In Argentina, the requirements for obtaining mortgage loans have become increasingly stringent, with potential borrowers needing to demonstrate sufficient income to support monthly payments. The return of UVA mortgage loans in 2024 has sparked significant interest, but many Argentines are left wondering how much they need to earn to qualify for such financing. The tightening availability of loans reflects a growing challenge in the housing market amidst economic conditions.

The rising value of the dollar has greatly affected the local housing market, making properties more expensive when measured in Argentine pesos. For example, what was once equivalent to US$83,300 in June 2025 has now dropped to about US$70,422 due to the fluctuating dollar exchange rate. This depreciation impacts not only potential buyers but also lenders who are now facing increased risks tied to spending power and investment in real estate.

Moreover, the spike in bank interest rates has compounded the difficulties for those looking to secure a home loan. As rates increase, the affordability of mortgage payments diminishes, leading to further barriers for first-time buyers. Recognizing these factors is critical for understanding the current landscape of mortgage lending in Argentina, as it shapes the decisions of both prospective homeowners and financial institutions alike.