{"id":22403,"date":"2026-08-26T14:44:05","date_gmt":"2026-08-26T17:44:05","guid":{"rendered":"https:\/\/nuevodigitaldeescobar.com.ar\/?p=22403"},"modified":"2026-08-26T14:44:06","modified_gmt":"2026-08-26T17:44:06","slug":"creditos-hipotecarios-que-significa-la-tasa-uva-75-y-como-funciona-este-nuevo-programa-del-gobierno","status":"publish","type":"post","link":"https:\/\/nuevodigitaldeescobar.com.ar\/?p=22403","title":{"rendered":"Cr\u00e9ditos hipotecarios: qu\u00e9 significa la tasa UVA + 7,5% y c\u00f3mo funciona este nuevo programa del Gobierno"},"content":{"rendered":"\n

El Gobierno nacional anunci\u00f3 un nuevo programa para impulsar los\u00a0cr\u00e9ditos hipotecarios<\/strong>\u00a0con el objetivo de ampliar el acceso al financiamiento para la primera vivienda. La iniciativa, presentada por el\u00a0ministro de Econom\u00eda, Luis Caputo<\/strong>, utilizar\u00e1 recursos del\u00a0Fondo de Garant\u00eda de Sustentabilidad (FGS) de la ANSES<\/strong>\u00a0para que los bancos dispongan de m\u00e1s fondos y puedan otorgar nuevos pr\u00e9stamos.<\/p>\n\n\n\n\n\n\n\n

A diferencia de lo que muchos creen, no se trata de una nueva l\u00ednea de cr\u00e9ditos que las personas puedan solicitar directamente al Estado<\/strong>. El programa est\u00e1 dirigido a las entidades financieras, que recibir\u00e1n financiamiento mediante licitaciones y luego deber\u00e1n destinar esos recursos exclusivamente al otorgamiento de cr\u00e9ditos hipotecarios para la compra, construcci\u00f3n, ampliaci\u00f3n o refacci\u00f3n de la primera vivienda.<\/p>\n\n\n\n

Seg\u00fan supo la Agencia Noticias Argentinas<\/strong>, en base a lo que explic\u00f3 Caputo durante la presentaci\u00f3n, el principal problema que enfrenta hoy el mercado hipotecario es que los bancos reciben dep\u00f3sitos de corto plazo, pero deben otorgar pr\u00e9stamos que se pagan durante muchos a\u00f1os<\/strong>. Con este esquema, el Gobierno busca ofrecerles fondeo de largo plazo para que puedan ampliar la oferta de cr\u00e9ditos sin asumir ese descalce financiero.<\/p>\n\n\n\n

Lo m\u00e1s importante del programa<\/h3>\n\n\n\n
    \n
  • Monto total: $2 billones.<\/li>\n\n\n\n
  • Primera licitaci\u00f3n: $200.000 millones.<\/li>\n\n\n\n
  • Los fondos provendr\u00e1n del FGS de la ANSES.<\/li>\n\n\n\n
  • Destino: compra, construcci\u00f3n, ampliaci\u00f3n o refacci\u00f3n de la primera vivienda.<\/li>\n\n\n\n
  • Beneficiarios finales: personas humanas, a trav\u00e9s de entidades financieras.<\/li>\n\n\n\n
  • Plazo m\u00ednimo de los cr\u00e9ditos: 15 a\u00f1os.<\/li>\n\n\n\n
  • Tasa m\u00e1xima: UVA + 7,5%.<\/li>\n\n\n\n
  • Monto m\u00e1ximo por pr\u00e9stamo: equivalente a 150.000 UVA.<\/li>\n<\/ul>\n\n\n\n

    \u00bfC\u00f3mo funcionar\u00e1 el programa?<\/h3>\n\n\n\n

    El mecanismo consiste en que el Estado colocar\u00e1 dep\u00f3sitos a plazo fijo en pesos ajustados por UVA m\u00e1s una tasa adicional<\/strong>. Esos fondos ser\u00e1n adjudicados a los bancos mediante licitaciones y las entidades tendr\u00e1n la obligaci\u00f3n de utilizarlos para otorgar cr\u00e9ditos hipotecarios destinados a la primera vivienda.<\/p>\n\n\n\n

