As long as it's your first home, you can count on an ICO guarantee.

Sometimes we need a little more. If you're under 36 or have children in your care and haven't been able to save, ICO is the financing that will back your mortgage loan and give you even more coverage.

A guarantor who understands your situation

You can buy your first home, and you can receive an ICO guarantee that will Help them get it. For people under 35 and families with dependent children, the ICO guarantee is a €2.5 billion financing program that covers up to 20% of your mortgage loan, and up to 25% for homes with an energy rating of D or higher.

CONDITIONS FOR REQUESTING THE ICO GUARANTEE

When we do everything possible for your home

There are situations that require a little more help. And each group has different characteristics.

Young people up to 35 years old

Being under 36 years old and having a maximum net worth of €100,000 are some of the requirements.
See conditions
Young people under 36 years old
Learn the requirements for applying for your ICO guarantee, and remember that the loan amount must be greater than 80% of the purchase price or appraisal*.

1. Apply. By December 31, 2025.
2. We help you because you need it. Therefore, the maximum income cannot exceed €37,800 per year (4.5 times the IPREM).
3. If there are more of you, the limit increases. If there are two of you, the combined income cannot exceed €75,600.
4. In your first home. Not owning another home.
5. Required to apply: Individuals of legal age who have been legally resident in Spain for the two years prior to the loan application, continuously and uninterruptedly.
6. Your assets matter. You must not have a joint net worth exceeding €100,000 or €200,000 with your partner.
7. For and by your home. Use your mortgage loan to pay for the purchase of the home and its annexes (garage, storage room).
8. Purpose of the home. You must use the home as your permanent, habitual residence.
9. Everything has a place. Housing is built on the peninsula and islands, new or secondhand.

*Applicable to the lower of the two amounts.
Families with minors in their care

If you don't own any property in your name, your first home is closer than ever.
See conditions
Families with minors in their care
Learn the requirements for applying for your ICO guarantee, and remember that the loan amount must be greater than 80% of the purchase price or appraisal*.

1. Apply. By December 31, 2025.
2. We help you because you need it. Therefore, the maximum income cannot exceed €37,800 per year (4.5 times the Iprem). In the case of single-parent families, the income limit can be increased by 70%.
3. If there are more of you, the limit increases. If there are two of you, the combined income cannot exceed €75,600.
4. Every person counts. For each child under 18, add €2,520.
5. In your first home. Not owning another home.
6. We ask for little. We give you much. Family book or registration as a common-law couple.
7. Required to apply: Individuals of legal age who have been legally resident in Spain for the two years prior to the loan application, continuously and uninterruptedly.
8. Your assets matter. You must not have a joint net worth exceeding €100,000 or €200,000 with your partner.
9. For your home. Use your mortgage loan to pay for the purchase of your home and its annexes (garage, storage room).
10. Purpose of the home. You must use the home as your permanent, habitual residence.
11. Everything has a place. Housing is built on the peninsula and islands, new or secondhand.

*Applicable to the lower of the two amounts.

Three points to keep in mind:

1

Final deadline

You can benefit from ICO guarantees until December 31, 2025. A possible extension to December 31, 2027, is planned.
2

Term of the guarantee

The guarantee term will be a maximum of 10 years from the date the transaction is formalized. During this same period, the home must be the beneficiary's primary residence and may not be rented, except in certain circumstances:

- Job transfer: If the beneficiary of the guarantee receives a job transfer to a different city or town, they could temporarily rent the home while residing in the new location.

- Marital separation: If the home is the family home and a marital separation occurs, the beneficiary of the guarantee could rent the home while the process is resolved.

- Marriage celebration: If the home is the beneficiary's primary residence and they get married, they could rent the home temporarily to avoid being forced to reside in the couple's new home.

- Obtaining a first job or a more advantageous job: If the beneficiary of the guarantee finds a job that requires a change of residence, they could temporarily rent the home while working in the new location.
3

Amount of the guarantee

The ICO will provide a guarantee that can cover up to 20% of the loan, and up to 25% in cases where the purchased home has an energy rating of D or higher.

UCI - Entity adhering to the ICO guarantee line for young people

As long as it's your first home, you can count on an ICO guarantee.

A guarantor who understands your situation

When we do everything possible for your home

Young people up to 35 years old

Young people under 36 years old

Families with minors in their care

Families with minors in their care

Three points to keep in mind:

Final deadline

Term of the guarantee

Amount of the guarantee

Our mortgages

Rehabilitation

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