---
title: "First home, more time to buy: the Guarantee Fund extended to 2029"
description: News, aggiornamenti e guide sul mercato immobiliare, compravendite, affitti, normativa casa e agevolazioni fiscali a cura di Grimaldi Casa.
url: https://www.grimaldi.casa/en/news/prima-casa,-più-tempo-per-acquistare-il-fondo-di-garanzia-prorogato-al-2029
---

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# First home, more time to buy: the Guarantee Fund extended to 2029

11 November 2026

0 minutes read

The extension concerns the Guarantee Fund for first home mortgages (Consap), which the bill proposes to extend until 31 December 2029.

## 1. What is the First Home Guarantee Fund?

It is a public instrument managed by Consap, through which the State guarantees the bank a part of the mortgage capital. In practice, it allows some categories of buyers to obtain financing more easily, even when they do not have a large down payment. 

Extension expected until 2029

## 2. What are the guarantee percentages?

| Category of beneficiaries | State guarantee |
| --- | --- |
| Ordinary warranty | 50% |
| Priority categories with expected requirements | Up to 80% |
| Large families with at least 5 children under 21 | Up to 90% |

 

The strengthened guarantees concern, among others:

- Young people under 36;
- Young couples;
- Single-parent families with minor children living together;
- Tenants of public housing;
- Large families, according to legal requirements.

## 3. What does the extension to 2029 involve?

The bill establishes three interventions:

1. Extension of the enhanced guarantees until 31 December 2029.
2. Extension of benefits for large families until the same date.
3. Increase in the Fund's resources by 200 million euros for 2028 and another 200 million for 2029.

New resources expected: 400 million euros

## 4. Practical example

A young person under 36 buys an apartment worth 200,000 euros and requires a mortgage of 190,000 euros. With a state guarantee of up to 80%, the Fund can guarantee the bank a share of the financed capital, according to the established conditions.

This does not mean that the State pays 152,000 euros to the buyer: it is a guarantee in favor of the bank, which reduces the risk of the financing institution.

## 5. What are the main requirements?

To access the Fund, among other conditions, you must:

- Purchase a property to be used as a main residence.
- Do not own other residential properties, except for the exceptions provided by law.
- Fall within the categories and requirements required for the specific guarantee percentage.
- Contact a bank participating in the initiative.

For the strengthened guarantee of 80% for under 36s, among other requirements, an ISEE not exceeding 40,000 euros and a mortgage exceeding 80% of the purchase price, including additional charges, are envisaged.

 

Attention: at the moment this is a provision contained in the 2027 Budget Law, not yet definitively approved.