Family wealth: when it gets the grant refused
Independent site: not the Ministry of Education
Enter the cadastral value of property other than your home, the year it was last revalued and your savings income: you will see the sum of percentages the Ministry checks.
Example, not your result yet· change a figure to see yours
Sum of wealth percentages
51.4%
Below 100%: wealth does not block the grant.
| Urban property | 35.6% |
| Investment income | 15.8% |
| Cadastral coefficient applied | 0.28 |
RD 179/2026 limits: €47,200 for urban property (after the coefficient), €14,450 of rural land per member, €1,900 of investment income.
Prepared by Radif Partners · Method · Figures re-read in the BOE and the call on 8 November 2026
Spain's general study grant is refused, whatever the income, when family wealth exceeds the limits in article 11 of Royal Decree 179/2026, repeated in article 20 of the call. The limits are €47,200 of cadastral value in urban property excluding the main home, a further €47,200 in buildings on rural land, €14,450 of rural land per counted member and €1,900 of investment income plus capital gains. The cadastral value of urban property is not taken as it stands: it is multiplied by a coefficient based on the year of the last cadastral revaluation, from 0.49 for revaluations between 1990 and 2002 to 0.29 for 2025. When the family holds several items, the share of its limit each one uses is worked out and the shares are added: above 100 there is no grant. The grant is also refused if family businesses turn over more than €172,000. Assets of members who are not main earners count at half value.
The four limits and the sum of percentages
Article 11 of Royal Decree 179/2026 sets four wealth limits, valued at 31 December 2025 across all counted members. Each item becomes a percentage of its limit and the percentages are added up. With an inherited flat of €120,000 cadastral value revalued in 2008 and €600 of interest, the total is 95.1%: below 100%, so wealth does not block the grant.
| Item | Limit |
|---|---|
| Urban property excluding the main home (after the coefficient) | €47,200 |
| Buildings on rural land (after the coefficient) | €47,200 |
| Rural land, per counted member | €14,450 |
| Investment income and capital gains | €1,900 |
| Business turnover (outside the sum) | €172,000 |
Your sum of percentages
Example, not your result yet· change a figure to see yours
Sum of wealth percentages
51.4%
| Urban property | 35.6% |
| Investment income | 15.8% |
| Cadastral coefficient applied | 0.28 |
The cadastral coefficient
A flat's cadastral value depends on when its municipality was last revalued. To even out towns revalued in different years, the call multiplies that value by a coefficient before comparing it with €47,200. In Navarre the coefficient is always 0.50. The year is shown on the Cadastre e-office.
| Year of last revaluation | Coefficient |
|---|---|
| 1990-2002 | 0.49 |
| 2003 | 0.43 |
| 2004 | 0.37 |
| 2005 | 0.3 |
| 2006 | 0.26 |
| 2007-2008 | 0.25 |
| 2009 | 0.26 |
| 2010 | 0.28 |
| 2011 | 0.3 |
| 2012 | 0.32 |
| 2013 | 0.34 |
| 2014-2021 | 0.36 |
| 2022 | 0.35 |
| 2023 | 0.34 |
| 2024 | 0.33 |
| 2025 | 0.29 |
Family businesses
There is a separate limit outside the sum: if the family's business income, under direct or simplified assessment, or members' shares in entities without legal personality, exceed €172,000, the grant is refused even if the business makes a loss. It is a turnover figure, not a profit figure.
If you are refused on wealth grounds
It is one of the most common reasons for refusal and usually comes from a property the family had forgotten, an undivided inheritance or a wrongly applied coefficient. The notice states the reason; if the data is wrong, it is corrected through a substantiated objection. The steps are on the refused grant page, and family income has its own calculator.
What is left out, and the reference date
Everything is valued at 31 December 2025. The investment income limit leaves out grants to buy, renovate or rent the main home, cash prizes up to €1,500, the Youth Culture Voucher and aid for the La Palma eruption or the 2024 floods. For rural land the limit grows with the household: with four members it is €57,800, so a plot with a cadastral value of €20,000 uses 34.6% of that limit. Assets held by a sibling or grandparent who is a counted member enter at half their value, as with income.