Circular CONAU 1-1736, RUNOR 1-1972: Information Requirement. UVA Mortgage Loans - Sustainability Guarantee Fund — BCRA — AR

2026 - YEAR OF ARGENTINE GREATNESS
COMMUNICATION “A” 8478 09/08/2026
TO FINANCIAL ENTITIES:
Ref.: Circular CONAU 1-1736, RUNOR 1-1972: Information Requirement. UVA Mortgage Loans - Sustainability Guarantee Fund.
___________________________________________________________________________ We address you to provide the information requirement linked with the provisions disseminated through Communication A 8475. In this regard, financial entities must submit daily the data contained in these instructions. This requirement must be submitted only if there are new developments. Sincerely, CENTRAL BANK OF THE ARGENTINE REPUBLIC
ANNEX: 10 Pages.
Gustavo O. Bricchi Rodrigo J. Danessa Signature 1 Information Management Manager Deputy General Manager of Information Regime and Financial Services User Protection i/c

Description of the requirement.
1.1. Awarded financial entities must report new developments within 48 banking business hours corresponding to the data of each UVA mortgage loan granted with funds from the Sustainability Guarantee Fund (FGS) for the purchase, construction, or improvement of a first home for natural persons; and of each corresponding disbursement. The information will be submitted only when there are new developments, through the daily frequency service enabled for this purpose.
All granted loans must be reported before the expiration of the term established for the application of funds (taking into account the aforementioned 48 hours).
1.2. Identification of the tender.

Tender date.
Sequence code.
Tranche.
1.3. Debtor identification
1.3.1. Type.
Tax Collection and Customs Control Agency
✓ Unique Tax Identification Key (C.U.I.T.)
✓ Unique Labor Identification Code (C.U.I.L.)
✓ Identification Key (C.D.I.)
1.3.2. Number.
The one corresponding to the identification number used.
1.3.3. Denomination.
Full surname and names.
Taking into account the debtor's identification (type and number), this Central Bank will replace, under the exclusive responsibility of the entity, the “Denomination” originally reported, with the one appearing in the “ARCA Register”. When the debtor is not included in said register, information must be provided according to the identification and denomination provided by the Tax Collection and Customs Control Agency.
1.4. Loan identification
The following data will be reported for each loan granted:
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Loan grant date.
Operation number.
Purpose.
Term (expressed in months)
Additional Annual Nominal Rate to UVA.
Amount granted in UVAs
Amount granted in pesos (expressed in thousands of pesos without decimals)
Property Valuation Amount (expressed in thousands of pesos without decimals)
Property Valuation Date.
Postal code of the property's location.
Percentage of the loan over the property value.
Initial Installment / Income Ratio.
Prepayable.
With salary accreditation in the entity.
1.5. Data corresponding to the disbursements of granted loans.
Operation number.
Disbursement number.
Disbursement date.
Amount disbursed in UVAs.
Amount disbursed in pesos (expressed in thousands of pesos without decimals).
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478

General instructions
The information will have a daily frequency and will be recorded according to the record designs inserted in point 6, named HIPO.json and DESEM.json. In relation to the information contained in the aforementioned designs, access to the new REST API service for “FGS Fund Placement” (CFFGS) will be enabled in the BCRA extranet environment. This service will allow validating the submitted information. It is important to note that to access the CFFGS API, the new BCRA Token v2.0 must be consumed. Both the BCRA Token v2.0 service and CFFGS are available in the homologation environment for you to carry out the tests you deem necessary. The technical and functional documentation is available on the BCRA Extranet, published under the option "BCRA APIs Catalog" (BCRA Token v2.0 and CFFGS) at the link detailed below: https://aplicaciones.bcra.sfa/Ayuda.aspx Queries of an exclusively technical nature must be sent with the subject “CFFGS API” to the email address aplicacionescorporativas@bcra.gob.ar. Amounts in pesos will be expressed in thousands without decimals. For rounding purposes, values will be increased by one unit when the first digit of the fractions is equal to or greater than 5, discarding those that are lower.
Specific instructions for the HIPO.json design:
3.1. Field 3 “Tranche” will be completed with the following coding:
1= one (1) year term, at a rate equivalent to UVA plus a minimum spread of 2.50% 2= five (5) year term, at a rate equivalent to UVA plus a minimum spread of 4.50%
3.2. In field 4 “Identification Type”, 11 will be used to report C.U.I.T., C.U.I.L. or C.D.I.
3.3. Field 10 will report the term of the granted loans, which will be expressed in months and cannot be less than 180 months.
3.4. Field 11 will report the annual nominal rate without VAT, additional to UVA with a cap of 7.5%. The maximum value to report is a number with two positions for integers and three positions for decimals. Format “EEDDD” (where E is integer and D is decimal).
3.5. Field 17 will be integrated with the percentage that the mortgage loan represents in relation to the total value of the property. The maximum value to report is a number with two positions for integers and two positions for decimals. Format “EEDD” (where E is integer and D is decimal).
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478

