What are the options for mortgage loans ?
The Province of Neuquén heads the list of mortgage loans, in proportion of inhabitants. This is reflected in a report by Banco Hipotecario , where it announced that Neuquén is the province with the most loans per inhabitant, ranking fifth in relation to the other provinces of the country. In addition to the Banco Hipotecario, at present, there are other banks and credit options.
If you are planning to acquire a loan for the purchase, construction or remodeling of your home, then we tell you what the loans adjusted by UVA consist of, what banks offer them, what news is and what the mortgage loan program is.
Un 2016, the mortgage loans adjusted by UVAs.
The UVA is the Purchasing Value Unit that is updated by the price index (CER) and inflation.
This type of credit may be used for the acquisition, change, construction, renovation or completion of a home.
For the first three options, the maximum amount is $ 2,984,000 and is limited to the value of the purchase, appraisal or value of the finished home, not to exceed $ 3,730,000.
The term of the loan is up to 30 years.
For repairs or termination, the amount granted is up to $ 1,500,000 and the appraised value of the home, after the completion of the work, may not exceed $ 7,460,000.
The term is 10 years.
It offers for the acquisition of a home or construction, a maximum amount of $ 5,000,000, to be repaid in 30 years.
Offers up to $ 15,000,000 to buy, with a term of 30 years, or up to $ 2,500,000 for spare parts, to 10 years.
It also has a line of credits for the purchase of land. Offering up to $ 2,500,000 over a period of 5 years.
It offers a maximum amount of $ 5,000,000, but for customers it has no amount limits. The loan is intended for purchase and grants a term of 30 years for its return.
It offers up to $ 15,000,000 to buy, or up to $ 4,000,000 to renovate the house. It grants a maximum term of 20 years.
Offers loans for acquisition, construction or renovation of the house. The maximum amount varies from $ 7,500,000 to $ 15,000,000 depending on the type of PH. The maximum term is 30 years, for purchase and construction and 15 years for renovation.
It offers mortgage loans for the acquisition and renovation of the home, with a maximum of $ 15,000,000 and a term of 30 years.
The new plan combines a mortgage loan, savings of families and a National State bonus.
It is accessed through a social scoring system and the term to pay the credit is up to 30 years.
For the purchase, the families must have a saving of 10% with respect to the value of the property and the State will contribute up to $ 400,000 as a subsidy (non-refundable). The maximum amount is $ 2,000,000.
For construction, families must own land that does not exceed $ 500,000 and the State will contribute up to $ 400,000 as a subsidy. The maximum amount is $ 1,100,000.
There are two more modalities; one to buy the first home in one of the 70 projects throughout the country (in the case of Neuquén, in Zapala), and another, to buy lots in fiscal lands, with all services (in the case of Neuquén, in Centenario ).
For both modalities the raffles have already been made.
Credits – Young Savings
Credits for young people between 18 and 35 years, to acquire a new or used home.
The maximum amount is $ 1,200,000 and the applicant will have to save, in 12 months, minimally 5% of the value of the property, through a fixed term in UVAs.
The State will grant a subsidy, non-reimbursable, which will be twice the accumulated savings, with a cap of 12,000 UVAs.
The term of cancellation of the credit is up to 30 years and the beneficiaries are selected by score.