Massive response to the aid convened by the Generalitat so that since the requests for the Emancipation Loan line were opened, on June 30, he has received 3,172 applications and has approved 452. The rest, are already formalized, or in the review phase, have been denied or the applicants themselves have renounced. ICF housing loans emancipation cover up to 20% of the value of the floors, to zero interest, and their winners will not have to return them until they finish paying the. The benefit obtained is that these floors will be qualified as permanently protected, so its price will always be appraised and cannot be speculated.
Also known as Emancipation rent It is part of the Plan of the Government of Salvador Illa for. The Housing Agency of the Department of Territory will allocate 500 million in five years; And who processes them is the ICF, which depends on the Ministry of Economy. The remaining 80% of the value of the floors will be paid with mortgages that have adhered to the Bank of the Generalitat: Arquia, Banc Sabadell, Bankinter, BBVA, CaixaBank and Imagin, Caixa d’Enginyers, Caixa Guissona, Kutxa and Banco Santander. The aid has also been well received by the banking sector, explain sources from the real estate market.
Although they have a cap of 50,000 euros, the amount requested has been, on average, smaller: 27,300 euros for floors around 200,000 price, official sources report. Most applications have been from buyers between 30 and 35 years old, a third of between 25 and 29, and do not reach 400 aspiring between 18 and 24 years. Sources of the Autonomous Administration are “very satisfied with the answer”, which understand that “it shows that there was a niche, a need for these loans that will allow access to the purchase of young people who without this entry could not, and incorporate floors to the public park.”
Due to the origin of the requests, 60% were of young people from the regions of Barcelona. The rest, from more to less applicants, The official aid provides that emancipation income must be returned in the five years after the mortgage.
When they presented the aid last June, the Ministry of Territory, and Economics, presumed that they are “an innovative and pioneering product in Spain.” Paneque considered it “a star measure of Government, a strategic investment of mandate and a policy in favor of the economic dynamism of Catalonia”, which confided that “has positive consequences in the life of young Catalans.” “A formula,” he defended, “for the benefit of youth, which does not harm anyone, dodges ideological debates because it benefits everyone and protects the right to live at a reasonable price.” Romero valued that the loans “respond to a objective set as Government, which is public-private collaboration, that it is a way of working to add efforts and be able to reach citizens.” The Minister of Economy also stressed that it is the first product of the ICF designed for individuals, because usually the loans of the public bank are for companies, administrations or entities of the third sector.
The requirements to request emancipation loans are to be registered in Catalonia, be between 18 and 35 years old, that it is the first purchase of housing and is destined for habitual residence, and have gross income (of the people who will live) who do not exceed the indicator of rent of sufficiency of Catalonia (IRSC) multiplied by 6.5. The equivalence, in the case of a single buyer, would not exceed 80,963 euros per year; and in the case of two, the 83,467 euros.
The processing of Municipal Solares advances
Emancipation loans are a leg among the many of the 50,000 floors plan, which has an annual budget of 1,100 million euros. This week, during a day on the issue at the College of Economists, the Minister Paneque announced that the processing of the lots assigned by the municipalities advances. “Soon” the competitions will be convened to build in the first solar solar that have no builder already end of the year there will be a second call to incorporate land.
The person in charge of the plan and in charge of coordinating all the departments involved, Ramon García Bragado, reported that approximately half, with a potential of 14,000 floors, already have promoter and their construction is imminent. There are another 130 plots where the municipalities have requested operator (these are the ones that will have the specifications in the coming weeks). And in 200 smaller lots, which only allow to build 20 homes or less and are less attractive to the sector, the Government is looking for operators “because they are less interesting operations for the market, but have a lot of local impact.” Bragado also explained that there are planned in the Catalan municipalities to earn more affordable rental floors.
