The decision concerns the calculation of the square footage of eligible properties, specifically the definition of what constitutes an “annex – accessory” of a property, an issue that had previously created ambiguities and differing interpretations, particularly in the case of single-family homes.
Under the original framework, the program stipulated that the financed property must constitute a single, independent horizontal ownership unit or a single-family house, with a maximum area of 150 square meters. The decision also specified that square meters recorded in the contract as “annexes – accessories,” such as storage rooms or parking spaces, would not be included in the area calculation.
However, while this wording was clear regarding horizontal ownership units, it left room for doubt concerning single-family homes. In practice, many applicants and real estate professionals observed that there was no clear guidance on which areas of a single-family home could be considered auxiliary and therefore excluded from the 150 sq.m. limit. This resulted in varying interpretations by banks, notaries, and engineers, creating uncertainty for potential beneficiaries of the program.
The new decision, issued in January 2026, addresses this gap. The amendment does not change the fundamental eligibility criteria but adds a third paragraph to the same provision to explicitly clarify the meaning of “annex – accessory,” particularly for single-family homes. It now specifies that spaces explicitly described as auxiliary in the property contract are included in this definition.
Specifically, excluded spaces now include storage rooms, parking spaces, boiler rooms, and other related auxiliary areas, provided they are explicitly referenced as such in the notarized documents. In this way, the legislator broadens and clarifies the definition of areas that are not counted toward the 150-square-meter maximum.
