Yes. If you have acquired a degree of disability equal to or greater than 60% after the conclusion of a home loan agreement, and the purpose of such agreement is to purchase, expand, construct, renovate a permanent residential property or purchase land for the construction of property for that purpose, the home loan is necessarily migrated to the subsidised credit scheme for people with disabilities.

In order to migrate to the subsidised credit scheme for people with disabilities, you must fulfil the other access conditions and submit an application to the credit institution to request the change.

The change from the general scheme to the subsidised credit scheme for disabled persons is only allowed up to a maximum amount of EUR 238,273.23 (in 2026, updated annually on the basis of the consumer price index) and provided that the ratio between the outstanding capital and the value of the property does not exceed 90% (loan-to-value ratio).

In addition, the term of the loan covered by this scheme will take into account the number of years elapsed from the previous loan and the sum of the terms of the two loans cannot be more than 50 years.