How are mortgage payments calculated in Argentina?

Repayments use the standard amortising annuity formula: M = P × r / (1 − (1 + r)^−n), where P is the loan, r is the monthly rate and n the number of months. For a UVA loan the rate entered is the real rate, and the peso balance is then restated by the inflation-linked UVA index.

What is a UVA mortgage in Argentina?

A UVA loan is indexed to the Unidad de Valor Adquisitivo, which tracks inflation. The outstanding balance and instalment are restated by the UVA index each period, so payments in pesos rise with inflation while the real burden stays roughly constant. The quoted rate is a real rate, often around 8%.

How much deposit do I need for an Argentine mortgage?

Lenders typically cap the loan at 75-80% of the property value, so a deposit of 20-25% is usually required. A larger deposit lowers your loan-to-value ratio and can improve the rate offered.

How do lenders check affordability in Argentina?

Banks generally require the mortgage instalment to be no more than around 25-30% of gross monthly income. This calculator shows the income you would need at the cap you choose, so you can check whether a given loan is realistic.

Does this calculator store my data?

No. All calculations run locally in your browser and nothing is uploaded, so your figures stay private.

Argentina Mortgage Calculator

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This Argentina mortgage calculator models a home loan the way Argentine lenders structure them — whether a UVA inflation-indexed loan quoted at a real rate (commonly around 8%) or a fixed-peso product such as Banco Nación’s offering. It applies the standard amortising annuity formula, flags your loan-to-value ratio, and shows the income a lender would expect you to earn.

How it works

The monthly repayment uses the amortising annuity formula:

M = P × r / (1 − (1 + r)^−n)

where P is the loan amount, r is the monthly rate (annual ÷ 12) and n is the number of months. The calculator also derives:

Loan-to-value (LTV): loan ÷ price. Most lenders cap this at 75-80%.
Income needed: the gross monthly income at which the instalment equals your chosen affordability cap (default 25%).
Total interest: monthly × months − loan.

For a UVA loan, the figure shown is the real instalment in today’s pesos; the actual peso amount you pay rises with the UVA index as inflation accrues.

Example

A property at ARS 80,000,000 with a ARS 24,000,000 deposit (30%) leaves a ARS 56,000,000 loan at a 70% LTV. At an 8% real rate over 20 years, the calculator returns the monthly instalment, the income needed to keep it within 25% of earnings, and the total interest paid.

Notes

UVA loans index the balance to inflation, so the real instalment shown here stays stable while peso payments climb with the index — budget for that. Origination fees, notary costs, mortgage insurance and the property transfer taxes are not included. This is an estimate, not a loan offer.