview
- Mortgage disbursements fell to about US$180 million in November, down 51% from October and the lowest monthly total of 2025, according to sector data reported by La Nación.
- Recent pricing shifts reshaped competitiveness: Banco Nación lifted its line to roughly 6% but still leads on cost, Brubank raised to 12%, Banco Credicoop moved to about 12.5%, and ICBC and BBVA trimmed selected payroll rates.
- The first monthly payment for equivalent UVA loans now varies by more than ARS 1,000,000 between banks, making the choice of lender decisive for access, multiple comparisons show.
- Access has tightened as banks raise approval bars, with reported credit‑scoring thresholds above 900 and higher income requirements concentrating approvals among formal, higher‑earning households.
- Some lenders pared back supply or modified terms, including reports of Banco Ciudad discontinuing its line, while experts urge borrowers to compare final TNA/CFT, loan‑to‑income rules, prepayment conditions and the UVA’s 45‑day adjustment lag.