Persons with a degree of incapacity equal to or greater than 60%, confirmed by medical certificate of multipurpose disability, provided that they are over the age of 18, can apply for a home loan under the subsidised housing credit scheme for persons with disabilities.

Loans granted under this scheme may have the following purposes:

• Acquisition, extension, construction or renovation of permanent housing (including the acquisition of an individual garage or parking space in a collective garage);

• Acquisition of land for the construction of property intended for permanent owner-occupied housing (including the construction of an individual garage);

• Renovation of common parts of buildings designed to comply with technical standards for accessibility to residential buildings.

Access to this scheme is still dependent on compliance with several requirements:

• The loan amount cannot exceed EUR 238,273.23 (in 2026, updated annually according to the consumer price index);

• The maximum term of the loan cannot exceed 50 years;

• The amount of the loan cannot exceed 90% of the appraisal value of the house, or the cost of ordinary, extraordinary or improvement works (loan-to-value);

• The loan cannot be used to purchase property owned by ascendants or descendants of the person concerned;

• No member of the household may hold another loan under a subsidised loan scheme;

• A mortgage on the financed property must be constituted, and it cannot be sold for a minimum period of five years.

However, the conclusion of contracts under this scheme always depends on the agreement of the credit institution.