Overview
- Fresh simulations show a 225 million peso loan for a 300 million peso home needs about 7.75 million pesos in net monthly income with the wage cap add‑on, or 6.45 million pesos without it.
- Banco Nación’s mortgages are tied to UVA, an index that moves with inflation, and buyers can pay extra for a CVS option that caps monthly payment hikes to the wage index.
- The bank finances up to 75% of the property price and uses a roughly 25% payment‑to‑income rule, lets up to two applicants add two co‑signers, requires job tenure by work type, and ends loans by age 85.
- Rate bands matter: loans up to 210,000 UVAs carry a 6% nominal rate and reach about 393 million pesos, while higher bands can exceed 654.7 million pesos at a 12% rate.
- Regional analysis in Mendoza finds roughly four in ten public workers could meet the income screen on paper, yet real take‑home limits and excluded bonuses cut that share, and courts are reviewing at least three complaints over possible preferential loans to officials.