Mortgage Youth Credit
The key to your first home is now
Financing up to 100%The State Guarantee can cover up to 15% of the property's value, allowing the bank to finance the entire acquisition amount, even without an initial down payment.
Exemption from Taxes on AcquisitionFull exemption from IMT and Stamp Duty for properties up to €330,539, with partial exemption applicable to properties up to €660,982.
Extended repayment periodPossibility of repayment up to 40 years, reducing the effort rate and increasing the likelihood of credit approval.
Financing up to 100%The State Guarantee can cover up to 15% of the property's value, allowing the bank to finance the entire acquisition amount, even without an initial down payment.
Exemption from Taxes on AcquisitionFull exemption from IMT and Stamp Duty for properties up to €330,539, with partial exemption applicable to properties up to €660,982.
Extended repayment periodPossibility of repayment up to 40 years, reducing the effort rate and increasing the likelihood of credit approval.
Authorized by Banco de PortugalCredit intermediary no. 0001290
CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services.
Covered Credit Contracts: Mortgage and Consumer Credit.
Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.At CrediSegur, we help you access the Public State Guarantee and obtain up to 100% financing on your Young Mortgage for the purchase of your first home!
See if you meet all the requirements
Shall we get started?
• Be between 18 and 35 years old• Tax residence in Portugal• Income up to the 8th IRS bracket, approximately €5,800/month• Not owning an urban property or any autonomous fraction of an urban property intended for housing• No debts to the Tax Authority or Social Security• Property value less than €450,000• Not having previously benefited from the state guarantee
Attention, you have until December 31, 2026, to take advantage of this state support.
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Benefits First Home for Young People
Buy your home without needing to spend your own capital for the down payment
• The state provides a guarantee of up to 15% of the property's value, covering the percentage of financing that the bank would not support. You can obtain financing of up to 100% of the acquisition value and thus more easily buy your new home.• Total exemption from IMT and stamp duty for homes up to €330,539 and partial exemption up to €660,982• Guarantee valid for 10 years• Possibility of renegotiating or transferring the credit without losing the guarantee conditions• Constant advice and support from CrediSegur throughout the process
Documents you will need
Gather the necessary documentation
• Citizen Card or equivalent document• Tax residence certificate• IRS settlement note with proof of Social Security for the last 3 months' income• Negative property certificate• Urban property booklet• Certificate of no debt (Tax Authority and Social Security)
We helped Carlos and Joana buy their first home
They managed to save over €27,000
Bank Proposal
Amount€275,000.00
Mixed Rate for 3 years2,95%
Euribor6 months
Spread0,85%
Insurance
Monthly:€67.00Annual:€804.00
Monthly payment
€1,043.00
Our Proposal
Amount€275,000.00
Mixed Rate for 3 years2,4%
Euribor6 months
Spread0,65%
Insurance
Monthly:€41.00Annual:€492.00
Monthly payment
€932.00
With the new rate and reduced insurance, they save
Monthly savings
€111.00
Total savings
€27,840.00
100% Financing and Public State Guarantee
See how to do it, step by step
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For a period of 10 years from the date of formalization of the credit contract. The Public Guarantee serves as additional security for the bank, allowing better financing conditions for the client. After the end of these 10 years, the guarantee automatically ends, and the credit follows the normal rules, without the State's support as a guarantor.
In the event of default, the bank activates the Public Guarantee, and the State temporarily assumes the payment of the amount owed. However, the client remains responsible for that amount and must settle it with the financial institution. After this settlement, the bank reimburses the amount to the State. In other words, the guarantee protects the bank but does not exempt the client from their obligations.
Yes. During the guarantee period, you can renegotiate the terms of your credit, such as the term or interest rate, without losing this benefit. All of this is subject to the bank accepting the changes. The existence of the Public Guarantee does not prevent these renegotiations, nor does it invalidate the contract.
Yes, it is possible to transfer the credit, provided that the new bank has adhered to the Public Guarantee protocol. However, you should be aware that the guarantee is not renewed with the transfer; it only remains for the remaining time of the initial 10-year term. This means that, for example, if you have already benefited from the guarantee for 6 years, when you transfer the credit, it will only remain for another 4 years.
This measure is valid for credit contracts signed until December 31, 2026.
Yes. It is possible to benefit from the Public Guarantee and simultaneously enjoy the total or partial exemption from IMT and Stamp Duty, provided you meet the respective requirements.
No. This measure has no retroactive effects. This means it only applies to credit contracts signed after the publication of the legislation, which occurred in September 2024. In other words, mortgages signed before that date cannot benefit from this measure, even if the client meets all other criteria.
It depends on the situation of each buyer. The exemption from IMT and Stamp Duty applies only to the buyer who does not own another property in their name and who meets the other criteria of the measure. If one of the buyers already owns another property, that person does not benefit from the exemption and will have to pay the taxes corresponding to their share of the acquisition. The other buyer, if they meet the requirements, may benefit from the exemption.
No. Young people who are considered dependents for tax purposes in the year of purchase are not eligible for these measures. This is because, to benefit from the support, the buyer must be fiscally independent, meaning they must have their own tax return and fiscal autonomy. If they are still part of another person's household as a dependent, they do not meet the necessary requirements.
No. The exemption applies exclusively to the acquisition of properties intended for permanent and primary residence. This means it does not cover: loans for works or renovations, land purchases, and other types of financing that do not involve the direct acquisition of a house for personal residence. It is important to note that, in the case of purchasing land for building a house, the IMT only applies to the value of the land, not the cost of construction. However, this situation is not covered by the exemption provided for in this measure.
No. Although Life Insurance and Multi-risk Home Insurance are required by banks as a condition for granting credit, you are not obliged to take them out with the same institution where you make the loan. You can freely choose the insurer that offers you the best conditions, as long as the coverages meet the minimum requirements set by the bank. Often, taking out insurance outside the bank allows for a better price/coverage ratio, which can represent significant savings over time.
Yes. Despite the Public Guarantee and tax exemptions, there are some costs that remain the responsibility of the client:• Stamp Duty on the financed amount• Bank fees, such as property appraisal and contract formalization• Mandatory insurances (Life Insurance and Multi-risk Home Insurance)These charges are part of the normal process of taking out a mortgage and are not covered by the exemptions provided for in this measure.
No, during the guarantee period, it is not possible to rent the property. The State Guarantee, granted to young people up to 35 years old, lasts for 10 years. During this period, the property must be exclusively intended for primary and permanent residence.This means that:• It cannot be rented• It must be the beneficiary's habitual residenceAfter the end of the 10-year guarantee, this specific obligation no longer exists, and the property can be rented or sold without restrictions associated with this measure.
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