Viviendas de protección autonómica en venta en Lugo, expediente LO9-VC-0002/2026

Closes 10 Nov · 9 days leftGalicia

What it is: Purchase; You buy the home at a maximum price set by the administration.
Price: €133,301–175,812; excl. VAT
Homes: 6; 58–76 m²
How it is allocated: Lottery; Homes are assigned by a random lottery among those who meet the requirements.

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

1 person: €46,200
2 people: €61,600
3 people: €67,941
4 people: €68,955

Indicative, based on Galicia'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: 58–76 m²
Price: €133,301–175,812

Prices excl. VAT.

See the 6 homes one by one

No.	Floor · Door	Door	Type	Usable area	Price
1ºB	1º · B	B	–	57.96 m²	€133,308
1ºC	1º · C	C	–	57.87 m²	€133,301
2ºB	2º · B	B	–	57.96 m²	€133,308
2ºC	2º · C	C	–	57.87 m²	€133,301
4ºC	4º · C	C	–	75.59 m²	€173,857
4ºD	4º · D	D	–	76.44 m²	€175,812

Areas are approximate while the building is under construction.

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.

Worked out for the call's cheapest home; the others cost more.

You need saved

€43,323

Mortgage at 80%

€106,641

Price of the home: €133,301
VAT (10%): €13,330
Stamp duty (AJD), notary and registry: €3,333 (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 guarantees Check the legal maximum price

Could you afford it?

Computed for the cheapest typology (€133,301 + VAT); the other typologies cost more.

Down payment

Term

Rate

Approx. monthly payment: €506/month
Up-front savings needed: €43,323
Recommended net income: €1,445/month

What the upfront cash is made of

Down payment (20%): €26,660
VAT (10%): €13,330
Stamp duty, AJD (1.5%): €2,000
Notary, land registry and gestoría: €1,333

New build: 10% VAT, or 4% if the home is qualified as régimen especial or promoción pública. From 1 December 2026, also 4% if the rating is permanent or indefinite (Real Decreto-ley 29/2026, pending validation). Stamp duty at the general rate in Galicia. 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

Current savings (€)Saved per month (€)

You're €43,323 short: saving at that rate you'd get there in about 12 years and 1 month.

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 Lugo), 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 ↗

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

Contingents (reserved quotas)

Homes are split into quotas. The lottery runs separately within each quota, so your odds depend on yours.

General quota
Households with no special requirements.
6

Each reserve is drawn separately and, within each, by household size. If you qualify for several, you are placed in the one that gives you the best odds; you can ask to change during the objections period.

How it works and what happens next

1Be registered in the applicants' registerGo to the register →
2Submit the participation application by 10 November 2026
3Provisional lists of admitted applicants and an objections period
4Draw before a notary. The date is published on the register's website
5If selected: prove the requirements with documents within 10 working days and choose a home in draw order
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.

And afterwards

Can it be sold? Yes, at your region's maximum price and with its authorisation or visado. Selling a protected home →
Rent it out? Only with authorisation or visado and with the rent capped. Renting out a protected home →
Inherit it? It passes on with its protection: the heir does not have to qualify, but selling or renting stays controlled. Inheriting a protected home →
What if I turn it down? Declining without cause can exclude you from the register: in Navarra, three years for a purchase and two for a rental. What happens if I turn the home down →
A second-hand one? Before you make an offer, check the legal maximum price with the resale calculator. Resale calculator →

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

Checked on 30 Oct 2026 · IGVS: Adxudicacións e sorteos de vivenda protexida (Galicia)How we know

Why it looks current: Application window open (closes in 9 days).
What could change: Data can go out of date between checks.

Other offers nearby and by the same operator

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

Indicative result, not an official decision.