3-bedroom apartment for sale in Qala

Up to €15,000 for a property in Malta, or up to €40,000 for a property in Gozo where the deed of acquisition is signed on or after 1 January 2025. Gozo properties with a deed signed before that date, where the grant has not yet been paid, receive €30,000 instead, assessed against that earlier deed date. Where the property is bought jointly, the final grant is calculated pro rata to each buyer's share.

Up to €5,824 (new-build) or up to €6,989 combined where the property is at least 15 years old at the time of application (€5,824 + €1,165 extra, rolling threshold, not a fixed cutoff year), paid in 2 instalments as a % (13.04% or 15.254%) of fiscal-receipted construction/finishing costs.

Reimbursement of 18% and/or 10% (the scheme text does not specify which rate applies in which circumstance) of eligible restoration and finishing costs, up to an aggregate maximum of €54,000 per property. Applicants may apply on multiple properties, each capped separately at €54,000, but only once per property, for expenditure incurred between 1 January 2025 and 31 December 2026.

Bank of Valletta route: loan up to €120,000, property purchase + finishing up to €140,000, shell form permitted. APS Bank route: loan up to €140,000, property must be finished and habitable. Both: Housing Authority subsidy up to €167/month on repayments (€1,600–€2,300/year by household type), plus notarial fees covered. BOV additionally covers bank processing/legal fees.