Plafond Casa is called the specific guarantee loan (target funding ceiling) made available by Cassa Depositi e Prestiti for the disbursement, through banks belonging to the agreement between CDP and ABI (Italian Banking Association), of mortgage loans to certain categories of natural persons for the purchase of residential properties, with priority for the main houses (second homes may also be purchased), and / or for renovations with increased energy efficiency.
The family loan of which at least one disabled person (benefiting from Law 104/1992), but also young couples (under 40, with at least one of the two members of the age) can take advantage of the subsidized loan at fixed or variable rates. less than 35 years that have constituted a family unit for at least 2 years) and large families with at least 3 dependent children.
The amount of the loan that can be disbursed is up to 100 thousand euros for restructuring operations with an increase in energy efficiency; up to 250 thousand euros for the purchase of residential properties; up to 350 thousand euros for joint purchase and renovation operations with increasing energy efficiency on the same dwelling.
The duration of the loan is 10 years for renovations with increased energy efficiency; 20 years for the purchase of the dwelling with or without renovation; 30 years for the purchase of the dwelling with or without renovation.
Interested parties may apply to one of the CDP-ABI member banks that use CDP’s purpose funding to grant mortgages for purchase and / or restructuring. These include: Banca Nazionale Del Lavoro SpA; Banca Monte Dei Paschi Di Siena SpA; Unicredit SpA; Intesa Sanpalolo SpA; Banca Sella SpA, and in any case, even if your bank is not among them, it is advisable to ask if it has joined the Plafond Casa convention.