¿Conviene comprar una propiedad en Argentina 2025?

El nuevo ciclo inmobiliario ya comenzó. El que espera… pierde.

💡 Con un dólar que dejó de ser amenaza, créditos que renacen, el mercado achicándose semana tras semana y nuevos compradores activos, 2025 puede ser el año donde una buena decisión marque la diferencia para toda la vida. Esta nota no es solo informativa: es una llave para anticiparse.

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🔄 Un mercado que se transforma… y no espera

Durante años, el mercado inmobiliario se mantuvo expectante. Hoy, ya no. Las cifras lo confirman: en CABA, el stock de propiedades cayó un 25% desde inicios de 2024 hasta el presente. ¿Qué ocurrió?

Muchas unidades regresaron al alquiler, gracias a un nuevo marco legal que trajo previsibilidad.
Otras fueron vendidas: el número de operaciones crece mes a mes.
Y lo más relevante: se activó una demanda silenciosa pero constante, sostenida por compradores con liquidez, crédito aprobado y decisión firme.

A diferencia de años anteriores, hoy hay más confianza, más movimiento… y menos tiempo para dudar.

🌱 El efecto del blanqueo y la vuelta del crédito

El blanqueo de capitales 2024 dejó su huella: miles de compradores hoy tienen efectivo declarado y buscan oportunidades. A esto se suma el retorno del crédito hipotecario, que después de casi cinco años vuelve a estar al alcance de muchas familias.

El nuevo escenario es distinto:

Precios en dólares aún accesibles, pero en recuperación.
Créditos con tasas razonables y condiciones más flexibles.
Nuevos jugadores: personas que nunca habían invertido en ladrillo y hoy ven al real estate como refugio y estrategia.

Ese movimiento no solo genera más operaciones. Está reconfigurando el mapa inmobiliario.

Por Diego Migliorisi

Ver también:

La salida del cepo cambiario 2025: un nuevo impulso para el real estate argentino

Impresionante: Mercado inmobiliario precios 2025 Argentina

Gastos para comprar una casa 2025 Argentina

Valor del Metro Cuadrado por Barrio 2025

Mercado inmobiliario Argentino 2025: ¿El año de la consolidación definitiva?

Is it worth buying a property in Argentina in 2025?

The new real estate cycle has already begun. Those who wait… lose.

💡 With a stable dollar, the return of mortgage loans, a shrinking property supply, and new buyers entering the market, 2025 could be the year in which a smart decision defines your future. This article isn’t just informative—it’s a roadmap to take action.

🔄 A market in transformation… and it won’t wait

For years, the Argentine real estate market remained frozen. Not anymore. The data speaks for itself: in Buenos Aires City, the property supply dropped by 25% from early 2024 to mid-2025. Why?

Many units returned to the rental market, thanks to a new legal framework that offers predictability.
Others were sold as the number of monthly operations steadily increased.
And most importantly: a silent but steady wave of buyers entered the scene—people with liquidity, approved credit, and clear intentions.

Unlike previous years, there’s now greater confidence, more movement… and less time to hesitate.

🌱 The effect of the capital amnesty and the return of credit

The 2024 capital amnesty left a strong impact: thousands of buyers now have declared cash and are actively seeking opportunities. Added to that is the return of mortgage loans, back in play after almost five years of absence.

This new scenario is defined by:

Dollar-denominated property prices still accessible, yet steadily recovering.
Loans with reasonable rates and more flexible conditions.
A changing buyer profile: people who never invested in real estate are now doing so as a safe, strategic move.

It’s not just about more transactions—it’s a whole new market structure.

👥 New buyers, new dynamics

The profile of the 2025 buyer is more diverse:

Young people accessing their first home via mortgage credit.
Families purchasing a second property as a long-term asset.
Traditional investors, who once focused on other sectors and are now turning back to real estate.
Argentine expats and international buyers, seeing undervalued square meter prices.

More buyers = less supply = a clear upward trend in prices.

💵 Got U.S. dollars? This is the turning point

Holding onto your dollars, waiting for “better opportunities,” feels safe—but it’s no longer a winning strategy.
Opportunities are already happening, and the market is absorbing them.

Inventory is shrinking. Well-priced properties are selling fast. Prices, though still accessible, aren’t dropping anymore.
Those who act now will likely pay less than those who buy in six months.

🏦 Mortgage credit: a powerful tool is back

Yes, this is an excellent time to take out a loan. Both banks and private lenders are offering real options again—and conditions are, in many cases, better than in previous years.

With inflation decreasing, the dollar steady, and greater macroeconomic order, credit is no longer a dream: it’s a solid tool to access homeownership or make a smart long-term investment.

📄 What properties qualify for a mortgage?

The general rule: any property that can be legally deeded and registered may be eligible for a mortgage loan.
However, banks apply strict filters:

Properties with non-declared extensions are often rejected.
Homes in poor physical condition may also be denied.
Units used for non-residential purposes often fall under different conditions.

