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🏡 Housing benefits 2025: everything you need to know

Real estate

pol | May 6, 2025, 9:34 a.m.

This 2025 arrives with a significant set of aids to facilitate both the purchase and rental of homes , especially designed for young people, families and vulnerable groups . In addition, we explain what happens when you buy a home shared with your partner and give you useful examples.


🏠 Home purchase assistance

✅ Grant for young people (up to 35 years old)

  • Amount of up to €10,800 , with a maximum of 20% of the purchase price .

  • The home must be located in municipalities with less than 10,000 inhabitants and have a maximum price of €120,000 .

  • You must not own any other home and have an income of less than 3 times the IPREM (around €25,200/year).

  • Commitment to habitual residence for a minimum of 5 years .

✅ New guarantee system for young people and families with minors

  • The State guarantees up to 20% of the mortgage , allowing access to 100% financing without the need for prior savings.

  • Aimed at young people under 35 years of age and families with dependent children.


🧾 Rental assistance

✅ General rental assistance program

  • Subsidies of up to 50% of monthly income for 5 years .

  • Maximum rents of €600/month (extendable up to €900 in areas with a tight market).

  • Income less than 3 times the IPREM , with wider limits for large families or people with disabilities.

✅ Youth Rental Bonus

  • €250/month for 2 years for young people between 18 and 35 years old with incomes of less than €21,600/year .

  • Maximum rent: €600/month per home, €300/month per room.

  • The processing depends on each autonomous community.

📌 Practical example : A 22-year-old university student rents a room in a shared apartment with other students. The owner of the apartment is the parents of one of his classmates. However, if the student pays a legally established rent and has a contract, he can qualify for the Young Rental Bonus , as long as he meets the income requirements and the monthly rent does not exceed €300 per room.

✅ Specific aid in Catalonia (2025 call)

  • Allocation of 39 million euros for people aged 36 to 64 and over 65 .

  • Maximum amount of €200/month , depending on family income and economic effort.

  • Rental limits:

    • Barcelona and AMB: up to €900

    • Girona: up to €750

    • Tarragona: up to €700

    • Lleida and Terres de l'Ebre: up to €600


🛠️ Aid for home renovation

  • Subsidies of up to €18,800 per home , depending on the degree of energy savings achieved.

  • Coverage of up to 80% of the cost (up to 100% in cases of vulnerability).

  • Additional help for:

    • Technical project writing: up to €30,000

    • Preparation of the “existing building book”: up to €3,500

  • Possibility of financing with public guarantees.


🧑‍🦽 Aids for people with disabilities

  • Maximum income:

    • Up to 4 times the IPREM (€33,600/year)

    • Up to 5 times the IPREM (€42,000/year) in cases of severe disability

  • Aid for both the purchase and rental of adapted homes.


🏘️ Shared shopping with your partner: how does the assistance work?

Buying a home with your partner (or with another person) is possible, but you must take into account:

✅ Joint income

  • The total income of both holders is taken into account. If the sum exceeds the aid limit (e.g. €25,200), access may be lost.

✅ Previous properties

  • Neither of them can own other homes if they want to access aid as a primary residence.

✅ Partial ownership

  • If the property is shared (50%-50%), the aid may be proportional or limited depending on the program.

✅ Habitual residence

  • The home must be your usual residence for 5 years . It cannot be sold or rented during this period.

✅ Only one meets the requirements?

  • The aid can be applied for in the name of that person. However, if the ownership is shared, it may affect the amount or approval.


📌 Other notable initiatives

  • Some municipalities offer aid to combat depopulation: up to €10,800 for young people who acquire a home as their primary residence.

  • The Government also provides:

    • Guarantees for rental

    • Personal income tax deductions for affordable rentals

    • More control over the purchase of homes by non-residents


📍 We help you from Immogirona

If you are thinking of buying, renting or renovating a home in 2025, contact the Immogirona team and we will advise you on how to access the aid available according to your case.