    Cada licitaci\u00f3n ser\u00e1 por $200.000 millones<\/strong>. Los bancos podr\u00e1n participar en dos tramos: uno con un plazo de un a\u00f1o<\/strong> y una tasa m\u00ednima de UVA m\u00e1s 2,50%<\/strong>, y otro con un plazo de cinco a\u00f1os<\/strong> y una tasa m\u00ednima de UVA m\u00e1s 4,50%<\/strong>. Adem\u00e1s, ninguna entidad podr\u00e1 quedarse con m\u00e1s del 20% del monto de cada licitaci\u00f3n<\/strong>, mientras que los fondos adjudicados deber\u00e1n transformarse en cr\u00e9ditos hipotecarios dentro de los 90 d\u00edas corridos<\/strong> posteriores.<\/p>\n\n\n\n

    \u00bfQu\u00e9 significa la tasa UVA + 7,5%?<\/h3>\n\n\n\n

    Uno de los datos m\u00e1s importantes del programa es que el Gobierno estableci\u00f3 un tope para la tasa de los cr\u00e9ditos hipotecarios<\/strong>. Las entidades financieras que utilicen estos fondos no podr\u00e1n otorgar pr\u00e9stamos con una tasa superior a UVA + 7,50%<\/strong>.<\/p>\n\n\n\n

    Esto significa que el pr\u00e9stamo se ajustar\u00e1 por la evoluci\u00f3n de la Unidad de Valor Adquisitivo (UVA)<\/strong>, que acompa\u00f1a la inflaci\u00f3n, y sobre ese capital actualizado el banco podr\u00e1 cobrar una tasa de inter\u00e9s que no supere el 7,5% anual<\/strong>. Cada entidad podr\u00e1 ofrecer condiciones comerciales diferentes, pero siempre respetando ese l\u00edmite fijado por el programa.<\/p>\n\n\n\n

    Adem\u00e1s, el Ministerio de Econom\u00eda dispuso que los pr\u00e9stamos deber\u00e1n tener un\u00a0plazo m\u00ednimo de 15 a\u00f1os<\/strong>\u00a0y un\u00a0monto m\u00e1ximo equivalente a 150.000 UVA<\/strong>, requisitos que ser\u00e1n obligatorios para todas las entidades que participen de la iniciativa.<\/p>\n\n\n\n

    Un ejemplo para entender cu\u00e1nto podr\u00eda costar un cr\u00e9dito<\/h3>\n\n\n\n

    El documento oficial difundido por el Gobierno incluye una simulaci\u00f3n. Para una propiedad valuada en USD 106.667<\/strong>, el cr\u00e9dito cubrir\u00eda el 75% del valor<\/strong>, equivalente a $120.920.000<\/strong>, con una tasa de UVA + 7%<\/strong> y un plazo de 25 a\u00f1os<\/strong>.<\/p>\n\n\n\n

    En ese caso, la cuota inicial<\/strong> ser\u00eda de $865.098<\/strong>, mientras que el grupo familiar deber\u00eda demostrar un ingreso neto mensual de $3.460.391<\/strong> para mantener una relaci\u00f3n cuota-ingreso del 25%. Se trata de un ejemplo ilustrativo elaborado por el Ministerio de Econom\u00eda para mostrar c\u00f3mo podr\u00eda aplicarse el programa.<\/p>\n\n\n\n

    Con esta iniciativa, el Gobierno busca que el sistema financiero disponga de m\u00e1s recursos de largo plazo para ampliar el mercado hipotecario. El objetivo es que m\u00e1s personas puedan acceder a un cr\u00e9dito para su primera vivienda, mientras los bancos cuentan con un mecanismo de financiamiento que les permita aumentar la oferta de pr\u00e9stamos bajo condiciones previamente establecidas.<\/p>\n\n\n\n

    Agencia NA<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    El Gobierno nacional anunci\u00f3 un nuevo programa para impulsar los\u00a0cr\u00e9ditos hipotecarios\u00a0con el objetivo de ampliar el acceso al financiamiento para la primera vivienda. La iniciativa, […]<\/p>\n","protected":false},"author":1,"featured_media":22405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-22403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"\nCr\u00e9ditos hipotecarios: qu\u00e9 significa la tasa UVA + 7,5% y c\u00f3mo funciona este nuevo programa del Gobierno - Nuevo Digital de Escobar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nuevodigitaldeescobar.com.ar\/?p=22403\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos hipotecarios: qu\u00e9 significa la tasa UVA + 7,5% y c\u00f3mo funciona este nuevo programa del Gobierno\" \/>\n<meta property=\"og:description\" content=\"El Gobierno nacional anunci\u00f3 un nuevo programa para impulsar los\u00a0cr\u00e9ditos hipotecarios\u00a0con el objetivo de ampliar el acceso al financiamiento para la primera vivienda. 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