The Spanish real estate market is experiencing a historic moment. What seemed impossible a few years ago is now a reality: 100% mortgages for young people with public backing and preferential conditions.This initiative is marking a before and after in housing access, especially for those who, until now, saw buying their first home as a distant dream.

Why is this such a major change?

Until recently, buying a home required savings of between 20% and 30% of the property value. In cities like Barcelona, Girona, or Madrid, this easily meant €30,000 to €60,000 just for the down payment, an unattainable amount for most young people with stable jobs but modest salaries.With the new 100% mortgages for young people, this barrier disappears. Buyers can now access a home without providing initial savings, and in some cases even including notary and registration costs.

The goal: promote youth independence, boost the real estate sector, and reactivate the economy.

Who can access these mortgages?

The program is mainly aimed at:

•People under 35 years old.

•Purchasing their first primary residence.

•Having a stable work contract or demonstrable recurring income.

•Not owning other properties.

Some banks are also offering special conditions to young buyers of energy-efficient homes, aligned with European sustainability policies.Unprecedented advantages

•Full financing of the property value.

•Elimination of the initial savings requirement, allowing immediate access to homeownership.

•Competitive interest rates with public guarantees.

•Additional incentives in some regions for sustainable homes.

This benefits not only young buyers but also promotes new builds and revitalizes the resale market.

Where are the best opportunities?

In cities with still-competitive prices like Girona, Valencia, or Malaga, 100% mortgages allow access to quality housing without an overwhelming initial financial effort.In high-demand metropolitan areas such as Barcelona, this policy is attracting young professionals who previously resigned themselves to renting.

Challenges to considerNot everything is perfect:

•Financial institutions will require impeccable solvency records.

•Bundled products (insurance, payroll deposits) may be required.

•Availability may vary depending on the region and the bank’s agreement.

Conclusion: a historic moment100% mortgages for young people are more than just financial aid: they are an open door to independence and stability.If you’re under 35 and dream of your first home, now is the time to get informed and take the step.At Inmomerkat, we analyze the best opportunities and help you find the mortgage and home that fit your needs.

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