Information Requirement: UVA Mortgage Loans - Sustainability Guarantee Fund

"2026 - YEAR OF ARGENTINE GREATNESS"
COMMUNICATION "A" 8494 10/22/2026
TO FINANCIAL INSTITUTIONS:
Ref.: Circular
CONAU 1-1744,
RUNOR 1-1979:
Information requirement. UVA mortgage loans - Sustainability Guarantee Fund.

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We address you to send you the modifications to the information requirement linked to the provisions disseminated through Communication A 8478. It should be clarified that the sequence code to be reported corresponds to the number of up to five digits assigned in the respective auction. Likewise, it will be admitted to report the complete seventeen-position code; however, for validation purposes, only the integer number corresponding to its last five digits will be considered. We greet you attentively. CENTRAL BANK OF THE ARGENTINE REPUBLIC
ANNEX: 10 Sheets.
Gustavo O. Bricchi Rodrigo J. Danessa Signature 1 Manager of Information Management Deputy General Manager of Information Regime and Protection of Financial Services Users a/c

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

1. Description of the requirement.

1.1. The awarded financial institutions must report the changes produced within 48 banking business hours corresponding to the data of each UVA mortgage loan granted with funds from the Sustainability Guarantee Fund (FGS) for purchase, construction or improvement for natural persons, under the conditions established in each auction, and of each of the disbursements. The information will be submitted only when there are changes, through the daily frequency service enabled for that purpose.

All granted loans must be reported before the expiration of the term established for the application of the funds (taking into account the 48 hours mentioned above).

1.2. Identification of the auction.

• Auction date.

• Sequence code.

• Tranche.

1.3. Identification of the debtor

1.3.1. Type.

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.

Surname and names in full.

Taking into account the identification of the debtor (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 Registry". When the debtor is not included in said registry, it must be reported according to the identification and denomination provided by the Collection and Customs Control Agency.

1.4. Identification of the loan

The following data will be reported for each granted loan:

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

• Date of granting of the credit.

• Operation number.

• Destination.

• Term (expressed in months)

• Nominal Annual Rate additional to UVA.

• Amount granted in UVAs.

• Amount granted in $ (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 location.

• Percentage of the credit over the property value.

• Initial Installment / Income Ratio.

• Prepayable.

• With salary accreditation at the entity.

1.5. Data corresponding to the disbursements of the granted loans.

• Operation number.

• Disbursement number.

• Disbursement date.

• Amount disbursed in UVAs.

• Amount disbursed in $ (expressed in thousands of pesos without decimals).

B.C.R.A.	INFORMATION REQUIREMENT. UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE FUND	Annex to Comm. "A" 8494

2. General instructions

The information will have daily frequency and will be recorded according to the record designs inserted in point 5. named HIPOFGS and DESEMFGS.

In relation to the information contained in the aforementioned designs, access to the new API REST service for "FGS Fund Placement" (CFFGS) will be enabled in the BCRA extranet environment. Said service will allow validating the submitted information.

The technical and functional documentation is available on the BCRA Extranet, published under the option "BCRA APIs Catalog" (Token BCRA v2.0 and CFFGS) at the link detailed below: https://aplicaciones.bcra.sfa/Ayuda.aspx

Queries exclusively of a technical nature must be sent with the subject "CFFGS API" to the mailbox 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.

Amounts in UVAs will be reported in UVAs with two decimals.

3. Particular instructions for the HIPOFGS design:

3.1. Field 3 "Tranche" will be completed with the following coding:

1 = term of one (1) year, at a rate equivalent to UVA plus a minimum spread of 2.50%

2 = term of five (5) years, 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. In field 10 the term of the granted loans will be reported, which will be expressed in months and cannot be less than 180.

3.4. Fields 11, 12, 17 and 18 will admit integers or decimals, the decimal part being optional. If decimals are reported, the symbol "." must be used as separator of the integer part from the decimal (where E represents an integer position and D a decimal position after the "."). Thousands separators or leading zeros must not be included.

