Italian housing instruments operate at different levels. PINQuA awards were made to named public proposers/beneficiaries; public authority remains responsible for funded works and programme rules. The Consap Fondo Prima Casa guarantee is a personal mortgage channel for an eligible citizen buying a principal residence. CDP housing funds invest through institutional real-estate funds/SGRs. These routes do not collapse into a generic “group applicant”: distinguish (1) public authority applicant/asset owner, (2) project company/cooperative/operator and borrower, and (3) member or household buying/occupying a home. A partnership agreement or local procurement may connect them but does not transfer eligibility automatically.