A home loan with a state guarantee is granted with a loan period of 25 years. Any repayment holidays may subsequently extend the loan period, but to no more than 29 years.
The amount of an ordinary state-guaranteed home loan cannot exceed 85% of the purchase price of the home. The guarantee will cover a maximum of 20% of the granted home loan, or a maximum of 60,000 euros.
Borrowers must pay a guarantee fee, which is 2.5% of the guaranteed amount.
First-time home buyers can get a state guarantee for an ASP loan that covers up to 90% of the purchase price of the home. With ASP loans, the state guarantee will cover a maximum of 25% of the loan and it is free of charge.
If you need an ordinary home loan in addition to the ASP loan, you will need to pay a fee for the state guarantee included in the ordinary loan.
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