{"id":102897,"date":"2025-10-30T13:31:55","date_gmt":"2025-10-30T11:31:55","guid":{"rendered":"https:\/\/www.llachserra.com\/blog-access-housing-financing-grants-young-people\/"},"modified":"2026-10-16T09:16:39","modified_gmt":"2026-10-16T07:16:39","slug":"blog-access-housing-financing-grants-young-people","status":"publish","type":"post","link":"https:\/\/www.llachserra.com\/en\/blog-access-housing-financing-grants-young-people\/","title":{"rendered":"Access to housing and financing: mortgages and public aid for young people"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Leading speakers in the real estate sector<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">The event featured a panel of top-level speakers, each contributing their expertise on key aspects of the home-buying process:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Rub\u00e9n Llach<\/strong>, Managing Partner of Llach Serra &amp; Associats and Vice President of the CAFBL<\/li>\n\n\n\n<li><strong>Josu\u00e9 Llach<\/strong>, Director of Wealth Management at the Swiss bank Mirabaud<\/li>\n\n\n\n<li><strong>\u00d2scar Massana<\/strong>, Tax-financial Consultant at GM Legal Financer | Bauma Capital<\/li>\n\n\n\n<li><strong>Joan Rodr\u00edguez<\/strong>, Head of the Housing Service of the Alt Pened\u00e8s County Council<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Trend shift in the real estate market<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Ruben Llach<\/strong> introduced the forum by highlighting that a <strong>sustained increase in housing prices<\/strong> is being observed, a clear indicator of a <strong>trend shift in the real estate sector<\/strong>. This context <strong>especially impacts young people<\/strong>, who increasingly find <strong>more difficulties in accessing property ownership<\/strong>. <\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"866\" height=\"578\" src=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-3-edited-1.png\" alt=\"\" class=\"wp-image-44560\" title=\"\" srcset=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-3-edited-1.png 866w, https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-3-edited-1-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 866px, 100vw\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><strong>Mortgages and young people<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">According to data shared during the session, young people <strong>take 36.7% longer<\/strong> to obtain a mortgage compared to previous years, and <strong>the average age<\/strong> for buying a first home in Spain <strong>stands at 41 years<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">Only <strong>6% of mortgage credit<\/strong> intended for home purchases corresponds to <strong>people under 35 years of age<\/strong>, a figure that highlights the need for public policies and tailored financial advice.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Types of mortgages and current conditions<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Josu\u00e9 reminded that a mortgage is <strong>the most significant debt in a person&#8217;s life<\/strong>, and emphasized the importance of <strong>understanding and reading the fine print<\/strong> before signing any contract.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"828\" height=\"552\" src=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-2-edited-1.png\" alt=\"\" class=\"wp-image-44563\" title=\"\" srcset=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-2-edited-1.png 828w, https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-2-edited-1-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 828px, 100vw\" \/><\/figure>\n\n<p class=\"wp-block-paragraph\"> He explained the differences between:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed-rate mortgages:<\/strong> interest around <strong>2% during the first 10 years<\/strong> and <strong>1% after that period<\/strong>.<\/li>\n\n\n\n<li><strong>Variable-rate mortgages:<\/strong> they depend on the <strong>Euribor<\/strong> index, which <strong>varies daily<\/strong>. In this case, it is essential to compare offers between banks and know the <strong>commissions, taxes, and other associated costs<\/strong>. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Donations and loans between individuals<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">\u00d2scar Massana provided a fiscal and practical view on this area, highlighting that <strong>it is more advantageous to make a monetary donation than one of real estate<\/strong>, as the tax burden is lower.<\/p>\n\n<p class=\"wp-block-paragraph\">He also explained the differences between a <strong>donation<\/strong> and a <strong>loan between individuals<\/strong>, as well as some <strong>best practices and legal recommendations<\/strong> to formalize these processes safely and transparently.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"972\" height=\"648\" src=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-4-edited-1.png\" alt=\"\" class=\"wp-image-44566\" title=\"\" srcset=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-4-edited-1.png 972w, https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-4-edited-1-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 972px, 100vw\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><strong>Public support for youth emancipation<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Joan Rodr\u00edguez presented the <strong>Programa Galeria<\/strong> (galeria.cat) and explained how the Generalitat de Catalunya, through the <strong>ICF Habitatge Emancipaci\u00f3<\/strong>, offers <strong>loans of up to \u20ac50,000<\/strong> for young people between 18 and 35 who want to finance <strong>the down payment on their first home<\/strong>, without <strong>commissions or interest<\/strong>.