ICO endorsement in Andalusia
ICO Guarantee in Andalusia 2026: the key help to buy your first home returns
The ICO guarantee for the purchase of a home is once again at the center of news. After months of uncertainty, the Government has confirmed its extension and reactivation, which is great news for young people and families in Andalusia who want to take the step towards their first home.
From Valoracasa we tell you what this new scenario means, how it affects you and why now may be the best time to buy.
The ICO guarantee is reactivated: what changes in 2026
The line of guarantees from the Official Credit Institute (ICO), endowed with 2,500 million euros, has been officially extended until December 31, 2027.
This implies that:
- Public support for home purchases remains in force
- The objective of helping more than 50,000 buyers is maintained
- Continues to facilitate access to mortgages without prior savings
In other words: The opportunity is still open, but it will not be indefinite.
How does the ICO guarantee work?
The operation remains simple but very powerful:
- The ICO endorses up to 20% of the house price
- You can reach 25% if the home is energy efficient
- It is processed directly through collaborating banks
This allows access, in many cases, to mortgages of up to 100% of the purchase value, eliminating the main barrier: entry.
Andalusia: one of the key communities
In Andalusia, this measure is especially relevant due to several factors:
- Prices even more affordable than in other large communities
- High demand for first homes among young people
- Existence of complementary regional aid
In addition, the Junta de Andalucía already has its own guarantee program, which can complement the ICO in some cases, expanding financing options.
This makes Andalusia one of the regions with best conditions to buy a home today.
Core requirements (unchanged)
To access the ICO guarantee in 2026 you must comply:
- Be under 35 years old or family with children
- Have income less than €37,800 (or double in joint purchases)
- Not exceeding €100,000 of assets
- Not own another home (with exceptions)
- Use the home as a habitual residence
Deadlines: important not to fall asleep
Although the program has been expanded, it must be taken into account:
- The guarantee has a duration of up to 10 years
- The deadline to request it is open until end of 2027
- Funds are limited
This means that, although there is room, The sooner you inform yourself, the better..
Why this help is key at the current time
In Andalusia, as in the rest of Spain, a clear pattern is repeated:
- Many people can afford a mortgage
- But they can't save the initial 20%
Added to this:
- Rent increase
- Difficulty to emancipate
- Job instability in young people
The ICO guarantee directly responds to this problem: It does not give you the home, but it allows you to access it sooner.
Is it a good time to buy in Andalusia?
With the reactivation of the ICO guarantee, the context is especially interesting:
- More accessible financing
- Prices still competitive in many areas
- Active public aid
For many buyers, 2026 can be a real window of opportunity.
Conclusion
The return of the ICO guarantee confirms a clear commitment to facilitating access to housing. In Andalusia, where conditions were already favorable, this measure further strengthens the possibilities for those who want to buy their first home.
But it is not permanent or unlimited help. Being informed and acting in time can make a difference.
At Valoracasa we help you take advantage of it
If you are thinking about buying a home in Andalusia and want to know if you can benefit from the ICO guarantee, at Valoracasa we analyze your case and accompany you throughout the process.
Because buying a house shouldn't be impossible. You just need the right strategy.
VALUAR HOUSE FORM
