• Mortgage guarantee scheme

    Facilitates access to mortgage loans for low-income households

    Guarantees for “social homeowning loans” and 0 % mortgages managed by SGFGAS on behalf of the State, reduce the risk of lenders and allows borrowers to access the personalized housing benefits scheme (APL).

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  • 0% mortgage

    Helping low-income households for their first home purchase

    SGFGAS provides services to banks to distribute the 0 % mortgages, and to receive State compensation for the lack of interest and grace period which borrowers benefit from.

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  • 0% Eco-Loan

    Finances energy-saving works in existing properties

    SGFGAS provides services to banks to distribute the 0 % loans, including co-ownerships an non-profit associations, and to receive State compensation for the lack of interest and grace period which borrowers benefit from.

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  • Home Savings programs

    Access to preset saving and loan rates

    The savings accounts and plans offer stable, preset returns and, when buying or renovating a property, access to loans and a State cash bonus. SGFGAS is tasked by the State with monitoring the schemes, collating data and providing assistance to banks.

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