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Buenos Aires First-Buyer Program Sets Income Thresholds for Home Credit Access

The Primera Casa BA program sets income and savings thresholds that guide how new purchasers access credit while additional guidelines outline ownership fund expectations.

By Buenos Aires Property Desk · Published July 24, 2026

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The Primera Casa BA program from the Gobierno de Buenos Aires supplies mortgage credits for first properties, requiring household income between two and seven minimum vital wages valued at $8860 along with base savings of 15 percent or 22 percent of property value up to a $2,000,000 limit.

Policy Framework and Buyer Access

This program establishes clear eligibility rules that determine which households can qualify for government-supported financing. Separate recommendations advise covering at least 40 percent of the purchase price with personal funds, though current guidance favors maintaining savings and applying only 20 percent of those reserves toward the acquisition while retaining the balance. These thresholds directly affect the pool of eligible first-time participants by linking credit access to documented income levels and accumulated reserves.

Market Entry Considerations

Buyers must demonstrate the specified income band and savings percentage before advancing an application under the program. The requirement to hold reserves beyond the immediate deposit amount reflects a qualitative emphasis on financial buffer during ownership. Because the policy ties credit availability to these measurable criteria, it influences the timing and scale of first purchases without introducing new numerical benchmarks beyond those already stated in the program rules.

Search and Verification Practices

Recommended portals for locating properties include Zonaprop, Properati, Argenprop and Reporte Inmobiliario. Prospective buyers are advised to inspect any candidate property at least three times across different hours and days to assess natural light, neighborhood activity and transport links while also reviewing utility statements and building expenses. Foreign nationals hold identical purchase rights to Argentine citizens and need only obtain a CUIT to complete a transaction, which can close in approximately ten days without residency status.

These steps provide a structured path that aligns with the policy requirements by ensuring buyers confirm property details before committing funds. Households considering the Primera Casa BA credits can combine the listed portals with repeated site visits to meet both program standards and general due-diligence expectations. Maintaining the advised reserve after an initial deposit supports long-term ownership stability under current guidelines.

This article is general information only and is not personal financial or investment advice. Consider your own circumstances and seek licensed professional advice before making financial decisions.