1c:I[37328,["2972","static/chunks/2972-ba4df1e7a097b2d8.js","8354","static/chunks/8354-b84c53e3819380db.js","3145","static/chunks/3145-241fa076dfd79fa9.js","661","static/chunks/661-ef132e08c298042e.js","6279","static/chunks/6279-fa8ccfc70d3a9b38.js","1237","static/chunks/app/%5Blocale%5D/(marketing)/posts/page-95f42ac33d03bcab.js"],"PostCard"] 1d:T43f,## 📌 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).1e:T5bc,

📌 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 inco

Results

100% Mortgage Without Savings: Is It Possible in Spain in 2025?