{"id":25085,"date":"2026-09-04T17:44:44","date_gmt":"2026-09-04T20:44:44","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=25085"},"modified":"2026-09-04T17:44:44","modified_gmt":"2026-09-04T20:44:44","slug":"nuevos-creditos-hipotecarios-el-gobierno-licitara-fondos-desde-el-lunes-para-ampliar-la-oferta-de-los-bancos","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=25085","title":{"rendered":"Nuevos cr\u00e9ditos hipotecarios: el Gobierno licitar\u00e1 fondos desde el lunes para ampliar la oferta de los bancos"},"content":{"rendered":"<div class=\"visual__image image-initial-width\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=992&amp;height=556&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=768&amp;height=430&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=577&amp;height=323&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=420&amp;height=235&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=350&amp;height=196&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"(Imagen Ilustrativa Infobae)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"816\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/5T52LPID6NBI7KJ4LYAVFJRDFE.jpg?auth=f15242b5532f988e866d1ce20e02f6777a07bc088661fb68772f4bc26523690c&amp;smart=true&amp;width=350&amp;height=196&amp;quality=85\" width=\"1456\"><\/picture><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">04 Sep, 2026 04:18 p. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 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11.8465 11.8055 11.0041 12.787 11.0041C12.8426 11.0041 12.8982 11.0041 12.9537 11.0041C13.9445 10.9363 14.7963 11.7206 14.8611 12.7567C14.8611 12.7954 14.8611 12.8438 14.8611 12.8825C14.8426 13.9283 14.0278 14.761 13.0278 14.7416C12.9907 14.7416 12.9537 14.7416 12.9259 14.7416H12.9074C11.9259 14.8191 11.0741 14.0445 11 13.0181C11 12.9697 11 12.931 11 12.8825H11.0093Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Twitter\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M11.0391 11L17.2165 19.8249L11 27H12.399L17.8415 20.7182L22.2389 27H27L20.475 17.6786L26.2613 11H24.8623L19.85 16.7855L15.8001 11H11.0391ZM13.0965 12.101H15.2838L24.9423 25.8987H22.7551L13.0965 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18.9315H20.2236V27H17.3629L17.3544 26.9921Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Whatsapp\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M21.2863 19.9439C21.0997 19.8551 20.9664 19.9262 20.8419 20.0861C20.6731 20.3261 20.4687 20.5483 20.2909 20.7794C20.1665 20.9393 20.0243 20.9749 19.8376 20.8949C18.6645 20.4239 17.7757 19.6506 17.1269 18.5841C17.0292 18.4242 17.038 18.2997 17.1536 18.1575C17.3225 17.9531 17.4824 17.7576 17.6157 17.5354C17.678 17.4287 17.7135 17.2599 17.678 17.1532C17.4735 16.6111 17.2425 16.0867 17.0114 15.5535C16.9669 15.4557 16.8781 15.3313 16.7892 15.3224C16.4248 15.2602 16.0426 15.1891 15.7316 15.4912C15.1094 16.0778 14.8784 16.7977 15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">El gobierno de <b>Javier Milei<\/b> comenzar\u00e1 a licitar los <b>plazos fijos UVA del Fondo de Garant\u00eda de Sustentabilidad (FGS)<\/b> de la Administraci\u00f3n Nacional de la Seguridad Social (Anses)<b> <\/b>para que los bancos se fondeen y otorguen <a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/26\/plan-de-creditos-hipotecarios-como-es-el-programa-que-anuncio-el-gobierno-y-quienes-pueden-acceder\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/26\/plan-de-creditos-hipotecarios-como-es-el-programa-que-anuncio-el-gobierno-y-quienes-pueden-acceder\/\"><b>nuevos cr\u00e9ditos hipotecarios<\/b><\/a> a partir del <b>pr\u00f3ximo lunes 7 de septiembre<\/b>, seg\u00fan pudo saber <b>Infobae<\/b> de fuentes oficiales.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">En un principio, la primera colocaci\u00f3n de los recursos del FGS estaba pautada para esta semana. Sin embargo, por motivos operativos termin\u00f3 traslad\u00e1ndose al 7 de septiembre. Se espera que en las pr\u00f3ximas horas el Banco Central de la Rep\u00fablica Argentina (BCRA) comunique los detalles de la licitaci\u00f3n. <\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">La <b>subasta ser\u00e1 por $200.000 millones<\/b> y buscar\u00e1 que las entidades financieras ampl\u00eden la oferta de cr\u00e9ditos hipotecarios. Los bancos dispondr\u00e1n de 90 d\u00edas corridos para colocar ese dinero en pr\u00e9stamos, con una tasa m\u00e1xima de UVA m\u00e1s 7,5% anual.