3.4.1. In field 11 the nominal annual rate without VAT, additional to UVAs with a cap of 7.5%, will be reported, admitting one position for the integer part and up to three for the decimal. Format "E.DDD". (Valid examples 5, 5.1, 5.12, 5.123).

3.4.2. In field 12 the amount granted in UVAs will be reported, admitting up to six positions for the integer part and up to two for the decimal. Format "EEEEEE.DD".

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

3.4.3. In field 17 the percentage that the mortgage loan represents with respect to the total value of the property will be reported, admitting up to two positions for both the integer and the decimal part. Format "EE.DD". (Valid examples 70, 70.1, 70.12).

3.4.4. In field 18 the percentage that the initial installment-income ratio represents will be reported, admitting up to two positions for both the integer and the decimal part. Format "EE.DD" (Valid examples 20, 20.1, 20.12).

4. Particular instructions for the DESEMFGS design:

4.1. In field 1 the 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.

4.3. In field 6 integers or decimals will be admitted, the decimal part being optional. If decimals are reported, the symbol "." must be used as separator of the integer part from the decimal (where E represents an integer position and D a decimal position after the "."). Thousands separators or leading zeros must not be included. The amount disbursed in UVAs will be reported, admitting up to six positions for the integer part and up to two for the decimal. Format "EEEEEE.DD".

5. Record designs.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

5.1. UVA MORTGAGE LOANS GRANTED.

Denomination: HIPOFGS UVA mortgage loans granted - FGS		Sheet 1 of 2
Field No.	Name	Observations
1	Auction date	AAAAMMDD.
2	Sequence code
3	Tranche	Point 3.1. of this requirement.
4	Identification Type	Points 1.3.1. and 3.2. of this requirement.
5	Identification Number	Points 1.3.2. of this requirement.
6	Denomination	Points 1.3.3. of this requirement.
7	Date of granting of the credit	AAAAMMDD
8	Operation Number
9	Destination	1=Purchase; 2=Construction; 3=Improvement
10	Term	In months. Point 3.3. of this requirement.
11	Nominal Annual Rate additional to UVA	Point 3.4.1. of this requirement. E.DDD. (1)
12	Amount granted in UVAs	Point 3.4.2. of this requirement. EEEEEE.DD. (2)
13	Amount granted in $	In thousands of pesos without decimals.
14	Property Valuation Amount	In thousands of pesos without decimals.
15	Property Valuation Date	AAAAMMDD
16	Postal code of the property location
17	Percentage of the credit over the property value	Point 3.4.3. of this requirement. EE.DD (3)
18	Initial Installment / Income Ratio	Point 3.4.4. of this requirement. EE.DD (4)

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

Denomination: HIPOFGS UVA mortgage loans granted - FGS	Sheet 2 of 2
Field No.	Name	Observations
19	Prepayable	0=NO; 1=YES
20	With salary accreditation at the entity	0=NO; 1=YES
21	Rectifying	Enter R in case of rectifying, otherwise enter N.

[1] In % Nominal Annual Rate additional to UVA without VAT. Consider the first position for the integer and the last 3 for the decimals separated by a period.

[2] Amount granted in UVAs. Consider the first 6 positions for integers and the last 2 for the decimals separated by a period.

[3] Percentage of the credit over the property value. Consider the first 2 positions for integers and the last 2 for the decimals separated by a period.

[4] Initial Installment / Income Ratio. Consider the first 2 positions for integers and the last 2 for the decimals separated by a period.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

5.2. DISBURSEMENTS.

Denomination: DESEMFGS UVA mortgage loans disbursed – FGS	Sheet 1 of 1
Field No.	Name	Observations
1	Identification Type	Points 1.3.1. and 4.1. of this requirement
2	Identification Number	Points 1.3.2. of this requirement.
3	Operation Number
4	Disbursement Number	Point 4.2. of this requirement.
5	Disbursement Date	AAAAMMDD
6	Amount Disbursed in UVAs	Point 4.3. of this requirement. EEEEEE.DD (1)
7	Amount Disbursed in $	In thousands of pesos without decimals.
8	Rectifying	Enter R in case of rectifying, otherwise enter N.

