You can now have your own home without a down payment: what you need to do to apply and be a beneficiary

The National Savings Fund will finance 100% of the credit to access a home. Photo: National Savings Fund.

You can now have your own home without a down payment: what you need to do to apply and be a beneficiary

TL;DR

  • The FNA now offers housing finance covering 100% of the value for social (VIS) and priority interest (VIP) housing.
  • This eliminates the traditional requirement for a down payment (10%-30%) for these housing categories.
  • Eligibility requires active affiliation with the FNA through transferred severance pay or voluntary savings.
  • Applicants must demonstrate payment capacity and good financial behavior.
  • This new policy is set to be available starting in 2026.

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