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">La iniciativa, que anunci\u00f3 el ministro de Econom\u00eda, <b>Luis Caputo<\/b>, prev\u00e9 convocatorias sucesivas por el mismo importe hasta completar un total de 2 billones de pesos. El <b>FGS invertir\u00e1 los fondos en plazos fijos UVA <\/b>de largo t\u00e9rmino constituidos en los bancos que resulten seleccionados. A cambio, esas entidades deber\u00e1n destinar el financiamiento a la compra, construcci\u00f3n, ampliaci\u00f3n o refacci\u00f3n de una primera vivienda.<\/p>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=992&amp;height=541&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=768&amp;height=419&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=577&amp;height=315&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=420&amp;height=229&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Imagen partida muestra sucursal de Anses con personas en fila, y en primer plano un contrato de pr\u00e9stamo hipotecario, llave, llavero de casa, bol\u00edgrafo y calculadora.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"768\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/MEMNTDQBARHGDPFDLGBUINGY5E.png?auth=8c41f2fe3f2af0c70625f8ae8ec95f12ee11ca7fca4c3ba6c009b19c031f26af&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" width=\"1408\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"5\">Ning\u00fan participante podr\u00e1 quedarse con m\u00e1s del 20% de cada licitaci\u00f3n. En esta primera instancia, eso implica que una entidad podr\u00e1 solicitar como m\u00e1ximo $40.000 millones de los $200.000 millones disponibles. Despu\u00e9s de constituir el dep\u00f3sito, tendr\u00e1 plazo hasta el 1\u00b0 de diciembre para transformar esos recursos en nuevos pr\u00e9stamos hipotecarios.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"6\">El esquema ofrecer\u00e1 dos plazos de dep\u00f3sito ajustados por UVA y una tasa adicional. El primer tramo ser\u00e1 a un a\u00f1o, con un rendimiento m\u00ednimo de UVA m\u00e1s 2,50 por ciento. El segundo tendr\u00e1 una duraci\u00f3n de cinco a\u00f1os y una tasa m\u00ednima de UVA m\u00e1s 4,50 por ciento.<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"7\">Los cr\u00e9ditos financiados con esta l\u00ednea tendr\u00e1n condiciones predefinidas: la tasa no podr\u00e1 exceder UVA m\u00e1s 7,50% anual, el plazo deber\u00e1 ser de al menos 15 a\u00f1os y el monto m\u00e1ximo ser\u00e1 de 150.000 UVA, equivalente a poco m\u00e1s de USD 200.000. Los pr\u00e9stamos solo podr\u00e1n aplicarse a operaciones vinculadas con una primera vivienda.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"la-letra-chica\">La letra chica<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"8\">La Comunicaci\u00f3n \u201cA\u201d 8475 del Banco Central de la Rep\u00fablica Argentina (BCRA) determin\u00f3 que el organismo monetario actuar\u00e1 como colaborador t\u00e9cnico y operativo de la Anses, que administra el FGS. Los fondos adjudicados deber\u00e1n dirigirse en forma exclusiva a cr\u00e9ditos para la compra, construcci\u00f3n o mejora de primera vivienda de personas humanas.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"9\">La licitaci\u00f3n se instrumentar\u00e1 a trav\u00e9s del sistema SIOPEL de A3 Mercados, en la rueda LIC2. El mecanismo ser\u00e1 de precio m\u00faltiple: las entidades financieras presentar\u00e1n sus posturas con una tasa de inter\u00e9s y las ofertas se ordenar\u00e1n de mayor a menor tasa nominal anual.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"10\">Si hubiera m\u00e1s de un tramo, el BCRA distribuir\u00e1 el monto de la licitaci\u00f3n seg\u00fan la participaci\u00f3n de las ofertas recibidas en cada uno. Luego, dentro de cada segmento, aceptar\u00e1 las propuestas en orden descendente de tasa. Si varias entidades ofertan la tasa de corte y los montos superan el cupo disponible, la asignaci\u00f3n ser\u00e1 proporcional entre los adjudicatarios.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"11\">El programa contempla dos alternativas. El primer tramo ser\u00e1 a un a\u00f1o, a una tasa de <b>UVA m\u00e1s un spread m\u00ednimo de 2,50 por ciento<\/b>. El segundo ser\u00e1 a cinco a\u00f1os, con <b>UVA m\u00e1s un spread m\u00ednimo de 4,50 por ciento<\/b>.