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Argentina – Property Financing

Mortgages for Foreign Nationals in Argentina

Foreign nationals who wish to buy property in Argentina may wonder if they can secure mortgages from local banks or other lenders. Argentina does offer mortgage options for foreign buyers, but the availability and terms can vary based on individual circumstances and the policies of financial institutions.

In Argentina, local banks and lenders do provide mortgages to foreign nationals, although the eligibility criteria and conditions may differ from those for Argentine residents. It’s important for foreign buyers to explore the options available and understand the requirements before pursuing a mortgage for property purchase.

Local Lenders Providing Mortgages

Several local banks and financial institutions in Argentina offer mortgage services to both residents and foreign nationals. While the availability of mortgage products for foreigners may vary, some of the prominent local lenders include:

  • BBVA Argentina: BBVA Argentina is a well-known bank that provides mortgage financing solutions for property buyers in Argentina.
  • Banco Galicia: Banco Galicia offers mortgage options to eligible borrowers, including foreign nationals interested in buying property in Argentina.
  • Santander Argentina: Santander Argentina provides mortgage services and may have offerings suitable for foreign buyers.

Foreign nationals interested in obtaining a mortgage in Argentina should reach out to these banks directly or visit their websites for detailed information on mortgage products, eligibility requirements, and the application process.

Required Deposit When Buying Property

The deposit required when purchasing property in Argentina can vary based on several factors, including the property’s purchase price, the location, and the terms negotiated between the buyer and seller. In Argentina, it is customary for buyers to provide a deposit known as “seña” when making an offer on a property.

The “seña” typically ranges from 5% to 10% of the property’s purchase price and serves as a reservation fee. Once the offer is accepted, the buyer is expected to make a larger down payment, which often falls within the range of 30% to 50% of the property’s value. The remaining balance is typically financed through a mortgage or other agreed-upon terms.


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It’s important for property buyers in Argentina to understand that the deposit requirements can vary, and they should consult with their real estate agents and legal advisors to ensure they meet the specific terms of the property purchase agreement.

Responsibility for Outstanding Debts

When purchasing property in Argentina, new property owners should be cautious and conduct thorough due diligence to ensure that there are no outstanding debts or encumbrances associated with the property. While it is customary for sellers to clear any debts before the property transaction is finalized, it is essential for buyers to verify this and protect their interests.

One common practice in Argentina is the issuance of a certificate called a “Certificado de Dominio” (Certificate of Ownership), which provides information about the property’s title, any liens or encumbrances, and any outstanding debts. Buyers should request and review this certificate before completing the purchase.

Additionally, incorporating protective clauses in the sales contract can help safeguard the buyer’s interests and specify the responsibilities of both parties regarding outstanding debts or financial obligations related to the property.

In conclusion, foreign nationals can obtain mortgages in Argentina, although the terms and eligibility criteria may vary. Several local lenders, including BBVA Argentina, Banco Galicia, and Santander Argentina, offer mortgage services. The deposit required when buying property in Argentina can range from a reservation fee known as “seña” (typically 5% to 10% of the purchase price) to a larger down payment (30% to 50%) upon offer acceptance. Property buyers should conduct due diligence to ensure there are no outstanding debts or encumbrances on the property, and they should request a “Certificado de Dominio” to verify the property’s status. Working with qualified professionals, such as real estate agents and attorneys, is advisable to navigate the property acquisition process successfully.


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