3.6. Field 18 will be integrated with the percentage representing the initial installment-to-income ratio. The maximum value to be reported in this field is a number with two positions for integers and two positions for decimals. Format “EEDD” (where E is significant integer and D is decimal).
4. Specific instructions for the DESEM.json design:
4.1. In field 1, identification type 11 will be used to report C.U.I.T., C.U.I.L. or C.D.I.
4.2. Field 4 will be completed with the disbursement number, which must be correlative for each reported operation.
5. Rectifying information.
Awarded financial entities may submit rectifying information for the requirement without prior authorization, in order to modify or delete any of the daily messages sent, as established in the technical and functional documentation available on the BCRA Extranet, published under the option "BCRA APIs Catalog" (BCRA Token v2.0 and CFFGS) at the link detailed below: https://aplicaciones.bcra.sfa/Ayuda.aspx
6. Record designs.
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478

6.1. UVA MORTGAGE LOANS GRANTED.
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Denomination: HIPO.json
UVA mortgage loans granted - FGS Page 1 of 2
No. Field Name Type Length Observations
1 Tender Date Numeric 8 YYYYMMDD.
2 Sequence Code Numeric 17
3 Tranche Numeric 1 Point 3.1. of this requirement.
4 Identification Type Numeric 2 Points 1.3.1 and 3.2. of this requirement.
5 Identification Number Numeric 11 Points 1.3.2. of this requirement.
6 Denomination Character 55 Points 1.3.3. of this requirement.
7 Loan Grant Date Numeric 8 YYYYMMDD
8 Operation Number Character 30
9 Purpose Numeric 1 1=Purchase; 2=Construction; 3=Improvement 10 Term Numeric 3 In months. Point 3.3. of this requirement.
11 Additional Annual Nominal Rate to UVA Numeric 5 Point 3.4. of this requirement. EEDDD. (1) 12 Amount granted in UVAs Numeric 8 EEEEEEDD. (2) 13 Amount granted in pesos Numeric 10 In thousands of pesos without decimals. 14 Property Valuation Amount Numeric 10 In thousands of pesos without decimals. 15 Property Valuation Date Numeric 8 YYYYMMDD 16 Postal code of the property's location Numeric 4 17 Percentage of the loan over the property value Numeric 4 Point 3.5. of this requirement. EEDD (3) 18 Initial Installment / Income Ratio Numeric 4 Point 3.6. of this requirement. EEDD (4)

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Denomination: HIPO.json
UVA mortgage loans granted - FGS Page 2 of 2
No. Field Name Type Length Observations
19 Prepayable Numeric 1 0=NO; 1=YES
20 With salary accreditation in the entity Numeric 1 0=NO; 1=YES 21 Rectifying Character 1 Enter “R” for rectifying, otherwise enter “N”. (1) In % Additional Annual Nominal Rate to UVA without VAT. Consider the first 2 positions for integers and the last 3 for decimals. (2) Amount granted in UVAs. Consider the first 6 positions for integers and the last 2 for decimals. (3) Percentage of the loan over the property value. Consider the first 2 positions for integers and the last 2 for decimals. (4) Initial Installment / Income Ratio. Consider the first 2 positions for integers and the last 2 for decimals.

6.2. DISBURSEMENTS
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Denomination: DESEM.json
UVA mortgage loans disbursed – FGS Page 1 of 1 No. Field Name Type Length Observations 1 Identification Type Numeric 2 Points 1.3.1. and 4.1. of this requirement 2 Identification Number Numeric 11 Points 1.3.2. of this requirement. 3 Operation Number Character 30 4 Disbursement Number Numeric 2 Point 4.2. of this requirement. 5 Disbursement Date Numeric 8 YYYYMMDD 6 Amount Disbursed in UVAs Numeric 8 EEEEEEDD (1) 7 Amount Disbursed in pesos Numeric 10 In thousands of pesos without decimals. 8 Rectifying Character 1 Enter R for rectifying, otherwise enter N. (1) Amount Disbursed in UVAs. Consider the first 6 positions for integers and the last 2 for decimals.

