With this program you can upgrade the energy efficiency of your home with:

• a subsidy between 50% and 100% (depending on the category the Beneficiary falls under) of the final eligible intervention budget,
• coverage for:
  • the cost of the two energy inspections and the registration of the Intervention Proposal and the Recording of Interventions
  • the fee for the preparation of the Building/Divided Property Electronic ID
  • the fee of the Technical advisor
  • the fee for any issuance of permits/certificates/approvals or for the preparation of studies required by the applicable legislation for implementing interventions
  • loan file management fees for the prospective beneficiaries of the program
• Option to obtain a loan – if you fall under the 2nd income category – to cover your personally funded participation.
  • 100% subsidy on the interest rate
  • no fee for the review of your loan request

The beneficiaries that fall under the 1st income category of the Program undertake the payment of the remaining amount (personally funded participation) exclusively through their own funds, while the beneficiaries under the 2nd income category can 
A) with own funds
B) with a loan 
or a combination of the above.

• Loan amount: up to €17,500
• Interest rate:  7.50%* fixed. 100% subsidy on the interest rate throughout the loan term 
• Loan term 4, 5, or 6 years
• Advance payment: 70% of the loan amount
• Without mortgage prenotation
• Coverage of loan file management fees for the prospective beneficiaries of the Program.

* The levy under Law 128/75, which amounts to 0.12%, is added to the interest rate and is incurred by the Beneficiary.

A residential property, to be considered eligible, must

• be used as the main residence of the beneficiary
• exist legally
• have been classified, as per the First Energy Efficiency Certificate, in an energy efficiency category lower than or equal to C
• not have been deemed subject to demolition

Both detached houses and apartments are eligible residential properties. 

The eligible interventions arise on the basis of the recommendations of the Energy Inspector during the energy inspection process and concern exclusively the following categories:

• replacement of window frames/shading/ventilation systems
• installation/upgrade of thermal insulation
• heating/cooling system upgrade
• hot water system using Renewable Energy Sources
• other energy-saving interventions such as the installation of a smart management system (Smart home) and the installation of an energy storage system (batteries).

The maximum eligible intervention budget (with 24% VAT) cannot exceed:
a) the product of €1.20 multiplied by the total estimated annual primary energy savings (kWh), as per the First Energy Performance Certificate and 
b) the amount of €35,000 

Only natural persons who have a full, usufruct, or bare ownership right over an eligible residence or tenants who lease an eligible residence and this is evidenced by the existence of a lease contract, with a remaining lease duration of at least seven (7) years at the time of submission of their application to the program, can participate in the "Exoikonomo 2025" program.

The maximum subsidy rates are determined on the basis of the classification of beneficiaries in income categories and the use of the residence. 

 

Applications are submitted only electronically exclusively through the Information System (IS) of the official website of the program https://exoikonomo2025.gov.gr/.

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

Through the IS, you can:

• manage your applications
• upload the required supporting documents electronically
• be informed about the progress of your application, as well as the required actions on your part and their corresponding deadlines.

 
In addition, for the submission of the application and the monitoring of the project, you must cooperate with a Technical Advisor, whose fee is covered by the program after the completion of the interventions and the energy efficiency target is met.

Loan applications in the "Exoikonomo 2025" program, after the interested parties have received the required pre-contractual information, are submitted only electronically exclusively through the Information System (IS) of the official website of the program https://exoikonomo2025.gov.gr/.

For more information, you can visit the official website of the "Exoikonomo 2025" program: https://exoikonomo2025.gov.gr/.

Find out more in the Program Guide.

The lowest energy target of an application requires a mandatory upgrade by at least three (3) energy efficiency categories,  in relation to the classification in the First Energy Efficiency Certificate (and mandatorily minimum category B ́in the case of complete renovation), in order to ensure energy savings of more than 30%.

Only one application may be submitted by each natural person.

The loan instalments are debited automatically to your deposit account with NBG, which you have designated for the collection of instalments to be made.

To keep you duly updated, the Bank sends you quarterly account statements, either by ordinary mail or only electronically, provided that you are a registered user of the Bank's Internet Banking Service and of the statements Service, with information about your loan, as well as the amount of the next monthly instalments. Even if the statement is not delivered to you, the instalment will nevertheless still be due for collection, as required under the loan contract. For more information, you can visit your NBG branch.