ICO Mortgages

State aid for first-time homebuyers

 Discover the ICO guarantee line that makes it easier for young people and families with dependent minors to buy their first home.
ICO State Guarantee Line You can apply for this guarantee if you are young or have dependent minors and have not yet been able to save enough for the down payment on your first home. Main requirements:
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    Be 35 years old or younger, or have dependent minor children.
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    Have legally resided in Spain for the 2 years prior to applying.
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    Buy a first home in Spain (with exceptions such as partial inheritance, divorce or disability).
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    The property must be your habitual residence for at least 10 years.
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    The purchase price cannot exceed the limit set for each Autonomous Community. Check the limits here.
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    Asset limit: there is a limit on assets of €150,000 per purchaser.
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    Financing will be provided through the Subsidised Fixed Mortgage.
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    The mortgage must be signed before 31 December 2027, and the guarantee will be valid for up to 10 years.
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