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74 VPO, Aparcamientos, Trasteros, Piscina y Local

Upcoming
Almería · Andalucía · View on the map
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What it is
Purchase
General regime. You buy the home at a maximum price set by the administration.
Price
€189,768
Homes
74
2–4 bedrooms · 60–90 m²
How it is allocated
Lottery
Homes are assigned by a random lottery among those who meet the requirements.

Looking for protected housing in Almería?

Applications haven't opened yet. We'll email you about new calls in Almería and your region.

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Open now nearby

Checked on 5 Oct 2026 · Almería XXI: promociones en ejecución y próximas (catálogo con precios)How we know
Why it looks current
Not open yet; we track it to alert you the moment it is.
What could change
Data can go out of date between checks.

Can I apply?

What this call requires. Meeting it lets you take part; the home is allocated afterwards.

  • Valid registration in the applicants' register
  • Not own another home (with exceptions)

Maximum income by household size

Any household size
€46,200

Indicative, based on Andalucía's income limits. The administration issues the official decision. The income of your last filed tax return counts, not today's payslip.

Check your eligibility

The homes

Usable area
60–90 m²
Type
2–4 bedrooms
Price
€189,768

Prices excl. VAT.

What you will actually pay

The figures the call publishes, plus what usually surprises people afterwards. For guidance: the call terms and the deed decide.

You need saved

€61,105

Mortgage at 80%

€151,814

  • Price of the home: €189,768
  • VAT (10%): €18,977
  • Stamp duty (AJD), notary and registry: €4,175 (estimate)

Banks lend at most 80% of the price, so the entry plus taxes is what you must have saved. The ICO guarantee can cover part of that entry.

See aid and guaranteesCheck the legal maximum price

Could you afford it?

Down payment
Term
Rate
Approx. monthly payment
€720/month
Up-front savings needed
€61,105
Recommended net income
€2,057/month
What the upfront cash is made of
Down payment (20%)
€37,953
VAT (10%)
€18,977
Stamp duty, AJD (1.2%)
€2,277
Notary, land registry and gestoría
€1,898

New build: 10% VAT, or 4% if the home is qualified as régimen especial or promoción pública. Stamp duty at the general rate in Andalucía. It may be lower in your case. A protected home's first sale, once definitively qualified, may be exempt from stamp duty. Notary, registry and gestoría fees are orientative.

Not there yet? Work out when you could be

You're €61,105 short: saving at that rate you'd get there in about 17 years and 0 months.

Simple calculation, no interest or price changes. Protected prices move little, but check the live call when the time comes.

Rough estimate, not financial advice or a loan offer. Confirm with your bank.

Buying aids

Help you can apply for to buy this home. Most first-time buyers don't know these exist.

  • ICO guarantee for a first home

    Mortgage guaranteeAll of Spain

    If you're up to 35, or have children in your care, and your income is under your province's cap (€37,800 a year in the province of Almería), the State guarantees up to 20% of the mortgage (25% if the home is energy-rated D or better). With that guarantee the bank can finance up to 100% of the price, so you can buy without the usual 20% down payment.

    Work out your province's cap →See and apply on the official site ↗

  • Garantía Vivienda (Junta de Andalucía)

    Mortgage guaranteeYour region

    If you're up to 40, the Junta guarantees part of your mortgage so financing reaches 95–100% of your main home. Apply directly at participating banks.

    See and apply on the official site ↗

Orientative summary. The exact conditions and deadlines are on each aid's official site, where the application is made.

How it works and what happens next

  1. 1Be registered in the applicants' registerGo to the register →
  2. 2Submit the participation application within the window
  3. 3Provisional lists of admitted applicants and an objections period
  4. 4Draw before a notary. The date is published on the register's website
  5. 5If selected: prove the requirements with documents within 10 working days and choose a home in draw order
  6. 6Sign the contract and collect the keys
  • Being on the list is not having the home: the requirements must be proven again.
  • Whoever is not allocated a home stays on the waiting list until the next similar call (two years at most).
  • Turning a home down without a justified reason removes you from the register for five years.

First time? How homes are allocated, explained in the guide →

Other offers nearby

Draw calendar →Did I win? How to check →All protected housing in this comunidad →What it really costs →

Indicative result, not an official decision.