To buy a house, you can try with the State Guarantee Fund, a solution that can prove to be much simpler than a classic mortgage.
Buying a house is certainly an important choice, which requires you to carefully consider every aspect. Our country is one of those states where more houses are boughtmore and more families are choosing to buy a home instead of renting one.
It is precisely an investment that you choose to make, and which can be used to live there, or as an investment. When you own a house, on the other hand, you can dispose of it as you want, and this is one of the reasons why owning one is important. But if you don’t have money available to give all at once, if there’s a lack of liquidity, many resort to a mortgage and, as we know well, It’s not easy to get it at all.
The prices of a house are very high, depending on the size, and what’s more, banks want a lot of documents and guarantees before granting one. And it is here, therefore, that the State can intervene with its Guarantee Fund.
State Guarantee Fund to buy a house: how it works
The State Guarantee Fund allows young couples who want to be independent, of buy their first home.
In essence, the State Guarantee Fund, helps these people get a mortgage to buy and renovate their first home. You can apply for mortgage loans that also reach 250 thousand euros, thanks to state guarantees for half the amount. The funds are managed by Consap. This fund can be accessed by married or cohabiting more uxorio couples who are together for at least two years.
Likewise, single-parent families with minor children living together, or tenants of houses owned by independent institutions for public housing, can also access this incentive. Furthermore, they can ask for the Fund, young people under the age of 36. Among other things, it is also possible to request an increase in the guarantee to 80% if the ISEE does not exceed 40 thousand euros per year and the loan request does not exceed 80% of the cost of the property. If you intend to try the path of the State Guarantee Fund, therefore, it is It is possible to contact Consap, which takes care of it. It will take about 20 days, and it will be discovered whether those who apply will be able to access the fund.
