{"id":36292,"date":"2025-03-17T11:09:33","date_gmt":"2025-03-17T09:09:33","guid":{"rendered":"https:\/\/greece20.gov.gr\/home-loans\/"},"modified":"2026-05-12T09:38:31","modified_gmt":"2026-05-12T06:38:31","slug":"home-loans","status":"publish","type":"page","link":"https:\/\/greece20.gov.gr\/en\/home-loans\/","title":{"rendered":"Housing loans"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Housing loans&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23003476&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1743415142333{margin-top: 30px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;m-b-md ls-1&#8243;][vc_column_text css=&#8221;&#8221;]The programmes <em><strong>My Home II<\/strong><\/em> and <strong><em>Upgrade my home<\/em><\/strong> are co-financed with loan resources from the Recovery and Resilience Facility and are aimed at individuals, supporting the acquisition of a first home and the energy efficiency improvement of existing residences, respectively.<\/p>\n<p>Their total budget amounts to <strong>\u20ac2.08 billion<\/strong>, consisting of \u20ac1.06 billion in RRF loan resources and \u20ac1.02 billion in bank funds.[\/vc_column_text][vc_single_image image=&#8221;38644&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;]<div class=\"porto-u-heading  wpb_custom_8260f58a058b01addea3845ba25dece5 porto-u-4791  vc_custom_1743415609992\"><div class=\"porto-u-main-heading heading-highlight\" data-appear-animation=\"highlightProgress\"><h2   style=\"color:var(--porto-light-color);\">My Home II<\/h2><\/div><style>.porto-u-4791.porto-u-heading{text-align:center}<\/style><\/div>[vc_column_text css=&#8221;&#8221;]The \u201cMy Home II\u201d programme offers <strong>financing of up to \u20ac190,000<\/strong> for the purchase of a <strong>first home<\/strong> within Greece, up to 150 m<sup>2<\/sup>, to individuals aged 25-50, based on specific eligibility criteria.<\/p>\n<p>The financing is structured as follows:<\/p>\n<ul>\n<li>50% of the loan is <strong>interest-free<\/strong>, provided by RRF<\/li>\n<li>The remaining 50% is provided by banks at a<strong> low interest rate<\/strong>.<\/li>\n<\/ul>\n<p>Additionally, a <strong>50% interest subsidy<\/strong> is available for the interest-bearing part of the loan to:<\/p>\n<ul>\n<li>Families with three or more children.<\/li>\n<li>Families with two children who acquire their first home in the municipalities of Orestiada, Didymoteicho, or Soufli, in the Evros Regional Unit.<\/li>\n<\/ul>\n<p>The loan can cover up to <strong>90% of the purchase contract value<\/strong>, with a repayment term ranging from<strong> 3 to 30 years<\/strong>.<\/p>\n<p>The total budget for the programme amounts to<strong> \u20ac2 billion<\/strong>, funded equally by the Recovery and Resilience Facility (European Union &#8211; NextGenerationEU) and banking institutions.<\/p>\n<p>The Hellenic Development Bank (HDB) is responsible for programme management.<\/p>\n<p>Applications opened on January 15, 2025, while the final date for loan contracting is August 31, 2026.<\/p>\n<p>Interested individuals must <strong>submit their application<\/strong> to a participating bank of their choice, including:<\/p>\n<ul>\n<li>Alpha Bank<\/li>\n<li>CrediaBank<\/li>\n<li>Eurobank<\/li>\n<li>National Bank of Greece<\/li>\n<li>Piraeus Bank<\/li>\n<li>Cooperative Bank of Epirus<\/li>\n<li>Cooperative Bank of Thessaly<\/li>\n<li>Cooperative Bank of Karditsa<\/li>\n<li>Cooperative Bank of Chania<\/li>\n<\/ul>\n<p>Before applying to the bank, interested individuals can verify their eligibility for the programme through the <a href=\"https:\/\/www.gov.gr\/ipiresies\/periousia-kai-phorologia\/epidoteseis-politon\/bebaiose-epileximotetas-sto-programma-spiti-mou-ii\"><strong>portal gov.gr<\/strong><\/a> by logging in with their taxisnet credentials.