Exoikonomo 2023 Programme

Get financing at favourable rate to upgrade the energy efficiency of your home,
increase its commercial value, adopt a greener and
more cost-efficient way of life.

Loans
Home improvement
Exoikonomo 2023 Programme

100% subsidised interest rate

The interest rate is fixed, at 6.50%. However, the interest is 100% subsidised through the programme, so you only pay the Law 128/75 levy (0.12%).

Up to 75% capital subsidy

Receive a state-funded loan amounting to 75% of the project budget for the works you’ll be carrying out in your home.

Greek-state guarantee

Secure a guarantee from the Greek state if your personal income is ≤ €5,000 or your family income is ≤ €10,000.

Up to €13,500 for 4, 5 or 6 years Secure up to €13,500 financing, based on the incentive category. Repay the loan in 4, 5 or 6 years, depending on your needs and profile.
Up to 100% of the remaining value Provided you participate in the programme, you may receive a loan for up to 100% of the amount you’ll be contributing for the energy upgrade works.
0€ for fees and expenses You don’t pay any fees for the energy inspector, technical advisor, electronic identity card and designs, or any loan application expenses.
Collateral-free Receive financing without needing to place a mortgage lien on property to secure the loan.

View the detailed process

You may only file your participation and loan application for the Exoikonomo 2023 Programme online, exclusively through the programme information system. The deadline to apply for Exoikonomo 2023 has expired.

VIEW THE PROCESS

What else you need to know

Conditions apply for the property

To receive financing through the Exoikonomo 2023 Programme, the property must:

• Be used as a main residence.

• Have a legal permit.

• Not have been marked for demolition.

• Classified at least under category C or lower, based on the Energy Performance Certificate.

What else you need to know

Benefits for the Alpha Green Solutions for the Home

If you are a programme beneficiary, you enjoy benefits for the Alpha Green Solutions for the Home personal loan:

• 8.75% fixed interest rate.

• Zero loan application fees.

This way, you may finance any interventions considered non-eligible under the programme for you main residence or another property you own.

What else you need to know

Financing for specific works

• Replacing window frames.

• Installing or upgrading thermal insulation.

• Upgrading the heating or cooling system.

• Installing a hot-water system from renewable energy sources (RES).

• Carrying out other energy-saving or energy-autonomy interventions.

What else you need to know

Subsidy percentage for owner occupancy

• 75% – personal income ≤ €5,000 / family income ≤ €10.000

• 70% – personal income > €5,000-€10,000 / family income > €10,000-€20,000

• 55% – personal income > €10,000-€20,000 / family income > €20,000-€30,000

• 45% – personal income > €20,000-€30,000 / family income > €30,000-€40,000

• 40% – personal income > €30,000 / family income > €40,000

What else you need to know

Subsidy percentage for renting or free concession to a third party

• 65% – personal income ≤ €5,000 / family income ≤ €10.000

• 60% – personal income > €5,000-€10,000 / family income > €10,000-€20,000

• 45% – personal income > €10,000-€20,000 / family income > €20,000-€30,000

• 40% – personal income > €20,000-€30,000 / family income > €30,000-€40,000

• 40% – personal income > €30,000 / family income > €40,000

Find additional information about Exoikonomo 2023

To find out more about the Exoikonomo 2023 Programme, visit the official website of the:

Get an Exoikonomo 2023 loan

Contact

Fill in the form to contact us.

Fill in the form

Additional information

Call the special customer service line on +30 211 109 7000.

The Programme is part of the Greece 2.0 National Recovery and Resilience Plan, funded by the European Union – NextGenerationEU.

Φάσα Λογοτύπων Εξικονομώ 2021

“Spiti mou” co-financed mortgage loan

Alpha Residence mortgage loan

Alpha Residence Renovation

FAQs

What are the deadlines for the programme?

The applications were filed in 2 rounds:

Round 1, for all income categories – 12.06.2023 to 15.06.2023.
Round 2, exclusively for income category 1 – 07.02.2024 to 29.03.2024.

What supporting documents do I need for the Exoikonomo 2023 loan?

Provided you have been included in the programme and have chosen to cover your participation with a loan, you need supporting documents for the loan pre-approval.

For salaried employees or pensioners

Current ID card or passport
Income tax clearance certificate for the last year from IAPR.
Latest payroll slip or monthly pension slip
Residence and work permit, for foreigners

For freelancers or company partners/shareholders:

Current ID card or passport
Income tax clearance certificate for the last 2 years from IAPR – 2separate documents
Insurance clearance certificate
Residence and work permit, for foreigners

Unemployed

Current ID card or passport
Income tax clearance certificate for the last year

How do I pay my loan instalment?

We collect the loan instalments from the account you have registered with us.

Exoikonomo 2023 Programme

What you get

View the detailed process

What else you need to know

What else you need to know

What else you need to know

What else you need to know

What else you need to know

Find additional information about Exoikonomo 2023

Get an Exoikonomo 2023 loan

Find other solutions for your home

FAQs

What are the deadlines for the programme?

What supporting documents do I need for the Exoikonomo 2023 loan?

How do I pay my loan instalment?