Call us

Customers: 912 06 37 95 Non-customers: 912 06 37 90

Let's talk
Client
clientes@uci.com · 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com · 912 06 37 90
L-V de 10.00 a 18.00h
Private Area
Call us
Client
clientes@uci.com 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com 912 06 37 90
L-V de 10.00 a 18.00h
Apply for mortgage
Apply for mortgage
YOU CAN MORTGAGE for young people

A mortgage for young people means getting your first home.

Taking the plunge is timeless. You can be young and want a home. You can be newly employed and take out a mortgage. You can have flexible terms and, of course, buy your first home. This is the POEDES Mortgage.
Request YOU CAN

Yes, being young you can have your own house

Download the brochure

Time passes quickly only if you allow it to, and waiting many years to own your own home is like letting it slip away. Don't wait any longer and take the leap toward your first home. By your side, our network of professionals and a POEDES Mortgage tailored to your situation. Tell us about your project, and if you own another property, we'll analyze whether you can finance 100% of the home you want to buy, providing it as additional collateral on your POEDES mortgage. Always taking your personal circumstances into account.

  • Your investment

    You have a future project and you want to make it a reality. Now's the time.

  • Your decision

    Now, more than ever, an expert will be with you to help you make the best decision.

  • Your chance

    You can put up another house as collateral or you can make an initial financial contribution.

Your moment, your mortgage YOU CAN

  • YOUR SAVINGS MATTER

    Flexibility

    You can choose what you contribute from the start. We adapt.

  • CONTINUE WITH YOUR BANK

    Freedom

    You don't need to bring your paycheck, just the desire to buy your first home.

  • ASK US ABOUT THE ADVANTAGES OF PUEDES

    Commitment

    Our sales team will inform you about the advantages of financing an energy-efficient home.

With UCI and ICO guarantees, buying your first home is easier.

If you're under 35, you'll soon be able to benefit from ICO guarantees. We'll tell you what they are and how to apply for them.

  • Neque porro quisquam est qui dolorem ipsum

    Neque porro quisquam est qui dolorem ipsum Neque porro quisquam est qui dolorem ipsum

    Lorem Ipsum

  • The ICO guarantees are a €2.5 billion financing line approved by the Government through the Official Credit Institute (ICO).

    They aim to make it easier for those under 35 to purchase their first home by offering a guarantee that covers up to 20% of the mortgage loan, and up to 25% for homes with an energy rating of D or higher.
  • Young people up to 35 years old.
    • · Be 35 years old or younger.
    • · Have an individual income no greater than 4.5 times the IPREM (Spanish Pension Fund) in 14 payments (€37,800 gross per year in 2024).
    • · In the case of two holders, both must be 35 years old or younger, and the income limit cannot exceed double the previous figure (€75,600 gross per year, jointly in 2024).
    • · The buyer's net worth cannot exceed 100,000 euros.
    • · Not own another home, through any form of acquisition for consideration or profit.
    • Be an adult with legal residence in Spain, and must have proven this continuously and uninterruptedly for the two years prior to the loan application. If there are two borrowers, both must meet this requirement.
    • · Not have debt with defaults.
  • If you meet all the requirements, you can finance the purchase of your home with UCI and benefit from ICO guarantees.
    Request information from our financial experts by calling 91 206 37 90 or writing to cuentanos@uci.com.

    You can benefit from ICO guarantees until December 31, 2025. A possible extension to December 31, 2027, is planned.

