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Garantia pública na compra de casa não abrange casais com um só jovem até 35 anos

Public guarantee in home purchase does not apply to couples with only one person under 35 years old.

The public guarantee for home purchase aimed at young people will not be able to cover a couple of two young people, if one is over 35 years old.

13 Nov 20242 min

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Public guarantee only covers couples if both members are up to 35 years old

Couples in which only one member is up to 35 years old will not be able to benefit from the public guarantee of the State for 100% financed housing credit, since this condition only applies to couples in which both meet the age requirement.

According to DECO PROteste, cited by Notícias ao Minuto, in these situations, the individual who meets the requirements must buy the property and request the respective financing alone. They must contract the credit individually in their name, assuming ownership of the property and proving that their income supports the required effort rate.

The public guarantee at stake, which comes into force at the end of December, covers young people up to the age of 35 when buying their first home, allowing the State to guarantee up to 15% of the transaction for properties up to 450,000 euros, provided that annual income does not exceed the 8th bracket of the IRS.

In addition, young people up to 35 years old currently have exemption of IMT and Stamp Duty when purchasing their own home, with total exemption for properties up to 316,772 euros and partial exemption for values between this and 633,453 euros.

Are you young and want to take advantage of the public guarantee when buying a house? You can rely on the credit intermediaries from Poupança no Minuto to guide you through the entire process, at no cost, facilitating all the bureaucracy and communication with the banks. Ensure the best offer on the market and save yourself! Simulate now:

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Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

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Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.