Private mortgage lenders are also gaining traction, offering faster, more flexible alternatives for buyers who want to avoid long banking timelines.

❗ Common seller objections

Some property owners still hesitate to accept mortgage-backed deals. The most frequent concerns include:

The waiting period: typically 60–90 days.
The place of signing: the deed must be signed at the lending bank, not a notary chosen by the seller.
The “subject to loan approval” clause: if the loan is not approved, the deal is canceled with no compensation.

Professional guidance is essential to manage expectations and ensure safe, balanced transactions.

✅Those who decide today, win tomorrow

The market is tightening, prices are rebounding, and credit is back. Everything is happening simultaneously.
And in this context, waiting might cost more than deciding.

Those who have liquidity or access to credit still have time to buy well.
But with each passing month, good opportunities are becoming harder to find.

The best decision doesn’t come from waiting for the “perfect” moment.
It comes from acting in time, with clarity, professional advice, and a long-term view.

2025年在阿根廷买房划算吗？

房地产新周期已经启动。犹豫的人…注定错失良机。

💡 汇率趋稳、房贷重启、房源紧缩、买家回归——2025年或许将成为决定你未来走向的一年。这篇文章不仅是资讯，更是你的行动指南。

🔄 市场正在转型……而不会等待

多年停滞之后，阿根廷房地产市场终于开始运转。数据显示：截至2025年年中，布宜诺斯艾利斯的房产挂牌数量下降了25%。为什么？

许多房源重新投向出租市场，得益于一个更合理、可预期的新租赁法律框架；
另一部分房产已成功售出，每月成交量持续上升；
更重要的是：一批沉默但坚定的买家群体正在进入市场，他们手握现金、贷款批准已下、决策果断。

不同于前几年，如今市场信心正在恢复，交易活跃……留给犹豫者的时间已经不多。

🌱 2024资产申报带来的连锁效应 + 房贷回归

**2024年的资产申报（blanqueo）**释放了大量现金：数以千计的买家现在手中持有合法资金，正寻找可投方向。与此同时，停滞多年的房贷市场也回归正轨，为买房提供了新的动力。

我们面临一个全新局面：

以美元计价的房价仍具吸引力，但回升趋势已经开始；
贷款利率合理，申请条件比过去更宽松；
买家群体更多样：包括以往不涉足房地产的人，也将其视为理财避险工具。

这不仅是交易量增加，更是市场结构的重组。

👥 新买家涌现，打破旧格局

2025年的买家画像更加丰富多元：

年轻人通过贷款购买第一套住房；
家庭购入第二套房产作为资本避风港；
传统投资人回归房地产领域；
旅外阿根廷人或国际买家，看到本地房价仍被低估。

买家增多 = 供应减少 = 房价上行趋势愈加明显。

💵 手握美元？现在是转折点

将美元闲置，等待“更好时机”，看似保守但却可能是误判。
机会已经出现，市场正在快速吸收优质资源。

库存减少、优质房源成交频繁、价格停止下跌——
现在出手的人，将比半年后出手的人少花一笔可观费用。

🏦 房贷工具重返主场

是的，现在是申请房贷的好时机。
无论是银行还是私人贷款机构，都重新提供切实可行的融资方式，而且当前条件比以往某些阶段更有利。

通胀趋缓、汇率稳定、宏观环境改善，使贷款不再是幻想，而是通向住房或投资目标的现实路径。

📄 什么样的房产符合贷款条件？

原则上：只要房产可依法过户登记，就有资格申请房贷。
但银行审批严格，需注意：

有未报建或违规加建的房屋，很可能被拒绝；
房屋结构破损严重、需大量翻修的，也可能不合格；
非住宅用途的房产，如商用或办公空间，需申请不同类型贷款，条件更苛刻。

另外，私人贷款市场正在壮大，放款快、手续少，为买家提供另一种灵活选择。

❗ 卖家的常见疑虑

有些业主仍对房贷交易持保留态度。
常见原因如下：

等待时间较长，通常需60到90天完成流程；
签署地点必须在贷款银行，而非业主选择的公证处；
交易受限于贷款审批成功，若贷款未获批，交易作废且无赔偿。

因此，专业房地产顾问的介入至关重要，能够帮助买卖双方正确预期、避免纠纷、实现交易。

✅ 结语：现在决定，未来受益

房源减少，价格反弹，贷款回归，一切都在同步发生。
在这种背景下，观望往往比果断更昂贵。

谁手上有现金或贷款资格，现在依然有机会买到划算好房。
但每过一个月，机会就更少，价格更高。

最好的决定，不是等到“完美时机”，
而是在恰当时机做出明智决策——
有计划、有支持、有眼光。

作者：Diego Migliorisi
房地产与市场趋势研究专家

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