<\/p>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=992&amp;height=684&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=768&amp;height=529&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=577&amp;height=398&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=420&amp;height=290&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=350&amp;height=241&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"El Banco Central actuar\u00e1 como colaborador t\u00e9cnico y operativo de la Anses. (Foto: Reuters)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"3659\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/Q5E4M47WBZDQPGGX7PJUVTSY6U.JPG?auth=1da36438be133c810d079d3f7c1e84be33ab696b99a446678e7bd54a19e09409&amp;smart=true&amp;width=350&amp;height=241&amp;quality=85\" width=\"5308\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"12\">Cada propuesta deber\u00e1 ser de al menos 1.000 millones de pesos. A la vez, ning\u00fan banco podr\u00e1 ofertar, en conjunto, m\u00e1s del 20% del monto que se licite.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"13\">La norma impone l\u00edmites sobre los cr\u00e9ditos que cada banco podr\u00e1 otorgar con el financiamiento adjudicado. La tasa no podr\u00e1 superar <b>UVA m\u00e1s 7,50% de tasa nominal anual<\/b>, cada pr\u00e9stamo tendr\u00e1 un m\u00e1ximo de 150.000 UVA y el plazo no podr\u00e1 ser inferior a 15 a\u00f1os.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"14\">Adem\u00e1s, el monto asignado a cada entidad estar\u00e1 sujeto a tres restricciones: no podr\u00e1 superar el equivalente al 2% de su Responsabilidad Patrimonial Computable; tampoco podr\u00e1 exceder el 20% de su cartera vigente de cr\u00e9ditos hipotecarios al momento de la licitaci\u00f3n; y deber\u00e1 respetar la l\u00ednea m\u00e1xima de cr\u00e9dito que le haya asignado el FGS.<\/p>\n<div class=\"ad_5 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_5\" data-ad-slot=\"infobae\/economia\/nota\/ad_5\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_5\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_5\" class=\"infobae\/economia\/nota\/ad_5 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_5\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"a-quienes-apunta-el-esquema\">A qui\u00e9nes apunta el esquema<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"15\">El programa est\u00e1 dise\u00f1ado para financiar cr\u00e9ditos hipotecarios de familias con capacidad de afrontar cuotas cercanas a $865.000 mensuales. Durante la presentaci\u00f3n oficial del plan,<b> Caputo<\/b>, se\u00f1al\u00f3 que el pr\u00e9stamo promedio ronda los $114 millones y estim\u00f3 que, con un fondeo total de <b>$2 billones<\/b>, la iniciativa podr\u00eda alcanzar a entre 17.000 y 18.000 hogares.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"16\">Para ejemplificar el perfil de los potenciales beneficiarios, el funcionario tom\u00f3 como referencia una vivienda valuada en USD 106.000. Bajo el supuesto de que los bancos financian hasta el 75% del precio, el cr\u00e9dito ser\u00eda de unos USD 80.000, equivalentes a alrededor de 114 millones de pesos.<\/p>\n<div class=\"ad_6 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_6\" data-ad-slot=\"infobae\/economia\/nota\/ad_6\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_6\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_6\" class=\"infobae\/economia\/nota\/ad_6 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_6\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"17\">El titular del Palacio de Hacienda explic\u00f3 que, <b>con una tasa de UVA m\u00e1s 7% y un plazo de 25 a\u00f1os, la cuota inicial ascender\u00eda a 865.000 pesos<\/b>. Si ese pago representara el 25% de los ingresos netos del hogar, la familia deber\u00eda percibir $3.460.000 mensuales.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"18\">Con un<b> ingreso neto promedio de $1.800.000 por persona<\/b>, el esquema apunta, seg\u00fan la estimaci\u00f3n expuesta por el ministro, a parejas j\u00f3venes que puedan reunir dos salarios para acceder al financiamiento destinado a primera vivienda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>04 Sep, 2026 04:18 p. m. EST Guardar El gobierno de Javier Milei comenzar\u00e1 a licitar los plazos fijos UVA del Fondo de Garant\u00eda de Sustentabilidad (FGS) de la Administraci\u00f3n Nacional de la Seguridad Social (Anses) para que los bancos se fondeen y otorguen nuevos cr\u00e9ditos hipotecarios a partir del pr\u00f3ximo lunes 7 de septiembre, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-25085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/25085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25085"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/25085\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/25086"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}