[1] Amount Disbursed in UVAs. Consider the first 6 positions for integers and the last 2 for the decimals separated by a period.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

6. Validation error table.

Code	Legend	Cause
01	FORMAT ERROR	- A non-numeric character was integrated into a numeric field. - An invalid date value applicable to: Design | Field HIPOFGS | 1, 7 and 15 DESEMFGS | 5 was integrated into a date-type field - The following fields were integrated with zeros: Design | Field HIPOFGS | 2, 8, 10, 11, 12, 13, 14, 17 and 18 DESEMFGS | 3, 4, 6 and 7 - A value not admitted as indicated in the record design was integrated: Design | Field HIPOFGS | 3, 4, 9, 16, 19, 20 and 21 DESEMFGS | 1 and 8
02	DUPLICATE CHANGE	For the HIPOFGS design: there is more than one record with the same combination of fields 4, 5 and 8. For the DESEMFGS design: there is more than one record with the same combination of fields 1, 2, 3 and 4.
03	IDENTIFICATION NUMBER POORLY REPORTED	The reported identification number 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 the ARCA for natural persons or the same number from the third to the tenth digit was repeated for identification type 11.
05	CHECK DIGIT POORLY REPORTED	The reported check digit 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"
8494

Code	Legend	Cause
06	INCONSISTENT OPERATION	A combination of field 1 "Identification type", field 2 "Identification number" and field 3 "Operation number" not previously reported in the HIPOFGS design has been reported in the DESEMFGS design.
07	INCONSISTENCY IN REPORTED MORTGAGE LOAN	In the HIPOFGS design the combination of field 1 "Auction date", field 2 "Sequence code" and field 3 "Tranche" is not consistent for the entity with the information reported by the Operations Desk.
08	DISBURSEMENT NUMBER POORLY REPORTED	For each combination of field 1 "Identification type", field 2 "Identification number" and field 3 "Operation number" reported in the DESEMFGS design, the disbursement number reported in field 4 is not correlative.
09	DATE OF GRANTING OF THE CREDIT POORLY REPORTED	A date later than the information date was reported in field 7 of the HIPOFGS design.
10	TERM POORLY REPORTED	A term less than 180 was reported in field 10 of the HIPOFGS design.
11	INCONSISTENCY BETWEEN AMOUNT GRANTED IN PESOS AND PROPERTY VALUATION AMOUNT	In the HIPOFGS design the amount reported in field 13 is greater than the one reported in field 14.
12	VALUATION DATE POORLY REPORTED	In field 15 of the HIPOFGS design a date later than the one reported in field 7 was reported.
13	NOMINAL ANNUAL RATE ADDITIONAL TO UVA POORLY REPORTED	In field 11 of the HIPOFGS design a value greater than 7.5 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 HIPOFGS design is greater than the amount awarded to the entity in the auction (combination of fields 1, 2 and 3).
15	AMOUNT GRANTED IN UVAs POORLY REPORTED	The amount reported in field 12 of the HIPOFGS design is greater than 150000 UVAs.

B.C.R.A.
INFORMATION REQUIREMENT.
UVA MORTGAGE LOANS - SUSTAINABILITY GUARANTEE
FUND
Annex to
Comm. "A"
8494

Code	Legend	Cause
16	DISBURSEMENT DATE POORLY REPORTED	The date reported in field 5 of the DESEMFGS design is earlier than the one reported in field 7 of the HIPOFGS design.
17	INCONSISTENCY BETWEEN AMOUNT DISBURSED IN UVAs AND AMOUNT GRANTED IN UVAs	An amount greater than the one reported in field 12 of the HIPOFGS design was reported in field 6 of the DESEMFGS design.
18	INCONSISTENCY BETWEEN AMOUNT DISBURSED IN PESOS AND AMOUNT GRANTED IN PESOS	An amount greater than the one reported in field 13 of the HIPOFGS design for the first disbursement was reported in field 7 of the DESEMFGS design.