If you are a beneficiary of Law 104, you know just how important it is to have a home that fully meets your needs. However, you’re also aware of the high costs involved in purchasing or renovating a property. Fortunately, there is a financial benefit designed to help you adapt your home to your specific requirements: the Plafond Casa.
This special financing option, made possible through an agreement between Cassa Depositi e Prestiti and the Italian Banking Association, allows individuals covered by Law 104 to apply for a mortgage under favorable conditions. It can be used for purchasing or renovating your first home, with particular advantages for properties that ensure high energy efficiency.
In this article, you’ll find all the details on how to apply for a mortgage under Law 104, the available benefits, the eligibility requirements, and the steps you need to follow to obtain it.
Subsidized Mortgage and Law 104 – What Are the Benefits of Plafond Casa?
The Plafond Casa represents a great opportunity for individuals who are beneficiaries of Law 104—or for households that include a person covered by Law 104—who wish to apply for a mortgage or loan to purchase or renovate their first home.
The main benefits available under the Law 104 mortgage include:
• Up to €100,000 in financing for renovations aimed at improving the property’s energy efficiency class.
• Up to €250,000 in financing for the purchase of new properties with an energy efficiency rating of A, B, or C, provided the property is used as a primary residence.
• Up to €350,000 in financing for the purchase and simultaneous renovation of a residential property, with the goal of increasing its energy efficiency.
Applicants can request either a fixed-rate or variable-rate mortgage—typically with particularly favorable interest rates, lower than market averages—for a term between 20 and 30 years. Loan terms, instead, are generally limited to 10 years.
Those who qualify are also entitled to tax benefits when purchasing a property, such as a reduced VAT rate (from 10% down to 4%) and total or partial exemption from registration, substitute, mortgage, cadastral, and stamp duties.
Who Can Apply for Plafond Casa?
The Plafond Casa is not reserved exclusively for individuals with Law 104. It is also available to other categories of applicants, including:
• Young couples, where one partner is up to 35 years old and the other up to 40, married or cohabiting for at least 2 years.
• Families with a disabled member, as defined by the criteria set out in Law 104.
• Large families, with three or more dependent children.
There are also specific criteria relating to the property to be purchased or renovated:
• It must be a residential property for housing purposes (preferably the applicant’s primary residence).
• For renovation loans, the project must include improvements in energy efficiency.
• For property purchases, the home must fall within energy class A, B, or C.
If you meet these requirements, you can apply for a subsidized mortgage through one of the participating banks. However, keep in mind that access to Plafond Casa is subject to fund availability, and banks are not obliged to grant mortgages under this scheme.
How to Apply for a Subsidized Mortgage Under Law 104
If you meet the requirements to obtain a loan or mortgage under Law 104, you’ll need to follow a few key steps to submit your application.
First, choose a bank that participates in the initiative promoted by Cassa Depositi e Prestiti. The bank will then offer you a mortgage at favorable conditions.
Next, submit your application by filling out the form available at the bank’s branches. You’ll need to indicate the purpose of the mortgage, the desired amount, the term, and the type of interest rate. Be sure to attach the required documentation, including:
• Official documentation certifying the disability condition.
• Proof of family status (stato di famiglia certificate).
The bank will then review your request and inform you of the outcome.
If you’re interested in applying for a mortgage with the benefits granted to Law 104 beneficiaries, it’s important to act quickly, as resources are limited.
At Hasamia, we collaborate with some of the most prestigious credit brokerage firms nationwide to ensure you access the best financial solution on the market—perfectly tailored to your needs.
Contact us today and start turning your dream into reality.