<\/p>\n<p>For <strong>more details<\/strong> on the process and eligibility criteria, please refer to (available only in greek):<\/p>\n<ul>\n<li>The programme\u2019s official <strong><a href=\"https:\/\/greece20.gov.gr\/?calls=stegastiko-programma-quot-spiti-moy-ii-quot\">call<\/a><\/strong> for applications<\/li>\n<li>The programme\u2019s<strong> <a href=\"https:\/\/hdb.gr\/spiti-ii\/\">webpage<\/a><\/strong> on the Hellenic Development Bank website<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"porto-u-heading  wpb_custom_8260f58a058b01addea3845ba25dece5 porto-u-7846  vc_custom_1743415546391\"><div class=\"porto-u-main-heading heading-highlight\" data-appear-animation=\"highlightProgress\"><h2   style=\"color:var(--porto-light-color);\">Upgrade my home<\/h2><\/div><style>.porto-u-7846.porto-u-heading{text-align:center}<\/style><\/div>[vc_column_text css=&#8221;&#8221;]This programme provides loans ranging from <strong>\u20ac5,000 to \u20ac25,000<\/strong>, with <strong>full interest subsidies<\/strong>, for energy efficiency improvement of existing homes.<\/p>\n<p><strong>Eligible applicants<\/strong> are individuals who hold legal ownership (full ownership, usufruct, or bare ownership) in a <strong>main or non-leased secondary residence<\/strong>, provided they have not benefited from any other EU-funded energy upgrade programme since January 1, 2020.<\/p>\n<p><strong>Eligible expenses covered by the programme:<\/strong><\/p>\n<ul>\n<li>Thermal insulation (interior\/exterior)<\/li>\n<li>Green roof construction<\/li>\n<li>Installation of energy-efficient windows\/glass panels<\/li>\n<li>Solar water heater installation<\/li>\n<li>Permanent external shading systems (excluding awnings)<\/li>\n<li>Installation of heating\/cooling systems using renewable energy sources or high-efficiency cogeneration systems (e.g., heat pumps, A+ rated inverter air conditioners)<\/li>\n<li>Thermostatic regulation systems<\/li>\n<li>Energy storage systems (batteries) for renewable energy sources<\/li>\n<li>Installation of photovoltaic stations, small wind turbines, and other renewable energy sources<\/li>\n<li>Technical consultant\/engineer fees and installation costs<\/li>\n<\/ul>\n<p>The programme\u2019s total budget is <strong>\u20ac80 million<\/strong>, of which:<\/p>\n<ul>\n<li>75% is funded by RRF<\/li>\n<li>25% is provided by participating banks<\/li>\n<\/ul>\n<p>The RRF loan carries <strong>0% interest<\/strong>, while the interest rate of the banking loan is <strong>fully subsidized by the Greek government<\/strong>.<\/p>\n<p>The Hellenic Development Bank (HDB) is responsible for programme management.<\/p>\n<p>Applications opened on February 12, 2025, and will remain open until the available budget is exhausted.<\/p>\n<p>Interested individuals must <strong>submit their application<\/strong> to a participating bank of their choice, including:<\/p>\n<ul>\n<li>Alpha Bank<\/li>\n<li>CrediaBank<\/li>\n<li>Eurobank<\/li>\n<li>National Bank of Greece<\/li>\n<li>Piraeus Bank<\/li>\n<li>Cooperative Bank of Epirus<\/li>\n<li>Cooperative Bank of Thessaly<\/li>\n<li>Cooperative Bank of Karditsa<\/li>\n<li>Cooperative Bank of Chania<\/li>\n<\/ul>\n<p>For<strong> more details<\/strong> on the process and eligibility criteria, please refer to (only available in greek):<\/p>\n<ul>\n<li>The programme\u2019s official <strong><a href=\"https:\/\/greece20.gov.gr\/?calls=programma-sygchrimatodotoymenon-stegastikon-daneion-anavathmizo-to-spiti-moy\">call<\/a><\/strong> for applications<\/li>\n<li>The programme\u2019s <strong><a href=\"https:\/\/hdb.gr\/anavathmizo-to-spiti-mou\/\">webpage<\/a><\/strong> on the Hellenic Development Bank website<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;Housing loans&#8221; font_container=&#8221;tag:h2|text_align:left|color:%23003476&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1743415142333{margin-top: 30px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;m-b-md ls-1&#8243;][vc_column_text css=&#8221;&#8221;]The programmes My Home II and Upgrade my home are co-financed with loan resources from the Recovery and Resilience Facility and are aimed at individuals, supporting the acquisition of a first home and the energy efficiency improvement of existing residences, respectively. Their total [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-36292","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/pages\/36292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/comments?post=36292"}],"version-history":[{"count":17,"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/pages\/36292\/revisions"}],"predecessor-version":[{"id":40394,"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/pages\/36292\/revisions\/40394"}],"wp:attachment":[{"href":"https:\/\/greece20.gov.gr\/en\/wp-json\/wp\/v2\/media?parent=36292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}