You do not need to apply for the government guarantee separately. Instead, it is granted at the bank in connection with granting the housing loan. There are no statutory restrictions on income or assets related to the government guarantee. However, the bank granting the loan decides whether the borrower’s solvency is sufficient in relation to the housing loan they are applying for. You only need to agree on applying the guarantee to the housing loan together with the bank in connection with drafting the loan documents.