2023-10-24 05:06:04
In the last year, several autonomous communities have launched aid programs for young people who want to own a home that will represent their habitual residence. One of the most common is discounts on purchase taxes, although there are also territories that are offering public guarantees or special mortgages that can be requested through the banks participating in these programs.
Unicaja Banco has recently signed agreements with the governments of the Community of Madrid, Andalusia and Castilla y León. The programs of these three communities, specifically, make it easier for those under 35 years of age to grant up to 95% of the mortgage to access the purchase of an apartment (in the case of Castilla y León, up to 97.5 %). Other financial entities that operate in different regions also participate in them.
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Each one establishes its own requirements, although they have some similar ones. In Madrid, for example, it will be necessary to have resided legally in the community uninterruptedly during the two years prior to the application; that The value of the home you wish to buy does not exceed 390,000 euros and not own any other property in Spain.
In Andalusia and Castilla y León, young people must also be registered in a municipality in the community and not own any other property (with certain exceptions). The price of the house will be, at most, 295,240 euros in Andalusian territory —which may reach 354,288 euros if the property has energy efficiency labels A or B— and 240,000 euros in Castilla y León.
In Madrid it will be necessary to have resided in the community during the previous two years
In this context, Unicaja Banco has several loans aimed at granting these guarantees. The Young Mortgagefor example, has special conditions and can be contracted 100% online, both at a fixed and variable rate. On the other hand, it also has the Oxygen Mortgagea product intended to finance the acquisition, self-promotion or rehabilitation of efficient homes, with an A or B energy efficiency certificate and also available at a fixed and variable rate.
As the entity itself points out, “our mortgage offer is completed with various loans for the purchase of housing whose conditions adjust to the client’s requirements, and they can choose fixed, variable or mixed rate mortgageschoose the return period that best suits your profile and even the contracting method, both online as in person in offices.” Likewise, the bank has a mortgage simulator with which those interested in acquiring a mortgage (customers or not) can calculate the installment to pay at the time.
In the last year, several autonomous communities have launched aid programs for young people who want to own a home that will represent their habitual residence. One of the most common is discounts on purchase taxes, although there are also territories that are offering public guarantees or special mortgages that can be requested through the banks participating in these programs.
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