POUPANÇA NO MINUTO
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Young people. Approved guarantee of up to 15% of the value of the house acquisition
The Council of Ministers has today approved a public guarantee mechanism of up to 15% of the purchase value of real estate, with a purchase limit of 450 thousand euros, aimed at young people up to 35 years old.
© Lusa
Economia Habitação
The measure was presented by the Prime Minister, Luís Montenegro, at the end of a Council of Ministers held in Braga and dedicated to young people, and the Government's goal is for it to be in force as of August 1.
The guarantee is intended for young people between the ages of 18 and 35, with incomes up to the 8th IRS bracket, that is, 81,199 euros of annual taxable income.
To benefit from the measure, young people cannot be property owners and cannot have already benefited from public guarantees. The measure will have a maximum transaction value limit of 450 thousand euros, with the guarantee limited to 15%.
The Minister of Youth and Modernization, Margarida Balseiro Lopes, said that the Government has already started "talks with the regulator" about this measure and that the goal is for it to be regulated within 60 days by means of an ordinance.
"What we think is that it can be in force together with the IMT exemption on August 1," said the minister.
In addition to the limits associated with age, transaction value, and income bracket, access to this public guarantee also requires that young people have their tax domicile in Portugal and do not own any urban building or autonomous fraction of a residential urban building.
Another condition is that the State guarantee is intended to make it possible for the bank to finance the entire transaction price of the house. It should be recalled that the rules currently in force determine that the credit cannot exceed 90% of the value of the house (considering, for this purpose, the lowest value between the acquisition value and the appraisal value) of permanent own housing.
The conditions for the State's personal guarantee to be granted to banks are cumulative.
The Government's program for the AD coalition includes the creation of a public guarantee to make it possible for banks to finance the entire price of the acquisition of the first house by young people.
Read Also: PSD will make one of the proposals for a parliamentary inquiry into Santa Casa viable (Portuguese version)
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