How Can Young Spaniards Buy a Home in 2025 Without Selling a Kidney? ????????
Young Spaniards dream of owning a home, but let’s be real—property prices are sky-high, and savings are lower than your WiFi signal in the subway. ???? Luckily, 2025 brings new government programs and mortgage deals to make buying a home easier!
???? How Are Banks Helping Young Buyers?banks
???? Floating-rate mortgage – interest depends on Euribor (thrill-seekers, this one’s for you ????).
???? Fixed-rate mortgage – for those who like stability (and sleeping soundly at night).
???? Higher mortgage limits – some banks offer over 80% financing (but don’t expect a free cat with it).
???? No Savings for a 20% Down Payment? No Problem!
The government covers the down payment for buyers under 35 and families with kids, making 100% mortgage financing possible. ????
???? Bonus: Up to €10,800 in Subsidies!
But you have to meet some conditions:
✅ Be under 35 (botox won’t help, only your passport will).
✅ Buy a home under €120,000.
✅ Live in it for at least 5 years (no Airbnb-ing, sorry).
✅ Own no other property.
✅ Choose a town with under 10,000 residents.
✅ Earn no more than three times the IPREM.
???? Extra Perks in Some Regions
In Catalonia, buyers under 33 pay 5% instead of 10% purchase tax if their taxable income is under €30,000.
???? Bottom line: Buying a home is possible! Got questions? Drop them in the comments or DM us—we’re happy to help. ????
