Housing loan with ALTUM support
For large families with three or more children for home purchase, building or renovation.
The amount of the grant is:
- € 8 000 if the family has 3 children or 2 children and pregnancy
- € 10 000 if:
• the family has 3 children, or 2 children and pregnancy, for a purchase of a near-zero energy building
• there are more than 3 children in the family, or 3 children and pregnancy - € 12 000 if the family has more than 3 children or 3 children and pregnancy, for a purchase of a near-zero energy building
The maximum amount of the grant does not exceed 50 % of the amount of a home purchase, building or renovation costs.
Who can apply for the grant?
- residents
- family, if the average gross income per family member does not exceed € 17 000 during the last year
- family that does not own another dwelling
You can only receive a grant once. The grant is linked to the bank loan and can be used without a housing guarantee.
- for the purchase, construction or reconstruction of a real estate up to € 250 000
- with children under 23 years of age or for families who are expecting a child
ALTUM guarantee period is up to 10 years. The amount of the guarantee is:
- 10% of the loan principal and not more than € 10 000 if the family has one child or is expecting a child
- 10–15% of the loan principal and not more than € 15 000 if the family has two children or one child and is expecting another one
- 10–20% of the loan principal and not more than € 20 000 if the family has three children or two children and is expecting another one
- 10–30% of the loan principal and not more than € 30 000 if the family has four children or three children and is expecting another one
The amount of the guarantee is increased by 5% if the loan is taken for the construction of a dwelling corresponding to the energy efficiency class of buildings “A” or a nearly zero-energy building.
- up to 35 years of age
- with secondary vocational or higher education
- ALTUM guarantee period is up to 10 years. The amount of the guarantee is up to 20% of the loan principal and no more than € 50 000
A guarantee for a bank loan to cover the down payment for purchase or construction of housing by soldiers of the National Armed Forces.
- Persons eligible for the guarantee are soldiers of the National Armed Forces, provided that the price for purchase or construction of housing does not exceed € 250 000
- Guarantee term is up to 10 years
- The guarantee covers up to 25% of the principal loan amount but not more than € 20 000
- The guarantee can be applied for repeatedly if 3 years have passed since the previous guarantee was granted and the obligations under the previous guarantee have expired
