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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
icf loan
ICF Loan

Emancipation Loan.

There is now a new benefit for young people in Catalonia

I want information

What is an emancipation loan?


This is a new mortgage support program for young residents of Catalonia, promoted by the Catalan Finance Institute (ICF) of the Government of Catalonia. Its objective is to facilitate first-time home purchases for young people aged 18 to 35 living in Catalonia by financing up to 20% of the down payment or appraised value (whichever is lower), with a maximum limit of €50,000. UCI is a participating institution in this program, and you can take out one of our mortgages and benefit from this support.

You can apply for ICF aid if....

See terms and conditions
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    You are young in Catalonia

    You can apply if you are between 18 and 35 years old (both included) and are registered as a resident in Catalonia.
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    Your salary does not exceed the limit.

    Annual income must not exceed the limit set by the Generalitat, according to the IRSC multiplied by 6.5*.
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    It's for you to live in.

    The property must be the first one purchased by the applicant and must become their primary residence.
*The gross annual income of all members of the future cohabitation unit (including minors and people who do not apply for the loan) cannot exceed the Catalan Income Sufficiency Indicator (IRSC) multiplied by 6.5. For example: One person: up to €80,963.31 per year - Two people: up to €83,467.33 per year.

Do you want to start now?

Apply for the ICF Habitatge Emancipació Loan and take the first step towards a new beginning.

Yes, a young person can say “Welcome to my house”

You're young, you live in Catalonia, and yes, you CAN buy your first home. Tell us about your plans and we'll analyze whether you can finance 100% of the property you want to buy.

If there's one thing that speaks volumes about UCI, it's that we always take your personal circumstances into account.

Check UCI mortgage terms and conditions

It's time to receive information

Send us your details and attach the certificate of approval of the emancipation loan.

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About the Emancipation Loan (or ICF Habitatge Emancipació)

  • 1

    What does it consist of?

    It allows financing up to 20% of the property value (the amount that is generally not covered by the main mortgage) with a limit of €50,000.

  • 2

    Application to the ICF

    First, it is necessary to request the ICF Habitatge Emancipació loan through the ICF digital banking.

  • 3

    Mortgage application

    UCI is one of the entities affiliated with the ICF program. If the ICF approves your application, you have 6 months to take out a mortgage to finance the remaining price of the property, which will cover up to 80% (of the lower of the purchase price or the appraised value of the property).

  • 4

    A professional will accompany you

    At UCI you will have your own manager, a professional who will support you from beginning to end.

Frequently asked questions about mortgage assistance for young people in Catalonia

  • The client will have two loans, one granted by the entity, under the conditions agreed by both parties, and another loan granted by the ICF, at an interest rate of 0% APR, 0% AER **.
  • With the granting of the ICF loan, the property permanently acquires the status of officially protected housing. Officially protected housing (VPO) is a property subject to a special regime regulated by the government, which guarantees a maximum price and access conditions to facilitate housing for people with limited incomes, through public support in its development or financing.
    That the property is permanently VPO implies: that it must be your usual residence; its sale price will be limited (to the purchase price plus the CPI and the cost of certain renovations); and the Agencia de l'Habitatge de Catalunya (AHC) will have preference to buy it (right of first refusal and redemption).
  • No, unless authorized by the AHC and only after 3 years from the purchase date . The authorization is temporary (max. 5 years), and the rent will be limited to 80% of the Rental Price Reference Index. If you wish to continue renting after that period, you will have to repay the emancipation loan early.
  • Yes. Although the ICF emancipation loan finances the down payment (up to 20%), the expenses and taxes of the sale (such as ITP or VAT, notary fees, administrative fees, etc.) must be paid by the buyer.
  • Yes, provided both applicants meet all program requirements (age, income, and not owning another home). If one of the co-applicants does not meet a criterion, the application will be automatically denied.
  • Yes, first home buying aid in Catalonia is compatible with other subsidies, especially those related to improving energy efficiency.
  • Repayment of the ICF loan principal begins after the mortgage term ends, which can be up to 30 years. This means that once the mortgage loan granted by the financial institution is fully repaid, you have 5 years to repay the ICF loan interest-free. You can also repay it early without any prepayment penalty.

UCI - collaborates with the ICF Habitatge Emancipació Loan

**Taking as an example a loan of €50,000 over 35 years. (30 years grace period and 5 years loan repayment)
    Loan amount: €50,000.00
    Loan term: 35 years. (30 years grace period and 5 years loan repayment).

Key characteristics and conditions of the operation:
    Nominal interest rate: 0.00% (no interest)
    APR: 0.00%
    Fees: €0 (no opening, processing or early cancellation fees)
Monthly installments:
    After a 30-year grace period, 59 installments of €833.33 and a final installment of €833.53.
    The final outstanding balance will be €0, since the amortization system will be French, with constant installments throughout the life of the loan.

Total amount owed:
    €50,000.00, corresponding solely to the loan principal.