What are divisible credits, how to take advantage of them to buy from well and what is it?
A divisible mortgage makes it possible
How is it used in developments from Pozo?
You finance the project from an early stages as if it were a home.
You can access without waiting for subdivision, ticket or writing.
The bank evaluates project and risks, not just your profile
According to D’Onofrio “it is a historical opportunity: many developers offer mixed payment advance-chédito-pozo + bank. The investor sells from the beginning, and you access a traditional loan,” he explains.
Advantages:
- Reduced input to the beginning
- Possibility of paying with long -term credit
- You are in a better position in front of other buyers
Recommendations:
- Check the solidity of the developer
- Verify final deadlines and costs
- Analyze applied rate and mortgage adjustment
Regarding Maximiliano mortgage loans it details everything you have to know before buying your first property
What options are there today?
Traditional loans in pesos: banks such as Santander, Macro, Supervielle, BBVA and Nation offer fixed rate lines between 8.5 % and 12 % for deadlines of 15 to 30 years, financing between 70 % and 90 % of the property value
UVA credits: adjustable for inflation, with still low rates (~ 4.5 % tna with salary account), ideal if income will grow faster than inflation
D’Onofrio gives us a key advice: “We analyze with pleasure each case. While rates may seem high, the important thing is that the quota does not exceed 25 % of the income and the property has revaluation potential,” he explains.
What should be taken into account:
- Initial capital (advance) minimum of 20–30 %
- Balance quota-rating, not exceed 25 %
- Evaluate fixed vs grapes according to income projection
- Additional costs: insurance, writing, taxes, etc.
“It’s not just about how much you can pay today, but about holding the fee in the future. We analyze different scenarios together,” says D’Onofrio. If you want to take advantage of any of these modalities, the D’Onofrio team accompanies you step by step with a complete analysis of the project.
Contact: 11-6613-8241
Instagram: Maximilianodonofrio.remax
Mail: [email protected]
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