UVA Mortgage Calculator 🏠

A Next.js web application for calculating UVA (Unidad de Valor Adquisitivo) mortgage loans in Argentina. This calculator helps users estimate monthly payments, required savings, and other financial metrics for home loans using official conditions from various Argentine banks.

🚀 Features

• Calculate mortgage payments in ARS, USD, and UVA
• Pre-configured bank presets with official loan conditions
• Real-time dollar price fetching (MEP rate)

🏦 Contributing Bank Information

Adding New Bank Presets

To add a new bank's mortgage conditions to the calculator, you need to modify the src/data/mortgageData.json file.

JSON Structure

Each bank preset should be an object with the following properties:

{
  "name": "Bank Name",
  "loan_term_years": 20,
  "loan_amount_ars": 300000000,
  "financing_percentage": 75,
  "income_to_loan_ratio": 25,
  "interest_rate_with_salary": 4.5,
  "interest_rate_without_salary": 11.5,
  "minimum_income": 1000000,
  "income_with_spouse": "Cónyuge o conviviente",
  "pre_cancellation": "No aclara",
  "insurance_premium": "1er y 2da Vivienda",
  "for_self_employed": true
}

Field Descriptions

Field	Type	Description	Example
name	string	The official name of the bank, including any specific plan or branch	"Banco Ciudad - Microcentro"
loan_term_years	number	Maximum loan term in years	20
loan_amount_ars	number	Maximum loan amount in Argentine Pesos (ARS), or null if not specified	250000000
financing_percentage	number	Maximum percentage of property value that can be financed	75
income_to_loan_ratio	number	Maximum percentage of income that can be used for loan payments, or null	25
interest_rate_with_salary	number	Annual interest rate (TNA - Tasa Nominal Anual) for salary account holders	4.5
interest_rate_without_salary	number	Annual interest rate for non-salary account holders, or null if not applicable	11.5
minimum_income	number	Minimum required monthly income in ARS, or null if not specified	1000000
income_with_spouse	string	Types of co-applicant income accepted (e.g., spouse, partner, family)	"Cónyuge o conviviente"
pre_cancellation	string	Pre-cancellation fee details, or "No aclara" if not specified	"3 + IVA (solo si cumplió el 25 del plazo o 180 días)"
insurance_premium	string	Types of properties eligible for the loan (e.g., primary/secondary housing)	"1er y 2da Vivienda"
for_self_employed	boolean	Whether the loan is available for self-employed individuals, or null if not specified	true

🔍 Where to Find Bank Information

• Official bank websites (usually in their "Créditos Hipotecarios" or "Préstamos UVA" sections)

⚠️ Important Notes

• Some banks may have different conditions for different customer segments (e.g., "Banco Macro" vs "Banco Macro Selecta")
• Some banks may have special conditions for specific property locations (e.g., "Banco Ciudad - Microcentro")

In those cases just build another entry, with the special case data.

🛠️ Development

# Install dependencies
npm install

# Run development server
npm run dev

# Build for production
npm run build

📄 License

This project is open source and available under the MIT License.

👥 Contributors

Contributions are welcome! Please read the guidelines above before submitting new bank information.