It's time to receive information

  • +34
  • Select
  • Select
Responsible: Unión de Créditos Inmobiliarios SA EFC (UCI). Contact with the UCI Data Protection Delegate: dpo@uci.com. Purposes and legal basis: With your consent, UCI will process your data to manage your requests, provide you with information about our products and services, and know your assessment of them. Conservation time: We will keep your data for as long as it is necessary to fulfill said purposes. Once completed, UCI will proceed to block them, keeping them only at the disposal of the competent Public Administrations. Communication to third parties: UCI may contract third-party service providers who will have access to your personal data, processing them only for the purposes described, always on behalf of UCI. Rights: You can exercise your rights of access, rectification, deletion, opposition, limitation, portability, as well as the revocation of the consent given, by writing to the email "privacidad@uci.com", or by postal mail to the Post Office 1160, 28080 -Madrid. You can also file your claim with the AEPD at www.aepd.es. How we obtain your data: UCI has obtained your data through forms or requests that you may have completed on one of our websites, in interviews and conversations with our sales representatives, or through third-party companies (for example, real estate portals) with which UCI maintains collaboration agreements. In all cases, with your knowledge, and prior consent for the treatment thereof. You can obtain more information about the processing of your personal data, and how to exercise your rights, by consulting our our Data protection Policy. By clicking on the submit button below, I declare that I have read and accept the above information on Data Protection.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

As I buy my house

  • 1

    Gil

    In 24 hours we have already spoken to you

  • 2

    Simple

    We need very little to tell you if it is viable: we analyze your project based on the purchase price.

  • 3

    Flexible

    Our financing adapts to your savings plan. We understand you. We do the math for tailor-made financing.

  • 4

    Easy

    We don't ask for anything from you. We study your project without obligation.

  • 5

    Staff

    Everything is done after your decision. You are in control of the process.

Your mortgage benefits from insurance

For a safer future S

The future is uncertain, it is just a choice. Take out one of the insurance policies we offer and breathe easy.

Study our insurance

You still have a lot to know about your Mortgage YOU CAN

Read our articles

05 Apr 2024

ICO guarantees for home purchases
Economy and Mortgages

08 Jul 2022

Until what age can I apply for a mortgage?
Economy and Mortgages

You can get a mortgage and everything you need

Because each person, due to his interest, has his own type.

  • Variable Type

    You change yourself, and your rate. Fixed rate the first year and variable the rest of the mortgage, changing according to the Eurbor.

  • Mixed Type

    You don't settle for the same thing. Fixed rate for the first few years, and variable for the rest of your mortgage.

  • Fixed Type

    You don't want changes, but a rate that doesn't vary. Up to 30 years, without depending on changes in the Eurbor.

All insurance is mediated by Unión de Créditos Inmobiliarios, SA, Establecimiento Financiero Crédito, Operador de Banca-seguros Vinculado. Registered office at Calle Amaltea, 32, 1º, 28045, Madrid. Company registered in the Mercantile Registry of Madrid, Volume 29,491, Book 0, Folio 174, Section 8, Sheet M. 67,739. CIF A39025515. Registered in the Registry of the General Directorate of Insurance and Pension Funds with no. OV-0076. The mediator has Professional Civil Liability Insurance and financial capacity as established by current legislation.

SANTANDER Seguros y Reaseguros, Compañía Aseguradora, S.A. Av. De Cantabria, S/N. 28660, Madrid. CIF A46003273. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0037, in life insurance, permanent total disability insurance and home insurance.

CARDIF Assurance Vie, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012421D. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0129, in life insurance and permanent total disability.

CARDIF Assurances Risques Divers, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. With CIF. W0012420F. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0130, in temporary disability and unemployment insurance and home insurance.

GENERALI Seguros y Reaseguros, SAU Paseo de las Doce Estrellas, 4, 28042, Madrid. CIF. A48037642. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code C0467-G0056, in life and permanent total disability insurance and in home insurance.

CAJA DE SEGUROS REUNIDOS, Insurance and Reinsurance Company, SA (CASER), Avenida de Burgos, 109, 28050, Madrid. CIF A28013050 Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0031, in life and permanent total disability insurance and in home insurance.

ZURICH VIDA, Compañía de Seguros y Reaseguros, S.A., Paseo de la Castellana, 81, 22nd floor, 28046, Madrid, CIF. A08168213. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0039, in life insurance and permanent total disability.