Spain
Crédito Habitação Jovem Espanha & Garantias ICO 2025
Guia de garantias ICO e hipotecas jovens na Espanha.
Spain's Youth Mortgage & ICO Guarantees 2025
Buying a home in Spain usually requires a 20% down payment. However, the new ICO Guarantee allows young people (under 35) and families to borrow up to 100% of the property value.
What is the ICO Guarantee?
The Spanish government guarantees the 20% that banks usually require as a down payment. This means you can get a 100% mortgage, only needing to pay for taxes and closing costs (~10%).
Requirements
- Age: Under 35 years old.
- Income: Under €37,800/year.
- Residency: Legal resident in Spain.
Tags
#2025#Spain#ICO
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