The Generalitat increases the guarantee up to 20% of the price of the home
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The main novelty of the program Generalitat Valenciana is the increase in public guarantee. Until now, the IVF guaranteed 15% of the value of the property. Since the last call published in the Official Gazette of the Generalitat Valenciana, the percentage has increased to 20%.
This change allows collaborating financial entities to grant loans that cover 100% of the purchase and sale price. In practice, the buyer no longer needs to contribute the usual 20% down payment that most banks require.
The program’s budget has increased by 50%, which expands the potential number of beneficiaries in 2026. The objective is to reduce the initial savings barrier that makes it difficult for young people to emancipate and purchase a home.
What homes can be financed
The program is not limited to a specific type of property. You can purchase:
- New homes.
- Second-hand homes.
- Free sale properties.
- Privately promoted public housing.
In all cases, the home must be used as the habitual and permanent residence of the applicant.
New price limit in 2026
Another relevant modification affects the maximum value of the home. The limit goes from 277,000 euros to 311,000 euros. This expansion allows the program to better adapt to the evolution of the real estate market in the Valencian Community.
The guarantee granted by the IVF is free for both the beneficiaries and the financial entities participating in the program.
Requirements to access the 100% mortgage in the Valencian Community
Not all buyers can benefit from this system of public guarantees. The IVF establishes strict conditions that must be met at the time of submitting the application.
Age and residence
- Be between 18 and 45 years old, both inclusive, at the time of requesting the guarantee.
- Have continuous and uninterrupted residence in the Valencian Community during the two years prior to the application.
- Possess Spanish nationality or nationality from a Member State of the European Union, or legal residence in Spain in the case of non-EU citizens.
There is an exception to the age requirement for one of the purchasers if they resided at the time of the DANA disaster on October 29, 2024 in one of the affected municipalities.
Asset and financial situation
- Not be the owner of another home owned throughout the national territory.
- A participation of less than or equal to 50% in another home is allowed.
- Divorced or separated people who do not have the use of the family home by court ruling can also access it.
- It is compatible when there is a usufruct established in favor of a third party.
- Not maintain debts with the Generalitat or with its public sector, unless they are deferred or suspended.
- Have a financing offer issued by a collaborating financial entity.
Compliance with all these requirements is essential for the IVF to grant the guarantee.
How to process the application step by step before the IVF
The procedure is carried out directly through the IVF electronic headquarters. Applications can be submitted from the day following the official publication of the call in the DOGV.
Once the request has been registered along with the required documentation, the IVF analyzes the file to verify that all requirements are met.
Resolution and communication to the bank
If the request is favorable, the agency issues a resolution accrediting the granting of the guarantee. This resolution is communicated to both the interested party and the selected financial institution.
With the approved guarantee, the bank can formalize a mortgage that covers up to 100% of the purchase and sale value, within the limits established by the program.
Keys before starting the process
Before applying, applicants must ensure they have:
- Pre-mortgage agreement or binding proposal from a collaborating entity.
- Documentation proving residence and employment status.
- Certificates that prove that you do not have debts with the regional administration.
The Generalitat Valenciana Thus, in 2026, it reinforces its commitment to access to housing through 100% mortgages guaranteed by the IVF. The program opens the door for young people between 18 and 45 years old to buy their first home without having to provide prior savings for the entry, as long as they meet the established requirements and formalize the application within the official deadline.
