En un contexto económico incierto, obtener un crédito hipotecario en Argentina puede ser tanto una oportunidad como un riesgo. Este video analiza las variables clave que deben considerarse antes de tomar esta decisión financiera, como la tasa de interés, el plazo y la relación cuota-ingreso. Además, se discuten las experiencias de quienes ya han enfrentado los desafíos de mantener estos créditos en un entorno inflacionario. Con 24 bancos ofreciendo tasas competitivas, es crucial estar bien preparado para navegar este complejo mercado y evaluar si es el momento adecuado para invertir en propiedad.
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00:00If you have any doubts about whether you should get a mortgage credit or not,
00:04because we already told you that many people applied, there were many folders,
00:09but only a few mortgages were approved in a first stage.
00:14Sabri, come and tell us what's going on now.
00:16Exactly, we came to talk first about what you have to analyze if you want to get a mortgage credit today,
00:21and we brought four variables that are fundamental.
00:23The interest rate, which is the CFT, which will have the rate, the commissions, the insurance,
00:27but you also have to add the expenses, because then you have writing expenses,
00:30sealing expenses, ex-migrant fees.
00:32Which is a lot of money.
00:33Exactly.
00:34Terms up to 20 years, the amount they are financing, between 70 and 80 percent,
00:38and the income rate ratio, 25-30 percent.
00:41Example, I want to buy an apartment for $85,000, I have to save at least $20,000,
00:46and the amount will be approximately 590,000 pesos, which is almost the same as a rent.
00:50That's it, that's it.
00:52Today, the amount is almost the same as a rent.
00:55If you bank, you live in a monoculture, if you don't have a family, right?
00:58Because there are also cases in which you can't.
01:00Obviously, just like that.
01:01The only thing you have to keep in mind is that it is a credit that is tied to UVA,
01:04so yes or no, and if you are willing to tolerate the risk that implies that the rate can go up,
01:08that's how it is.
01:09Today is a good time, but we already know that we live in Argentina.
01:12We live in Argentina.
01:13If the rate is very comfortable for you, like, it represents a minimum amount of your income,
01:17well, you can face that it increases.
01:18There are many cases of people who took it out 5 years ago and were able to sustain the rate,
01:21but that's the challenge.
01:22Here's the summary.
01:24If I have job stability, okay, I'm in good condition.
01:26More than 24 months is considered job stability.
01:29Yes.
01:29And if I have a commitment to keep the property in the long term, right?
01:32I know I'm going to stay in the monoculture, as you said, 5 years, 10 years.
01:35Of course, it's not to say in a year what I do, I want to move,
01:38because there you have a problem, because in theory you can't rent it up, right?
01:41Some people do it, but in theory you can't.
01:44Has anyone had experience with mortgage credit?
01:46Sabri, I now have a UVA mortgage credit,
01:49and the truth is that the swing of 25% mass inflation,
01:53the 20% that we also continue to pay in mass, killed me.
01:57I mean, the increase in the quota was terrible.
01:59And sometimes you make the decision with another inflation, which was mine in 2017,
02:04and you find yourself with this.
02:05Is there a way to predict a little what's going to happen in Argentina?
02:08Unfortunately, the only way is that you contemplate that you can generate additional income
02:13if the amount goes up, that you can mentally prepare yourself for that.
02:17Or join income with your partner, say, well, if the quota is doubled, what do we do?
02:21I always say, in finance, the best decision is to consider the worst scenario.
02:24And before the worst scenario, how can you cover yourself to make that decision?
02:26In other words, have a margin of error.
02:28To say, well, if this runs, I can bank it.
02:31Because no one can control the economy 100% and say,
02:34well, in 10 years it will remain the same, and a mortgage credit is 20 years old.
02:37What can happen? I don't know.
02:38Let's see, Ceci, you have another one.
02:39Yes, I wanted to ask you a question, Sabri.
02:41What happens if you already have a house and you want to buy another with a mortgage credit?
02:46Does it suit you or does it not suit you?
02:48It suits you in the sense that you will be able to buy another house
02:51without having to pay off all the capital that would be required in that way
02:54and you will be capitalizing in the long term.
02:56Remember that mortgage credit is a good debt
02:58because I am buying a good that in the future will be revalued.
03:00And on top of that, if I can rent my other house and I am going to live in that one,
03:04I will be receiving an income and with that income I pay the credit.
03:06That would be the ideal world, what we all dream of doing.
03:09In the fantasy world, that would be good.
03:12But hey, maybe you can tell your children or if you are between 20 and 30,
03:16buy the smallest apartment, it does not matter if it is used or destroyed,
03:19it does not matter, take advantage of the good conditions,
03:21that it is comfortable to pay for it and then little by little you will make the leap.
03:23And then you grow.
03:25Well, let's continue with the yes or no.
03:27Tolerance to risk was one.
03:29Yes, of course.
03:30I think we Argentines have that tolerance.
03:32If you live in Argentina, you have risk tolerance.
03:34It can't be that you don't.
03:35What to analyze?
03:37And also what we said, important, the areas.
03:40Sometimes you have to resign yourself to the plan of your own house.
03:42Well, maybe in the neighborhood you like it, you can't buy it,
03:44but maybe you can look for other areas.
03:46For example, today, micro-centers are becoming much more accessible,
03:49the used ones versus what they had before.
03:50Well, because micro-centers are also a housing plan,
03:53they are trying to make the entire micro-center area,
03:55which the truth is, after the pandemic, it was empty,
04:00become residential.
04:01So you not only have the possibility of credit,
04:04but also credit to renovate.
04:06Because surely what you buy is going to be an ex-office,
04:09with a kitchen like this, with a bathroom that is not useful for you,
04:12many times not even a full bathroom,
04:14then you can refurbish it at a very good rate.
04:16As is, I have seen people who are buying apartments in that area
04:20at $40,000, $50,000.
04:21And if you are lucky, you find one with a dome of that kind.
04:24Divine, old.
04:25No, well, wait, whoever walks through a micro-center knows
04:27that all the architectural is divine.
04:30Yes, as is.
04:31And the last debate is also to think
04:34if the house is really a good business or not.
04:36Because sometimes it also happens to us that maybe not,
04:39because it is not convenient and it is convenient to use that money
04:41to invest it in something else.
04:42Well, one more thing we do here, because obviously ...
04:46This of the folders that bounced you
04:49at the beginning of the mortgage credit,
04:50is now flowing a little better?
04:52The key is that you prepare yourself with the previous requirements
04:54and that you have everything ready.
04:55It is being said that the folders are advancing much more.
04:57Why? Because now banks want to start obtaining these credits
05:00so that the economy begins to move
05:02and they are competing with each other.
05:03There are 24 banks that offer credits
05:04that range from 4.5 to 8%.
05:07So you say, if I don't approve the folder here,
05:09I go to the other and you have 23 banks to go and look for.
05:11On the way, ma'am, on the way.