We are facing the best year for the purchase of housing. Opportunity to which residents and savers can take even more advantage thanks to the Housing Plan. Discover the reasons that will make 2018 the ideal time to buy your home.
The real estate sector is experiencing its best moment of the decade. The number of operations, the price of housing and the granting of mortgages are in full swing.
While the rental market is in an upward cycle, after growing 18% over the past year. Overcoming the previous rents to the real estate bubble, according to Idealista.
Not to mention the entry into force of the new State Housing Plan. A battery of aid, not only for the purchase and rental of housing, but also for rehabilitation.
In these circumstances, the residential market receives a new impulse to the sale of homes by residents and investors. Containing optimism to all the agents involved.
The best time to buy your home!
New Housing Plan 2018-2021
The State Housing Plan enters into force this January. A series of grants and subsidies for the purchase or rental of housing, aimed at people under 35 years of age.
Along with subsidies for the rehabilitation of buildings, with the aim of improving energy efficiency and accessibility.
The Housing Plan knows how to take into account, fundamentally, who can be the beneficiaries, what requirements must be met, what type of actions it includes, and both the form and the deadline for requesting aid.
Conditions that are worth studying in detail.
Beneficiaries and application for aid
Grants for both single-family home owners and communities of owners for block flats are available.
The application period can not exceed 12 months from the granting of the works license by the municipality. Term that ascends, in buildings, to 16 months. And, to affect more than 40 homes, up to 18 months.
The calls will be made public by the corresponding autonomous communities.
Requirements to qualify for the plan
Aid can be requested for real estate with an antiquity prior to 1996 that fulfills the habitual domicile function. Both owners and tenants, always reside in the house during the period of the aid.
In apartment buildings, 70% of the entire surface must be above ground. And, at least, 50% of the floors should be usual housing. In property or rent.
An updated Building Assessment Report (ITE) must be provided and agreed upon among the neighbors. And, in turn, attach the corresponding action project.
If it is a block of flats, the subsidy can be applied to the façade as well as to the exteriors, common areas and inside the homes.
The aid includes improvements in energy efficiency systems (installation in heating or cooling, production of hot water and air conditioning ventilation, and improvements in existing systems, such as the thermal envelope). In addition, it also includes generation equipment through renewable energies, and improvements in both protection against noise and reduction of indoor pollution.
Help to buy your house
The battery of aid depends on the type of real estate.
In single-family homes, in general, up to 12,000 or 40% of the amount invested. Being able to add another 1,000 euros if it is an asset of Cultural Interest. And extending to 75% of the capital invested, if the beneficiary has an income that does not exceed three times the IPREM (Public Indicator of Income of Multiple Effects).
On block flats with a limit of 8,000 euros.
In residential buildings, up to 8,000 euros per floor. And € 80 / m2 in commercial premises. As long as the amount does not exceed 40% of the capital invested. Being able to add, in Assets of Cultural Interest, another 1,000 euros per floor and 10 € / m2 more for commercial premises. Expanding aid to 75% of the entire investment if the beneficiary does not exceed three times the IPREM.
To these aids are added the percentages of the subsidies can be extended to him, if the rehabilitation of the property includes works to facilitate the accessibility. Both for people over 65 and for those with reduced mobility.
Aid for rent
The Housing Plan also includes a program of rent subsidies among young people.
It is a contribution of up to 50% of the monthly rent, provided that the rent is between 600 and 900 euros per month. And the applicant’s income level is less than three times the IPREM.
A push for both renting and buying your house!
