• Loan amount: up to €16,800, depending on the incentive category
• Interest rate: fixed 6.50%, subsidized by 100%, plus the contribution of Law 128/75*
• Loan duration: 4, 5, or 6 years
• Advance payment option: 70% of the loan amount
• Νο real estate mortgage
• Coverage of the cost of managing the loan file of potential program beneficiaries.
• For the first category of income criteria, the possibility of a State guarantee is provided, which will cover 100% of the loan amount for owner-occupied residency and 80% for rent/free concession.

*The contribution of Law 128/75, which amounts to 0.12%, is paid by the beneficiary.

To be considered eligible, a dwelling must meet the following general conditions:

• used as a primary residence
• exists legally
• is classified in a category lower than or equal to category C
• has not been found to be demolishable

Eligible housing is a single-family house, an apartment block, and an individual apartment. The program provides incentives for energy retrofit interventions in aprtment blocks  with individual apartment applications, including shared and non-shared interventions.

Under the program, there are two types of applications:

1. Application for an Individual Apartment or Single-Family House
2. Apartment block application, including applications of apartments as part of an apartment block application

Eligible interventions are based on the recommendations of the Energy Inspector during the energy audit process and relate exclusively to the following categories:

• replacement of frames/shading/ventilation systems
• installation/upgrade of thermal insulation
• heating/cooling system upgrade
• hot water system with the use of Renewable Energy Sources
• other energy-saving interventions (smart home management systems, upgrading the lighting of common areas of the building)

The maximum cost of interventions for a detached house/individual apartment/individual apartment in a block of flats is €28.000.

Only natural persons are eligible to participate in the "Exoikonomo 2021" program that:

• have full ownership/usufruct/bare ownership in 2020 & at the time of application to an eligible dwelling 
• meet the income criteria for the categories listed in the table below:

The Total Declared Income, Exempt, and Self-taxable income and the Added Difference in Object Expenditure of all members of the applicant's family are counted towards the annual individual or family income. These incomes are derived from the Tax Determination Act of the cleared 2021 tax year return.

For apartment block applications, when all of the millimeters of the block participate, an additional grant of +10% is provided on the projected grant rate of each participating apartment.

Applications for participation* in the "Exoikonomo 2021" program and loan applications must be submitted only electronically through the Information System (IS) of the official website of the program [ https://exoikonomo2021.gov.gr/ ].

Please note that the possibility to apply to the program is only available to natural persons who are certified through the TAXISnet application and have access codes to it.

Through the IS, you will be able to:

• manage your applications
• post the required supporting documents online
• be kept informed of the progress of your request, as well as of the actions required on your part and the corresponding deadlines for their processing.

In addition, for the application and project monitoring, you can use a project consultant, whose costs are covered directly by the program after completing the interventions and achieving the energy target.

*The procedure for submitting requests through the Information Systems of the program’s official internet site has now closed.

For more information, you can visit the official website of the "Exoikonomo 2021" Programme: https://exoikonomo2021.gov.gr/.

Get more detailed information from the Program Implementation Guide.

With this program, you can upgrade your home energy-wise with:

• a grant of up to 75% of the final eligible intervention budget,
• Coverage:
  
  • the cost of the two energy audits and the registration of the Intervention Proposal and the Intervention Log
  • the fee for the preparation of the Electronic Identity of Building/Permanent Property
  • of the project consultant's fee
  • the fees for any permits/approvals or studies required by the legislation in force for the implementation of interventions
  • the cost of administering the loan file of potential beneficiaries of the program 
• 100% interest rate subsidy if you receive a loan to cover your private participation.

The minimum energy target requires a mandatory upgrade by at least three (3) energy categories, compared to the A' class's classification, for all types of applications (individual apartments, single-family houses, apartment blocks).

Grant rates refer to the eligible budget for interventions.
For the remaining percentage up to 100% of the eligible intervention budget, a loan with an interest rate subsidy may be granted upon the beneficiary's request.