On 15 September, the Spanish government announced a new package of measures designed to make housing more accessible for young people. One of the key initiatives is a new aid of almost €30,000 for rent-to-buy schemes.
Rent-to-buy schemes and rental default insurance
These measures are part of the upcoming State Housing Plan 2026–2030, which aims to make housing more affordable and secure for young residents across Spain.
Young people under 35 who participate in a rent-to-buy scheme could have the amount they receive deducted from the final purchase price. Essentially, the rent paid acts as an advance on the eventual sale of the property.
Because these properties are permanently protected, their price is capped and cannot be freely set by the seller. If the home is sold in the future, it must be at a regulated price and only to someone meeting the same eligibility criteria as the previous owner.
This approach is intended to protect state-funded housing from speculation and keep it affordable.
Rental default insurance for young tenants
The government also confirmed that rental default insurance for young people will be introduced soon. This scheme will provide security for landlords and tenants, ensuring that rent is paid and that young tenants can access housing more easily.
Currently, the insurance will cover rents that do not exceed 50% of the net income of the household named in the contract.
Grants for rural homebuyers
There will also be grants of around €10,800 for purchasing homes in rural areas, covering up to 20% of the property price. The property must be located in a municipality with fewer than 10,000 inhabitants. This initiative encourages young people to settle in less populated areas.
Increased regional funding
Spain’s government will triple the budget it transfers to regional authorities for housing if they commit to promoting publicly protected housing. Regions that match the government’s investment could benefit from a total of €7 billion over the next five years as part of the National Housing Plan.
The measures form part of broader efforts to tackle the housing crisis in Spain, reduce rental costs, and ensure that young people can access safe and affordable housing.
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