When do you have enough for a first home?

How we calculate

The ASP account is a savings account for first-home buyers. When you save the agreed amount, the bank promises to lend the rest and pays a bonus rate on your savings. The condition is that you save at least 10 % of the home price as your own share. This calculator shows when that 10 % is ready at the monthly deposit you choose.

At least 20 monthly deposits

From 1.6.2026 the deposits are monthly: you deposit 50-1 500 euros a month, and at least 20 accepted monthly deposits are needed. Even if you save a large sum fast, the ASP condition is met at the earliest after 20 months.

The state guarantee cuts the need for extra collateral

The free state guarantee for the ASP loan reaches 90 % of the home price. The state liability is at most 25 % of the loan principal, never more than 60 000 euros. In practice this replaces part of the extra collateral you would otherwise need on top of the home.