Spaniens Jugendhypothek & ICO-Garantien 2025
Spain

Spaniens Jugendhypothek & ICO-Garantien 2025

Leitfaden zu spanischen ICO-Garantien und Jugendhypotheken.

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.

Calculate Mortgage

Tags

#2025#Spain#ICO

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