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📌 30-Second Summary

Buying your first home in 2025? You can get up to €20,000 in aid:

ICO First Home Guarantee: Finances up to 100% with 20% state guarantee

National Grant (Bono Joven): €10,800 over 2 years (under 35)

Regional Grants: €3,000-15,000 depending on community

Key: Combining several aids can reduce your initial investment to almost zero. This guide explains how to access them all.

Why 2025 is a Good Year for Young Buyers

The government has extended and improved housing aid for young people:

✅ What's new:

ICO guarantee without income limits
Young bonus extended until December 2025
More regions with own assistance
Simplified procedures

Combined example:

House: €150,000
ICO guarantee: 20% (€30,000)
Young bonus: €10,800
Regional grant: €6,000
Total aid: €46,800

With the

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