Cashier has another 95 million public guarantee for young people

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Briefings

The Caixa Geral de Depósitos received a 95 million euro boost from public guarantee for housing loans to young people, raising the total public guarantee line to 2.4 billion euros. This scheme, criticized by the Banco de Portugal, was launched in late 2024 and runs until the end of 2026, with a 2027 budget extending the measure pending formalization. Young people aged 18-35 must earn under 8th tax bracket and own no other property to access the scheme, which covers urban housing transactions up to 450,000 euros with a 15% state guarantee cap.

Key points

The Caixa Geral de Depósitos received a 95 million euro increase in public guarantee for housing loans to young people, raising the total public guarantee line to 2.4 billion euros.

The scheme targets young people aged 18-35 who must earn under 8th tax bracket and own no other property to access the scheme, which covers urban housing transactions up to 450,000 euros with a 15% state guarantee cap.

Context

This is a 2026 financial policy update regarding Caixa Geral de Depósitos' public guarantee for housing loans to young people. The scheme was launched in late 2024 and runs until the end of 2026, with a 2027 budget extending the measure pending formalization. It was criticized by the Banco de Portugal.

Limitations

Evidence covers only Caixa Geral de Depósitos' public guarantee for housing loans to young people in 2026. Specifics on Banco de Portugal's criticism and Banco de Portugal's June 2026 usage statistics are mentioned but not detailed. The 2027 extension status is conditional on formalization by the finance minister.

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