If I turn 36 before the deed, do I lose the benefits?

Yes. The under-36 requirement is assessed at the notarial deed date (signing of the final contract), not at the mortgage application date. If you know you are turning 36 soon, accelerate the process.

Can I use the Consap guarantee for a property at auction?

Yes, the Consap guarantee is also applicable to properties purchased at judicial auction, as long as all other requirements are met (first home, no luxury, ISEE, age). It is less common but technically possible.

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Under 36 mortgage 2026: 100% state guarantee, tax benefits

If you are under 36 with ISEE below €40,000, you have access to exclusive first home mortgage benefits: the Consap state guarantee allowing financing up to 100% of the property value, substitute tax exemption (0.25% → 0%), and income tax deduction on interest. This guide explains exactly how to access these benefits in 2026.

Authority

Consap — Fondo Prima Casa

Time

1–2 ore

Updated

Apr 2026

What you need

✓Identity document and tax code
✓Current ISEE below €40,000
✓Signed purchase proposal or preliminary contract
✓Property land registry report and energy certificate
✓First home declaration

Step-by-step procedure

Verify requirements: age + ISEE + first home

To access the Consap guarantee you must have: under 36 years of age at the notarial deed date (not application), ISEE below €40,000 (current ISEE, not pre-filled), and the property must be your first home (you must not own other residential properties). The property must be in Italy and must not be luxury (cadastral categories A1, A8, A9 excluded).

ISEE must be calculated before applying for the mortgage. CAF processing times are often 2-4 weeks — plan ahead.

Request the mortgage with Consap guarantee from the bank

Not all banks participate in the Consap Fund. Check on the Consap website (consap.it/prima-casa) for the list of affiliated institutions. When contacting the bank, explicitly specify that you want the mortgage with 'First Home Guarantee Fund' and that you are under 36 with ISEE below €40,000. The bank handles submitting the guarantee request to Consap — you don't need to do anything directly with Consap.

Compare at least 3 affiliated banks — rates can vary by 0.5-1% between institutions, which over 25 years makes a difference of €10,000-20,000.

Save on substitute tax: from 0.25% to 0%

Standard first home mortgages pay a substitute tax of 0.25% on the amount disbursed (example: €150,000 mortgage → €375 in tax). For under-36s with ISEE below €40,000 this tax is zeroed out. Savings typically range from €200 to €500. The notary and bank automatically handle the exemption if you have declared the requirements.

Keep a copy of your ISEE and identity document for the deed — the notary will attach them to the act.

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Fondo Garanzia Prima Casa Under 36 — Consap

Consap

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Frequently asked questions

Responsible authority

Authority

Consap — Fondo Prima Casa

Phone

06.4270.1

Certified email

Website

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The information in this guide is for orientation only and does not constitute legal or tax advice. Always verify on the official portal of the responsible authority.