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Upgrade my home
For energy interventions in your home made easy, with the guidance of National Bank of Greece and co-financing of the Recovery & Resilience Fund.
NBG is participating in the new co-financed program "Upgrade my home" for energy interventions in homes with the participation of the Recovery & Resilience Fund by 75% under Law 4820/2021 (Article 197A) and Joint Ministerial Decision 190078/2024 (Government Gazette 6896/B/2024).
Upgrade your home with energy interventions and the support of National Bank of Greece!
For example, you can:
- Be funded for the entire amount of the works, from €5,000 up to €25,000
- Benefit from an interest free loan without any fees
- Complete repayment within 3 to 7 years
- Disburse quickly, as no collateral is required
You can also
Get additional financing with:
- EXPRESS personal loan, through the branch network, with exemption from the one-off charge and reduced interest rate (by 2 points)
- “ESTIA RENOVATION” repair loan without collateral, with exemption from the one-off charge and reduced interest rate (by 1 percentage point)
"Upgrading my House" managed by Hellenic Development Bank S.A. is implemented under the Loan Programme of the Recovery and Resilience Fund with the funding of the European Union-NextGenerationEU.
In brief:
- Up to €25,000
- Full interest subsidy for all
- With no collateral
Before you start
- The required documents
We’ll need your ID or passport or residence permit, depending on your nationality. - Proof of your income
We’ll need a tax clearance certificate from the last year and supporting documentation evidencing your employment (payslip or VAT Returns/receipts evidencing provision of services). - Required Program documentation
See here the full list of documentation. In order to better prepare for the process, please find here the table of budgeted works, which you should present duly completed and signed by a civil engineer.
How to apply
Have any questions?
You can finance up to 100% of the cost for the implementation of energy interventions, up to a maximum of €25,000 (minimum of €5.000).
The interest rate on the "Upgrade My Home" loan is fully subsidized, so the loan is interest-free.
The loan is also exempt from the levy under Law 128/75 (currently 0.12%)
The loan term may be from 3 to 7 years.
What does the "Upgrade my home" loan concern?
The "Upgrade my home" loan concerns the upgrade of your home through energy interventions. Specifically, you can be funded for:
- Thermal insulation (internal/external)
- Installation of a green roof
- Installation of energy saving window frames-panels
- Installation of solar water heater
- Installation of external permanent shading systems (not awnings)
- Installation of a heating-cooling system, exclusively with RES or with a high efficiency combined heat and power system (e.g. heat pump, inverter air conditioners class A+)
- Installation of thermostatic regulation systems
- Installation of an energy storage system (batteries) from RES
- Installation of photovoltaics, wind turbines or other RES
- Works/Services of Technical Consultant-Engineer
VAT is an eligible expenditure under the Program and is included in the loan amount.
Financed interventions must be implemented and tax documents must have been issued at a time subsequent to the date of inclusion in the Program.
- You should sign the loan agreement within 60 days of your inclusion in the Program.
- In addition, within 18 months from the signing of the loan agreement, you’ll need to have carried out the interventions financed in the context of the Program.
You can submit your application at the NBG branch that suits you best.
The application must be accompanied by the Program supporting documents (electricity supply number, building permit, property ownership title, E1 tax form). Once the eligibility conditions have been met, your credit standing is then assessed.
For your convenience, book an appointment online easily and quickly, by clicking here.
The loan is repaid in monthly amortization instalments, with the first repayment being made one month after disbursement. Payments are automatically collected every month, on the same date, from the NBG account you have designated to NBG for this purpose.
The loan can be disbursed in one lump sum or in instalments.
If you have an NBG debit or credit card and are enrolled in the go4more reward program, you earn Go For More points every time you pay your instalment on time.
To update your details you only need Internet Banking login credentials. Through the eGov-KYC service, you can change your income, contact, address and occupation details or upload the corresponding supporting documents.
Otherwise, you can visit a Branch to report any change in your details. Find out about the necessary documents in the form: “ Have you introduced yourselves? If not ... Do it now".
Every month we'll send you the notification to the address you've registered with the Bank. If for any reason beyond the Bank’s control the statement is not delivered to you, the instalment will nevertheless still be due for collection, as required under the loan contract. For any questions you can contact your NBG Branch.
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Our highly trained team is waiting to answer any questions you may have, in person or by phone.
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