Overview

• Eligible Catalans aged 18–35 can apply from June 30 via the ICF digital portal for zero-interest loans up to €50,000
• The ICF will cover up to 20% of a property’s value, capped at €50,000, with partner banks financing the remaining 80%
• Applicants must have gross annual incomes below €80,963 for singles or €83,467 for joint buyers to qualify
• Homes purchased under the program become permanent public housing with resale prices limited to the original purchase cost plus inflation and renovation expenses
• Economists caution that the influx of credit could fuel housing price inflation, prompting authorities to promise close monitoring of its impact on housing supply