Validation error table.
B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Code Legend Cause
01 FORMAT ERROR - A non-numeric character was entered in a numeric field. - An invalid date value was entered in a date type field applicable to: Design Field HIPO.json 1, 7 and 15 DESEM.json 5 - The following fields were entered with zeros: Design Field HIPO.json 2, 8, 10, 11, 12, 13, 14, 17 and 18 DESEM.json 3, 4, 6 and 7 - An unsupported value was entered as indicated in the record design: Design Field HIPO.json 3, 4, 9, 16, 19, 20 and 21 DESEM.json 1 and 8 02 DUPLICATE NEW DEVELOPMENT For the HIPO.json design: there is more than one record with the same combination of fields 4, 5 and 8. For the DESEM.json design: there is more than one record with the same combination of fields 1, 2, 3 and 4. 03 INCORRECTLY REPORTED IDENTIFICATION NUMBER The identification number reported is equal to zero or contains one or more non-numeric characters for identification type 11. 04 IDENTIFICATION NUMBER DOES NOT CORRESPOND TO CUIT/CUIL/CDI The first two digits of the reported identification number do not correspond to any of the prefixes used by ARCA for natural persons or the same number was repeated from the third to the tenth digit for identification type 11. 05 INCORRECTLY REPORTED VERIFICATION DIGIT The verification digit reported does not correspond to C.U.I.T., C.U.I.L. or C.D.I.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Code Legend Cause
06 INCONSISTENT OPERATION A combination of field 1 “Identification type”, field 2 “Identification number” and field 3 “Operation number” has been reported in the DESEM.json design that was not previously reported in the HIPO.json design. 07 INCONSISTENCY IN REPORTED MORTGAGE LOAN In the HIPO.json design, the combination of field 1 “Tender date”, field 2 “Sequence code” and field 3 “Tranche” is not consistent for the entity with the information reported by the Operations Desk. 08 INCORRECTLY REPORTED DISBURSEMENT NUMBER For each combination of field 1 “Identification type”, field 2 “Identification number” and field 3 “Operation number” reported in the DESEM.json design, the disbursement number reported in field 4 is not correlative. 09 INCORRECTLY REPORTED LOAN GRANT DATE A date later than the reporting date was reported in field 7 of the HIPO.json design. 10 INCORRECTLY REPORTED TERM A term less than 180 was reported in field 10 of the HIPO.json design. 11 INCONSISTENCY BETWEEN AMOUNT GRANTED IN PESOS AND PROPERTY VALUATION AMOUNT In the HIPO.json design, the amount reported in field 13 is greater than the amount reported in field 14. 12 INCORRECTLY REPORTED VALUATION DATE In field 15 of the HIPO.json design, a date later than the one reported in field 7 was reported. 13 INCORRECTLY REPORTED ADDITIONAL ANNUAL NOMINAL RATE TO UVA In field 11 of the HIPO.json design, a value greater than 07500 was reported. 14 INCONSISTENCY BETWEEN AMOUNT GRANTED IN PESOS AND AMOUNT AWARDED TO THE ENTITY IN THE AUCTION The value reported in field 13 of the HIPO.json design is greater than the amount awarded to the entity in the auction (combination of fields 1, 2 and 3). 15 INCORRECTLY REPORTED AMOUNT GRANTED IN UVAs The amount reported in field 12 of the HIPO.json design is greater than 150000 UVAs.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND
Annex to Comm. “A” 8478
Code Legend Cause
16 INCORRECTLY REPORTED DISBURSEMENT DATE The date reported in field 5 of the DESEM.json design is earlier than the one reported in field 7 of the HIPO.json design. 17 INCONSISTENCY BETWEEN AMOUNT DISBURSED IN UVAs AND AMOUNT GRANTED IN UVAs An amount greater than the amount reported in field 12 of the HIPO.json design was reported in field 6 of the DESEM.json design. 18 INCONSISTENCY BETWEEN AMOUNT DISBURSED IN PESOS AND AMOUNT GRANTED IN PESOS An amount greater than the amount reported in field 7 of the DESEM.json design was reported in field 13 of the HIPO.json design.