{"id":1307982,"date":"2026-03-30T16:50:38","date_gmt":"2026-03-30T13:50:38","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=1307982"},"modified":"2026-03-30T17:22:19","modified_gmt":"2026-03-30T14:22:19","slug":"residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","title":{"rendered":"Rezydenci Wsp\u00f3lnoty Walenckiej w wieku do 45 lat mog\u0105 kupi\u0107 mieszkanie z kredytem hipotecznym na 100%"},"content":{"rendered":"<p>G\u0142\u00f3wn\u0105 przeszkod\u0105 w <a href=\"https:\/\/alegria-realestate.com\/pl\/service\/buying-property-in-spain-as-a-foreigner\">zakupie mieszkania<\/a> z wykorzystaniem <a href=\"https:\/\/alegria-realestate.com\/pl\/articles\/mortgage-in-spain-in-2025-complete-guide\">kredytu hipotecznego<\/a> zazwyczaj nie jest miesi\u0119czna rata, lecz wk\u0142ad w\u0142asny. Zwykle banki finansuj\u0105 do 80% warto\u015bci nieruchomo\u015bci, co oznacza, \u017ce kupuj\u0105cy musi dysponowa\u0107 oszcz\u0119dno\u015bciami na pozosta\u0142e 20% oraz \u015brodkami na koszty towarzysz\u0105ce. W 2026 roku rz\u0105d Wsp\u00f3lnoty Walenckiej postanowi\u0142 zareagowa\u0107 w\u0142a\u015bnie na ten kluczowy problem.<\/p>\n<p>W\u0142adze autonomiczne rozszerzy\u0142y program gwarancji Instytutu Finansowego Walencji (IVF), aby m\u0142odzi ludzie i doro\u015bli do 45. roku \u017cycia mogli uzyska\u0107 kredyty hipoteczne na 100% warto\u015bci mieszkania. Og\u0142osi\u0142 to szef rz\u0105du Juanfran P\u00e9rez Llorca, kt\u00f3ry potwierdzi\u0142 zwi\u0119kszenie regionalnej gwarancji z 15% do 20% warto\u015bci nieruchomo\u015bci, co pozwala bankom sfinansowa\u0107 ca\u0142\u0105 kwot\u0119.<\/p>\n<h2>Jak dzia\u0142a program<\/h2>\n<p>Oznacza to, \u017ce:<\/p>\n<ul>\n<li>bank udziela finansowania na 100% warto\u015bci nieruchomo\u015bci;<\/li>\n<li>rz\u0105d wsp\u00f3lnoty autonomicznej gwarantuje do 20%;<\/li>\n<li>kupuj\u0105cy nie musi wnosi\u0107 wk\u0142adu w\u0142asnego;<\/li>\n<li>program jest bezp\u0142atny zar\u00f3wno dla beneficjenta, jak i dla wsp\u00f3\u0142pracuj\u0105cego banku.<\/li>\n<\/ul>\n<p>Program umo\u017cliwia zakup zar\u00f3wno <a href=\"https:\/\/alegria-realestate.com\/pl\/sale\/new-buildings\">nowych<\/a>, jak i <a href=\"https:\/\/alegria-realestate.com\/pl\/sale\">u\u017cywanych dom\u00f3w<\/a>, a tak\u017ce nieruchomo\u015bci wystawionych do wolnej sprzeda\u017cy lub wybudowanych w ramach pa\u0144stwowego programu mieszka\u0144 socjalnych i prywatnego budownictwa. Nieruchomo\u015b\u0107 musi jednak by\u0107 przeznaczona na sta\u0142e zamieszkanie. Ponadto maksymalna dopuszczalna cena zosta\u0142a podniesiona do 311 000 euro, co poszerza zakres nieruchomo\u015bci, kt\u00f3re mog\u0105 zosta\u0107 obj\u0119te programem.<\/p>\n<h2>Kto mo\u017ce otrzyma\u0107 gwarancj\u0119 IVF<\/h2>\n<p>Aby uzyska\u0107 gwarancj\u0119 IVF na zakup domu w prowincjach <a href=\"https:\/\/alegria-realestate.com\/pl\/sale\/alicante\">Alicante<\/a>, <a href=\"https:\/\/alegria-realestate.com\/pl\/sale\/valencia\">Walencja<\/a> lub Castell\u00f3n, wnioskodawcy musz\u0105 spe\u0142ni\u0107 nast\u0119puj\u0105ce warunki:<\/p>\n<ol>\n<li>W momencie sk\u0142adania wniosku wiek musi wynosi\u0107 od 18 do 45 lat w\u0142\u0105cznie. Ograniczenie wiekowe nie obowi\u0105zuje, je\u015bli jeden z kupuj\u0105cych mieszka\u0142 w gminie dotkni\u0119tej kl\u0119sk\u0105 \u017cywio\u0142ow\u0105 DANA 29 pa\u017adziernika 2024 r.