📌 30-Second Summary

Can you buy without down payment in 2025?

Yes, but with conditions:

• ICO guarantee covers up to 20% (you need 0-10%)
• Only for first home under €250,000
• Strict income and solvency requirements
• Interest rates slightly higher

Alternatives:

• Family loan for down payment
• Government assistance for young people
• 95% mortgage + savings

Key: The ICO guarantee makes 100% mortgages accessible, but you need good income (3x monthly payment) and stable employment.

---

How ICO Guarantee Works

The government guarantees part of your mortgage:

What it covers:

• Up to 20% of home value
• Maximum €40,000 guarantee
• No cost to you

Requirements:

• First home purchase
• Price <€250,000
• Age <35 years (or large family)
• Stable income

Real example:

• House: €150,000
• ICO guarantee: 20% (€30,000)
• Bank finances: 80% (€120,000)
• Your down payment: €0
• Monthly payment: €650 (30 years at 3.5%)

Warning: Even without down payment, you'll need €10,000-15,000 for taxes and fees (not financed).