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How the state guarantee will work for young people who buy a house

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Reverse the trend of a strong and worrying demographic imbalance in the country. How? Helping young people. The solution, which should be part of an upcoming provision to support companies overwhelmed by the crisis, and which will largely be financed with the 40 billion envisaged by the last budget request approved by parliament, is to put the under 35 in the conditions of buying a home more easily. In fact, an advance will no longer be needed to open a mortgage, the state will take care of it as guarantor. A solution in support of young people that joins those provided by the Italian Recovery plan in favor of this target of the population (from the single check to the program for the strengthening of nursery schools and social housing).

The timing of the new decree

The measure should be added, it is still to be written in detail, to the tax relief on the opening of loans for the purchase of the first home for the youngest announced a few days ago with the Economic and Financial Document. However, it is possible that some more time is needed for the new decree, which will serve to give breath to the activities blocked by the anti-Covid closures: with the offices concentrated on closing the Recovery Plan it is difficult in fact that the text is ready for arrive on the table of the Council of Ministers already this week, more likely to be postponed to the next one.

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Resources

And therefore the resources necessary to start the measure are still to be estimated. Two years ago, the Growth decree had put 100 million to finance the first home fund for young couples which offered state guarantees, in the amount of 50%, to the loans granted for the purchase or renovation.

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Three pillars: adequate welfare, home and safe work

“Adequate welfare, a home and a safe job” are the three pillars on which one can and must build in a different country for the new generations, Draghi highlighted, on the occasion of the intervention in the Chamber for the presentation of the Plan national recovery and resilience. And here is the promise of “social infrastructures and social housing”, more nursery schools, but also a push with 600 million to the dual training system to make “education and training systems more in line with the labor market”. Finally, space for sport (one billion for gyms) and also for the civil service with 650 million in two years and incentives for entrepreneurial activities in the tourism sector.

In 2020, the lowest number of births from the unification of Italy

In a recent report on the behavior and opinions of citizens during the second pandemic wave (December 2020-January 2021), Istat highlighted that more than a fifth of the population (22.2%) had difficulty in dealing with their own financial commitments, from paying mortgages, bills, rent to meal expenses), while 50.5% believe that the country’s economic situation will worsen. The solution outlined by Draghi also aims to put a stop to the demographic knot, which sees Italy in a situation of demographic imbalance, with an increasingly elderly population. In 2020 there was a new historical low of births from the unification of Italy, an all-time high of deaths since the Second World War and a strong reduction in migratory movements. The number of marriages celebrated has collapsed: 96,687, -47.5% on 2019 (-68.1% religious marriages and -29% those with a civil ceremony).

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