Questions and Answers about Mortgage Financing
Financing does not have to feel like a maze of technical terms. At FINOVA, we believe clarity is the first step towards a smart decision. Explore our Practical Guides and FAQ centre to understand the financial language and every step of the process — without fine print and without complications.
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Are there exemptions for young buyers or first home purchase?
For young borrowers up to age 35, there is a State public guarantee regime for buying a first primary residence, provided the purchase value does not exceed €450,000. This regime does not automatically grant tax exemptions such as IMT, but it can provide access to special financing conditions if eligibility criteria are met, including not having previously owned residential property and not having used the public guarantee before. To benefit, all buyers must be borrowers on the mortgage contract and have regular tax and social security status.
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