The elimination of exchange rate in Argentina represents a fundamental step towards the opening and transparency of the financial market. This measure simplifies operations and provides predictability, key elements to boost foreign investment in both real estate and other sectors. The greatest clarity in the rules of the game will facilitate that investments can be channeled more effectively, generating a positive effect on availability and access to mortgage credit.
One of the most relevant aspects of this opening is the possibility of reactivating the UVA credit market. Felicibilization in access to the free market will allow operations with credits adjusted by salaries and inflation to be more ease. Although it is still early to evaluate the complete impact, the expectation is that, when adjusted by macroeconomic variables, these quotas can be maintained sustainable, even in the subsequent scenarios of the dollar that can influence the prices of the properties. The key will be to closely follow market behavior and the evolution of the exchange rate.
On the other hand, the rise of rates that banks implemented in recent months generated some deceleration in traditional consultations and operations. However, in Lendar we observe that customers continue to look for agile, transparent and predictable conditions to fulfill their dream of having their own home. Our proposal to offer mortgage loans of up to 35% of the property value, with fixed installments in dollars and rates from 9.5% TNA, without intermediaries or additional expenses, proved to be an attractive option in a constantly changing market.
2025 current data reflect sustained growth in consultations and applications, with an interannual increase of 65%. This shows that, despite economic fluctuations, there is a solid demand and a real need for financial solutions that simplify access to housing.
Market opening and new credit conditions offer a unique opportunity to transform real estate landscape in Argentina, promoting greater inclusion and facilitating that more people can realize their dream of being owners.
For all this, the elimination of stocks and reforms in credit rates and conditions mark a promising path towards a more dynamic, transparent and accessible mortgage market for all.
* Agustín Celia is director and co -founder of Lendar
By Agustín Celia
