Spiti mou 3: Greece's new programme for your first home
Low-rate mortgages for young people and families, with €2 billion through the Hellenic Development Bank. Register your interest and we'll check whether you qualify and prepare your file, so you can apply as soon as the platform opens.
Nothing to pay, no commitment. We'll tell you when the official call is out.
The programme at a glance
€230,000
maximum loan
€300,000
maximum property value
90%
of the value financed
55
years, the new age limit
€2 bn
total budget
+€7,000
income limit per child
Who can apply
Aged up to 55
Up from 50 under Spiti mou 2; from 25, according to reports.
Buying a first home
For people who don't already own a home that suits them, as in the previous rounds.
Minimum income €10,000
The same for everyone: single, married, civil partners and single parents.
Maximum household income
The limits go up, and each child adds €7,000 instead of €5,000. See the table below.
Income limits
Annual household income, as announced so far:
| Household | Up to |
|---|---|
| Single or divorced, no children | €25,000 |
| Couple (married or civil partnership) | €35,000 |
| Couple with 1 child | €42,000 |
| Couple with 2 children | €49,000 |
| Couple with 3 children | €56,000 |
| Single parent with 1 child | €39,000 |
| Each additional child | +€7,000 |
The minimum income is €10,000 for every household type.
Which home you can buy
Worth up to €300,000
Market value of the property, up from €250,000 under Spiti mou 2.
Loan up to €230,000
And up to 90% of the property's value, up from €190,000 in the last round.
Up to 150 m²
Large families get 10 m² more for each child after the fourth.
Built up to 2007
The age limit stays (2020 for people with disabilities); newer homes are being considered.
What about the interest rate?
How the rate will be lowered hasn't been finalised. Of the €2 billion, €500 million comes from the Recovery Fund, €500 million from the Hellenic Development Bank and €1 billion from the banks. Reports mention either part of the loan interest-free from the State, as in previous rounds, or tax incentives for banks to offer lower rates. We'll let you know as soon as the joint ministerial decision is published.
What changes from Spiti mou 2
| Spiti mou 2 | Spiti mou 3 | |
|---|---|---|
| Maximum loan | €190,000 | €230,000 |
| Maximum property value | €250,000 | €300,000 |
| Age limit | 50 | 55 |
| Income per child | +€5,000 | +€7,000 |
| Financing | up to 90% | up to 90% |
| Year built | up to 2007 | up to 2007 |
How we get you ready
We check you qualify
Age, income, family status and the property, before applications open.
We prepare your documents
Tax return, assessment, E9 and anything else needed, uploaded from your phone.
You get pre-approved
You know how much you can borrow before you find a home.
We apply on day one
With your file ready, through the partner banks that take part in the programme.
Spiti mou 3: frequently asked questions
When do applications open?
The government has announced a 2027 start; reports point to late December 2026 or early January 2027. Register your interest and we'll tell you as soon as the platform opens.
Can I apply now?
Not to the programme itself yet. But you can already check whether you qualify, gather your documents and get pre-approved, so you can apply on day one.
What if I don't qualify?
We compare the mortgage programmes of our five partner banks for you, many of which have special terms for first homes and young buyers.
Does your help cost anything?
No. Our service is free for you, and you're not committed to anything until you sign.
Are these limits final?
Not yet. The limits on this page are based on the announcements and press reports of September 2026. The final terms will be set by a joint ministerial decision, and we'll update this page.
Want to be among the first?
Register your interest in a few minutes. We'll check whether you qualify and let you know as soon as applications open.