{"id":52751,"date":"2021-05-13T11:13:00","date_gmt":"2021-05-13T09:13:00","guid":{"rendered":"https:\/\/agenziadeltaimmobiliare.it\/first-home-loan-buyers-changes-and-who-can-benefit-from-them\/"},"modified":"2026-02-14T22:34:50","modified_gmt":"2026-02-14T21:34:50","slug":"first-home-loan-buyers-changes-and-who-can-benefit-from-them","status":"publish","type":"post","link":"https:\/\/agenziadeltaimmobiliare.it\/en\/first-home-loan-buyers-changes-and-who-can-benefit-from-them\/","title":{"rendered":"First home loan buyers: changes and who can benefit from them"},"content":{"rendered":"\n<p>A new decree is being prepared by the Draghi government aimed at under 36\u2019s. We are talking about the draft of the &#8220;Sostegni bis&#8221; decree regarding the <strong>first home loan for young people<\/strong>, which would offer the possibility for young people under 36 to start the procedures to take out a mortgage without paying an advance and without the need for a guarantor. As with <strong>the first home loan Gasparrini Fun<\/strong>d, the State will guarantee mortgage applicants, but with the <strong>100% capital guarantee<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Indice dele contenuto<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/agenziadeltaimmobiliare.it\/en\/first-home-loan-buyers-changes-and-who-can-benefit-from-them\/#First_home_loan_how_it_works_and_who_can_apply\" >First home loan: how it works and who can apply<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/agenziadeltaimmobiliare.it\/en\/first-home-loan-buyers-changes-and-who-can-benefit-from-them\/#The_consequences_of_the_first_home_subsidies_on_the_real_estate_market\" >The consequences of the first home subsidies on the real estate market<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/agenziadeltaimmobiliare.it\/en\/first-home-loan-buyers-changes-and-who-can-benefit-from-them\/#Buying_a_house_in_Gaeta_with_the_first_home_loan_guarantee_fund_for_young_people\" >Buying a house in Gaeta with the first home loan guarantee fund for young people<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"First_home_loan_how_it_works_and_who_can_apply\"><\/span>First home loan: how it works and who can apply<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The new legislation for<strong>first home tax breaks<\/strong>would enter a broader program that <em>\\&#8221;looks to the next generation\\&#8221;<\/em>, as premier Draghi underlined during the illustration in the Recovery Plan. <em>\u201cWe are one of the countries with the lowest fertility in Europe: fewer than 1.3 children per woman against almost 1.6 for the EU average. To enable our young people to form a family, we must respond to three of their requests: adequate welfare, a home and a secure job. In addition to the nursery school plan, which I have already talked about, young people benefit from measures for social infrastructure and social housing \u201d.<\/em>.<\/p>\n\n\n\n<p>Young people under 36 can access the guarantee fund, including those who do not have a permanent employment contract and want to buy their first property. The State will guarantee for a maximum cap of \u20ac 250,000 on deeds stipulated to the 31 December 2022<\/p>\n\n\n\n<p>Prestigious homes and the following cadastral categories are excluded from the concessions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2022 A1 &#8211; stately homes,<\/li>\n\n\n\n<li>\u2022 A8 &#8211; dwellings in villas,<\/li>\n\n\n\n<li>A9 \u2013 castles and palaces of outstanding artistic and historical value.<\/li>\n<\/ul>\n\n\n\n<p>The reliefs include the exemption from registration tax, the mortgage and land registry tax and the reimbursement of the VAT paid for the transaction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_consequences_of_the_first_home_subsidies_on_the_real_estate_market\"><\/span>The consequences of the first home subsidies on the real estate market<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In this perspective, the <strong>benefits for young adults<\/strong> who want to buy their first home see a 100% state guarantee. A new encouraging forecast for young families who see easier access to the <strong>first home guarantee fund<\/strong>, unlike that provided for in the 2019 Growth Decree, this provides a guarantee by the State of 100% of the capital, together with the other reliefs listed above.<\/p>\n\n\n\n<p>If 210,000 applications were registered with the Guarantee Fund established in 2014 (of which 60% from young people under the age of 35) it can be assumed that, by facilitating access to the fund, the applications will be substantial. A further input for the real estate market which is opening up more and more to that socio-demographic group that feels the need to buy a house to realize the desire to create a family, but is hampered by working and contractual conditions that do not facilitate the access to the mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buying_a_house_in_Gaeta_with_the_first_home_loan_guarantee_fund_for_young_people\"><\/span>Buying a house in Gaeta with the first home loan guarantee fund for young people<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Gaeta is the perfect city to design a young couple\\&#8217;s family lifestyle and home. The tranquility of a town overlooking the sea is combined with a rapidly growing cultural liveliness and greater ease of access to services, qualities that make it a sparkling and dynamic place to live peacefully. You can choose the right area to <strong><a href=\"\\&quot;https:\/\/agenziadeltaimmobiliare.it\/wp-content\/uploads\/2019\/07\/mercato-immobiliare-2019-delta-immobiliare-1.jpgen\/where-to-buya-house-in-gaeta-how-to-choose-the-right-location\/\\&quot;\">buy a house in Gaeta<\/a><\/strong> according to your needs. Houses range from the most exclusive residential areas, for those who prefer a quieter lifestyle, to the historic center and the medieval district, with direct access to basic necessities.<\/p>\n\n\n\n<p>If you are considering the idea of proceeding with the <strong>first home purchase in Gaeta<\/strong>, do not hesitate to contact our<a href=\"\\&quot;https:\/\/agenziadeltaimmobiliare.it\/wp-content\/uploads\/2019\/07\/mercato-immobiliare-2019-delta-immobiliare-1.jpgen\/contact-us\/\\&quot;\">agency to find out<\/a> about the preliminary procedures to access the guarantee fund and answer all your doubts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A new decree is being prepared by the Draghi government aimed at under 36\u2019s. We are talking about the draft [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":52866,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[117],"tags":[],"class_list":["post-52751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-ed-eventi"],"acf":[],"_links":{"self":[{"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/posts\/52751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/comments?post=52751"}],"version-history":[{"count":0,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/posts\/52751\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/media\/52866"}],"wp:attachment":[{"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/media?parent=52751"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/categories?post=52751"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agenziadeltaimmobiliare.it\/en\/wp-json\/wp\/v2\/tags?post=52751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}