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"856\" height=\"571\" src=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-5-edited-1.png\" alt=\"\" class=\"wp-image-44569\" title=\"\" srcset=\"https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-5-edited-1.png 856w, https:\/\/www.llachserra.com\/wp-content\/uploads\/2025\/10\/image-5-edited-1-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 856px, 100vw\" \/><\/figure>\n\n<p class=\"wp-block-paragraph\">The process consists of two phases:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Request the loan through the ICF digital banking platform.<\/li>\n\n\n\n<li>If approved, contact one of the banking entities participating in the agreement.<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">The <strong>ICO guarantee<\/strong> was also mentioned, which facilitates access to financing for young groups and families.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>A commitment to real estate education<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">With initiatives such as the <strong>Tribunes<\/strong>, <strong>Llach Serra &amp; Associats<\/strong> reaffirms its <strong>commitment<\/strong> to <strong>education<\/strong> and <strong>transparency<\/strong> in the <strong>real estate sector<\/strong>. These types of <strong>events<\/strong> are <strong>essential<\/strong> for providing <strong>valuable information<\/strong> and <strong>accompanying people<\/strong> through one of the <strong>most important steps<\/strong> of their lives. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Watch the Tribuna again<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">If you were unable to attend the event, you can <strong>watch the 7th Tribuna Llach Serra<\/strong> &#8220;Mortgage loans and aid for young people&#8221; on our <a href=\"https:\/\/www.youtube.com\/@LLACHSERRAASSOCIATS\" target=\"_blank\" rel=\"noopener\"><strong>YouTube channel<\/strong><\/a>.<\/p>\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"7a Tribuna Llach Serra: Pr\u00e9stecs hipotecaris i ajuts per persones joves.\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/-TeGhZrL-rQ?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<h3 class=\"wp-block-heading\"><strong><strong>What are the Llach Serra Tribunes?<\/strong><\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">At <a href=\"https:\/\/www.llachserra.com\/en\/\"><strong>Llach Serra &amp; Associats<\/strong><\/a>, we have launched, together with the <strong>Casal Societat La Principal de Vilafranca del Pened\u00e8s<\/strong>, the <strong>Llach Serra Tribuna Series<\/strong>, a space created with the aim of <strong>bringing<\/strong> <strong>housing and heritage updates<\/strong> closer to the general public with <strong>specialized speakers<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong><strong><strong>Upcoming Forums<\/strong><\/strong><\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Date: <strong>February 16, 2026<\/strong>\n<ul class=\"wp-block-list\">\n<li>Topic: \u201cHousing and health\u201d<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Date: <strong>May 12,<\/strong><strong> 2026<\/strong>\n<ul class=\"wp-block-list\">\n<li>Topic: \u201cInterior Design\u201d<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">For <strong>more information<\/strong> or to learn about upcoming <strong>Llach Serra Tribunes<\/strong>, we invite you to <a href=\"https:\/\/www.llachserra.com\/en\/contact\/\"><strong>contact us<\/strong><\/a> or follow us on our social networks, such as <a href=\"https:\/\/www.instagram.com\/llachserraassociats\/\" target=\"_blank\" rel=\"noopener\"><strong>Instagram<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The 7th Tribuna Llach Serra addresses access to housing for young people: mortgages, financing, public aid, and advice for buying safely.<\/p>\n","protected":false},"author":1,"featured_media":44557,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[236,244],"tags":[],"class_list":["post-102897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barcelona-en","category-llach-serra-tribunes"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/posts\/102897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/comments?post=102897"}],"version-history":[{"count":1,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/posts\/102897\/revisions"}],"predecessor-version":[{"id":102898,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/posts\/102897\/revisions\/102898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/media\/44557"}],"wp:attachment":[{"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/media?parent=102897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/categories?post=102897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.llachserra.com\/en\/wp-json\/wp\/v2\/tags?post=102897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}