Housing expands the Garantía Vivienda Andalucía guarantee program by 25 million

The General Secretariat for Housing of the Regional Government of Andalusia has increased by 25 million euros the credit allocated to the Andalusia Housing Guarantee Program, which thus increases from 55 to 80 million euros. The decision was formalized through the Resolution of October 13, 2026, published in the Official Gazette of the Regional Government of Andalusia (BOJA) number 216, of November 9, 2026, on page 14543.

The program was created with Decree-law 4/2023, of May 16, which approved the regulatory bases for the granting of guarantees by the Regional Government of Andalusia to natural persons of legal age up to and including 35 years, for the purpose of financing the acquisition of their first primary residence. At that time, the financial availability was set at 20 million euros, and financial entities interested in joining as collaborators were called upon. The agreements with the eight participating entities were signed on August 18, 2023, between the then Ministry of Public Works, Territorial Articulation and Housing, the Andalusia Innovation and Development Agency, and the entities themselves.

Four expansions in three years

The instrument has grown in stages, each enabled by an order from the ministry competent in finance and subsequently distributed by resolution of the General Secretariat for Housing:

• €20,000,000 initial endowment with Decree-law 4/2023, of May 16.
• Increase of €25,000,000 by Order of the Minister of Economy, Finance and European Funds, of December 2, 2024, up to €45,000,000; in that same order, the instrument was renamed “Andalusia Housing Guarantee Financial Instrument”.
• Increase of €10,000,000 by Order of March 12, 2026, up to €55,000,000.
• Increase of €25,000,000 by Order of the Minister of Economy, Finance, European Funds and Social Dialogue, of October 2, 2026, up to the current €80,000,000.

The program was initially called the “Youth Housing Guarantee Program” and changed its name by the Resolution of January 17, 2025, of the General Secretariat for Housing, effective from January 23, 2025.

Distribution of the new tranche among the entities

The distribution of the additional 25 million was agreed upon with the entities in the monitoring commissions held on October 6 and 7, 2026, proportionally to the execution level of each, and the proposal was submitted on October 9, 2026. As of September 25, 2026, the program had executed €52,645,719.66 of the 55 million available. The total allocations are as follows:

• Caja Rural del Sur, S.C.C.: €22,987,969.33 (the largest, with 29.70% of the execution).
• CaixaBank, S.A.: €15,805,036.74 (20.35% of execution).
• Unicaja Banco, S.A.: €14,391,938.07 (18.97%).
• Cajamar Caja Rural, S.C.C.: €13,882,915.78 (17.72%).
• Caja Rural de Granada, S.C.C.: €9,620,752.16 (12.72%).
• Cajasur, S.A. (Kutxabank, S.A.): €2,461,675.40, with no increase requested.
• Ibercaja Banco, S.A.: €517,628.89.
• Banco Santander, S.A.: €332,083.64, with the agreement expired.

Mergers and exits in the map of collaborating entities

The list of entities has changed during the term of the program. Through deed 1,986 of the protocol of notary Vicente María del Arenal Otero, dated October 1, 2025, the merger by absorption of Cajasur Banco, S.A. by Kutxabank, S.A. was formalized, which already appears as the absorbing company in the allocation.

Additionally, on February 3, 2026, the agreement to terminate the collaboration agreement with Banco Santander, S.A. was signed; this entity maintains its remaining balance but is excluded from new distributions.

Effects and jurisdiction

The resolution provides that the increase and new allocations shall take effect from the date of their signature. The jurisdiction of the General Secretariat of Housing derives from the second final provision of Decree-law 4/2023 and from the third paragraph of the eighth regulatory basis, which allows for the expansion of the initial maximum amount according to the availability of the “Andalucía, business financing” line of the Andalusian Public Fund. The document is signed in Seville by the Director General of Housing, David Rodríguez López, by delegation established in the Resolution of September 5, 2026.

The expansion arrives with the program practically exhausted in almost all entities and increases the guarantee margin for mortgages for those under 35 in a context of difficult access to first homes. The jump from 20 to 80 million in three years reflects that the demand for these guarantees has exceeded all initial forecasts of the Regional Government of Andalusia (Junta de Andalucía).

Source: Official Gazette of the Regional Government of Andalusia, no. 216 of November 9, 2026, Ministry of Housing, Youth and Territorial Planning, page 14543 (official reference: BOJA26-216-00006-14543-01_00345773).