{"id":12951,"date":"2025-07-03T11:28:27","date_gmt":"2025-07-03T09:28:27","guid":{"rendered":"https:\/\/adigrat.test.builders\/?p=12951"},"modified":"2025-12-22T16:10:51","modified_gmt":"2025-12-22T14:10:51","slug":"insights-how-to-buy-a-home-in-italy-with-100-mortgage","status":"publish","type":"post","link":"https:\/\/adigrat.test.builders\/en\/insights-how-to-buy-a-home-in-italy-with-100-mortgage\/","title":{"rendered":"How to buy a home in Italy with a 100% mortgage"},"content":{"rendered":"\n
What can you do when you want to buy a house but don\u2019t have enough savings? One possible solution is a 100% mortgage that covers the full value of the property. But these loans can be harder to obtain and often come with higher interest rates and stricter guarantees. <\/em><\/h5>\n\n
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In a market defined by rising prices per square meter and persistent macroeconomic uncertainty, buying a home remains a real challenge for many. While recent interest rate cuts by the European Central Bank<\/a> have made mortgages more accessible, purchasing a property is still complicated for those who lack the liquidity required for a down payment.<\/p>\n\n

Traditional mortgages typically finance up to 80% of a property’s value, leaving the buyer responsible for covering the remaining 20%, as well as all additional expenses associated with the purchase, such as taxes<\/a> and notary fees. This 80% threshold was established in 1995 by the Interministerial Committee for Credit and Savings (CICR), but in certain cases, banks may grant 100% mortgages, making it possible to purchase a home without any down payment.<\/p>\n\n

How to get a 100 percent mortgage?<\/h2>\n\n

Securing a mortgage that covers the full value of a property is not easy. Banks view these loans as riskier and typically hesitate to offer them. When they do, they usually require additional guarantees and impose higher interest rates. And even if they agree to finance the full amount, they tend to limit the loanable amount to the lower value between the purchase price and the appraised value of the property.<\/p>\n\n

However, if you opt to purchase an energy-efficient property, obtaining a 100% mortgage becomes easier. In this case, banks are more inclined to offer full financing through green mortgages<\/a>, which are specifically designed for buying eco-friendly homes with an energy rating of A or B. These mortgages often come with more favorable interest rates, as they are intended to promote investment in sustainable real estate.<\/p>\n\n

The first home mortgage guarantee fund<\/h2>\n\n

To facilitate access to 100% mortgages, the Italian government intervenes through the first home mortgage guarantee fund managed by Consap, a company fully owned by the Ministry of Economy and Finance. With this program, the State guarantees a significant portion of the loan, which can reach up to 80% or 90% of the requested amount. This lowers the risk for banks and increases the chances of getting approved for the mortgage.<\/p>\n\n

In particular, the most substantial state guarantees are intended for individuals who fall into one of the following categories:<\/p>\n\n