<\/li>\n<li>Nale\u017cy potwierdzi\u0107 ci\u0105g\u0142e i nieprzerwane zamieszkiwanie we Wsp\u00f3lnocie Walenckiej przez dwa lata poprzedzaj\u0105ce z\u0142o\u017cenie wniosku.<\/li>\n<li>Nie mo\u017cna by\u0107 w\u0142a\u015bcicielem innego mieszkania w Hiszpanii, z wyj\u0105tkiem sytuacji, gdy w\u0142a\u015bcicielowi przys\u0142uguje udzia\u0142 mniejszy ni\u017c 50%; albo po rozwodzie nie przyznano mu prawa do korzystania z mieszkania rodzinnego; albo istnieje prawo u\u017cytkowania na rzecz osoby trzeciej.<\/li>\n<li>Wymagane jest obywatelstwo Hiszpanii, obywatelstwo innego kraju UE lub zezwolenie na legalny pobyt, je\u015bli chodzi o obywateli pa\u0144stw trzecich.<\/li>\n<li>Wnioskodawca musi posiada\u0107 ofert\u0119 finansowania wydan\u0105 przez instytucj\u0119 finansow\u0105 wsp\u00f3\u0142pracuj\u0105c\u0105 z programem.<\/li>\n<li>Konieczne jest nieposiadanie zad\u0142u\u017cenia wobec rz\u0105du Wsp\u00f3lnoty Walenckiej, z wyj\u0105tkiem p\u0142atno\u015bci odroczonych lub zawieszonych.<\/li>\n<\/ol>\n<h2>Jak z\u0142o\u017cy\u0107 wniosek<\/h2>\n<p>Proces uzyskania tego wsparcia nie rozpoczyna si\u0119 w banku, lecz w IVF. Najpierw zainteresowana osoba otrzymuje ofert\u0119 hipoteczn\u0105 od wsp\u00f3\u0142pracuj\u0105cej instytucji. Nast\u0119pnie sk\u0142ada wniosek wraz z dokumentami na elektronicznej stronie IVF, gdzie sprawdzana jest zgodno\u015b\u0107 ze wszystkimi wymaganiami. Je\u015bli wniosek zostanie zatwierdzony, wydawana jest decyzja o przyznaniu gwarancji, o czym informowany jest zar\u00f3wno wnioskodawca, jak i wybrany bank.<\/p>\n<p>Wnioski mo\u017cna sk\u0142ada\u0107 po oficjalnej publikacji w Diari Oficial de la Generalitat Valenciana.<\/p>\n<h2>Co warto wzi\u0105\u0107 pod uwag\u0119<\/h2>\n<p>Cho\u0107 gwarancja umo\u017cliwia uzyskanie finansowania do 100% warto\u015bci nieruchomo\u015bci, nale\u017cy pami\u0119ta\u0107, \u017ce nie obejmuje ona <a href=\"https:\/\/alegria-realestate.com\/pl\/articles\/expenses-and-taxes-when-buying-a-home\">koszt\u00f3w towarzysz\u0105cych<\/a> (podatki, notariusz, rejestracja), nie gwarantuje automatycznego przyznania kredytu (bank musi zatwierdzi\u0107 transakcj\u0119) i nie zast\u0119puje zdolno\u015bci finansowej kupuj\u0105cego.<\/p>\n<p>W warunkach rosn\u0105cych cen mieszka\u0144 i trudno\u015bci ze zgromadzeniem nawet 20% wk\u0142adu w\u0142asnego program usuwa g\u0142\u00f3wn\u0105 barier\u0119 dost\u0119pu do zakupu. Dla os\u00f3b spe\u0142niaj\u0105cych wymagania mo\u017ce to oznacza\u0107 r\u00f3\u017cnic\u0119 mi\u0119dzy dalszym op\u0142acaniem najmu a <a href=\"https:\/\/alegria-realestate.com\/pl\/service\/find-property-in-spain\">zakupem mieszkania<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>G\u0142\u00f3wn\u0105 przeszkod\u0105 w zakupie mieszkania z wykorzystaniem kredytu hipotecznego\u2026<\/p>\n","protected":false},"author":34,"featured_media":1307984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1307982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mieszka\u0144cy Wsp\u00f3lnoty Walencji poni\u017cej 45. roku \u017cycia mog\u0105 kupi\u0107 mieszkanie z 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