It is no longer a requirement that it is not the first writing and what they ask now

While having a first property is a requirement for mortgage loans, there are options for those who already have a deed

04/11/2025 – 09: 30hs

He UVA Mortgage Credit It is one of the alternatives for those who want to have their first Property for the permanent room and avoid the expensive rentals. This used to be an essential requirement to be able request this type of financing.

However, now it is possible to acquire a second property When complying with some requirements, which may vary according to the bank that is operated. This means that while the property has all the papers in order, it can be first writing.

What requirements I must meet to ask for a mortgage loan and it is not my first writing

At the time of get a mortgage loanthe requirements may vary slightly according to the entity that is operated. If you opt for Santander Bankthe following requirements must be met:

• Have a minimum labor of a minimum of 1 year, either in one or more companies
• Prove your salary at the bank for at least 1 month
• Have a net income of at least $ 850,000
• Have 50% of the capital, being a second property
• The quota/income ratio of the credit applicants cannot exceed 30%. In the event that an individual requests it, it affects their income, while in the case of shared income it affects the total of said sum

It should be clarified that it is not necessary to have chosen the propertysince you can first ask for pre -oppOBLATION, to know what is the loan amount with which you are going to count. On the other hand, it is important that the housing you want to buy comply with all the habitability conditions.

It also has to be written. In case of being located in closed neighborhoods, country or field clubs, the property must comply with what the requests for the New Civil and Commercial Code.

In the case of Mortgage bankfor a acquisition loanthe detailed requirements are as follows:

• Do not register unfavorable background at the Mortgage Bank or in the financial system
• The minimum age to access credit is 18 years and the maximum 65 years of the granting
• The maximum age to cancel the credit is 75 years
• The minimum income is 1 minimum, vital and mobile salary and income from the spouse or cohabitant can be added
• Minimum labor age is 1 year, both in dependency relationship and for those who carry out independent activities

In this case, the bank finances up to 80% of the work in the case of construction and acquisitionwhile for termination it is 50%. In all cases, it does not apply distinctions to the first or second home.

In the case of Macro Bankthe following requirements are established:

• Labor relationship: customers and non -customers in dependency, monotributist and autonomous. 12 months old in the company/activity. For clients Plan salary they must have a month of accreditation in Banco Macro
• Age: 18 to 65 years
• Income: Income can be added with your spouse or concubine

As for the financingfor properties with values ​​up to $ 350,000 (writing value), finances at most 70%, if it is the first home or up to 60% in the case of the second.

For estate With values ​​greater than $ 350,000,000 (writing value) they finance up to 60% regardless of whether it is first or second home. Regarding the relationship between fee and income, it should not exceed 25%, except for Select clients have the Salary planin which it rises to 30%.

In this way, it can be concluded that, on average, banks finance between 50% and 80% of the second homeso it is no longer an exclusive requirement that the property is the first of the family that requests financing. However, the new limit is that it is the second writing, so people who have two real estate cannot be financed through this instrument.