The latest budget law confirms the possibility of benefiting from a maximum guarantee of 80% of the guarantee fund for some categories until the end of 2027.Buying your first home. This also applies when the original mortgage comes due. Surrogateprovided conditions are better than initial conditions and the fund is not adversely affected.
Financed with measure. 130 million euros For 2025 e 540 million euros Overall for the next two years.
Requirements for first home mortgage benefits
The guarantee issued by the fund is 50% of the capital quota, but it was decided to tactically increase this increase. So it will continue till 2027.80% For priority categories:
- ISEE no more than 40 thousand euros per year;
- mortgage for an amount not exceeding 80% of the value of the property – including ancillary charges – and in no case exceeding 250 thousand euros;
- No other registered house
The fund can only be accessed for:
- purchase of property;
- procurement with renovation interventions to increase energy efficiency;
- Purchase (from manufacturer) with assumption of subdivision.
What are the preferred categories for mortgages?
gave Priority categories I am:
- Young couples who are married or have been living together for at least 2 years;
- Single parents with minor children living together;
- Owners of Iacp housing (public housing);
- Young people below 36 years of age.
What is meant by large families?
Large families are also among the priority categories by 2027, namely:
- With 3 children under 21 years of age and an ISEE of up to 40 thousand euros.
- With 4 children under 21 years of age and an ISEE of up to 45 thousand euros.
- With 5 children under 21 years of age and an ISEE of up to 50 thousand Euros.
If these families apply for a mortgage for their first home. Financing limit 80%, they can still access the fund for maximum guarantee measures of 80%, 85% and 90% respectively.
The 2025 budget law provides that entities that provide financing must be set aside. Risk coefficient A minimum equivalent to 8.5%, 9% or 10%, depending on the type of beneficiary family. Provisions serve to protect institutions against the risk of non-payment.
What houses can you buy?
The property purchased with the First Home Fund guarantee must be used as a primary residence, must not have luxury features and must not belong to the following cadastral categories:
- A1 – Magnificent House;
- A8 – will do;
- A9 – Castles and Palaces.
Moreover, the loan cannot be applied for only for renovations.
How to apply for assistance from the Fund
gave Application To access the mortgage fund under the age of 36, single parents, large families and young couples must come directly to Consap from a bank or financial intermediary participating in the initiative after an assessment of the institution, which loans Undertakes not to seek additional collateral from Borrowers. .
After Filling the appropriate formConsap has 20 days to inform the bank of the results of the guarantee investigation and the bank has 90 days to communicate with Consap about the failure to fulfill or disburse the loan.
