{"id":9347,"date":"2023-02-23T15:00:04","date_gmt":"2023-02-23T15:00:04","guid":{"rendered":"https:\/\/dev-espa.summerize.io\/housing-loans-applications-for-the-interest-rate-subsidy-programme\/"},"modified":"2023-08-01T08:59:58","modified_gmt":"2023-08-01T08:59:58","slug":"housing-loans-applications-for-the-interest-rate-subsidy-programme","status":"publish","type":"post","link":"https:\/\/espa.io\/en\/housing-loans-applications-for-the-interest-rate-subsidy-programme\/","title":{"rendered":"Housing loans: Applications for the interest rate subsidy programme"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n

From today, Wednesday 1 February<\/strong>, borrowers<\/strong> can apply<\/strong> for the subsidy<\/strong> for home loans<\/strong>. The subsidy<\/strong> is also given to small<\/a> business<\/a><\/strong> loans<\/strong>, with collateral<\/strong> security<\/strong> on the first<\/strong> home<\/strong>, of vulnerable citizens.<\/p>\n\n

Borrowers will be able to submit<\/strong> their applications<\/strong> on the gov.gr platform at: https:\/\/www.gov.gr\/ipiresies\/periousia-kai-phorologia\/diakheirise-opheilon\/bebaiose-eualotou-opheilete<\/a><\/strong>, in order to receive the relevant support. The first step<\/strong> is the issuance of a certificate of vulnerability of the borrower<\/strong> through the information system of the Special Secretariat for Private Debt<\/a><\/strong>.<\/p>\n\n

The Mortgage Loan Scheme<\/strong><\/h2>\n\n

The scheme provides for a 50%<\/strong> subsidy<\/strong> of the interest rate increase<\/strong>. The reference<\/strong> date<\/strong> for calculating the increase is set at 30.6.2022<\/strong>. The subsidy will be given for a period<\/strong> of 12 months<\/strong>. The corresponding amounts<\/strong> are expected to start being credited<\/strong> to the beneficiaries’ accounts in April.<\/strong><\/p>\n\n

The entire cost<\/strong> of the support to vulnerable borrowers will be covered under the distinct corporate social responsibility actions<\/strong> of financial institutions, with equal contributions<\/strong> from the four systemic banks (Alpha Bank, National Bank, Eurobank and Piraeus Bank).<\/p>\n\n

Applications<\/strong> are only for vulnerable borrowers with a mortgage loan<\/strong> and can be submitted via gov.gr, under “services-property and tax-debt management”<\/strong>.<\/p>\n\n

The procedure<\/strong><\/h2>\n\n

Borrowers<\/strong> will have to apply<\/strong> on the platform<\/strong>. The Special Secretariat for Private Debt Management<\/strong> will confirm<\/strong> that they relate to vulnerable<\/strong> households<\/strong><\/a><\/p>\n\n

Banks<\/strong> will then undertake to monitor<\/strong> the payments<\/strong>, the amount<\/strong> of subsidy<\/strong>.<\/p>\n\n

The criteria<\/strong> membership of the programme<\/strong><\/h2>\n\n

As for the criteria for participation in the programme, beneficiaries are borrowers with a housing loan and\/or small business loan<\/strong> secured by a<\/strong> security<\/strong> over the 1st residence<\/strong>.<\/p>\n\n

Annual income cannot exceed 7.000\u20ac,<\/strong> plus 3.500\u20ac<\/strong> per family member<\/strong>, with a limit<\/strong> and maximum<\/strong> annual income of 21.000\u20ac<\/strong>.<\/p>\n\n

The maximum value of the main<\/strong> (first) residence<\/strong> must not exceed<\/strong> 180.000\u20ac<\/strong>, the total deposits<\/strong> up to 7.000\u20ac<\/strong>, increased by 3.500\u20ac per family member<\/strong>, with a limit<\/strong> of 21.000\u20ac<\/strong> for total deposits.<\/p>\n","protected":false},"excerpt":{"rendered":"

From today, Wednesday 1 February, borrowers can apply for the subsidy for home loans. The subsidy is also given to small business loans, with collateral security on the first home, of vulnerable citizens. Borrowers will be able to submit their applications on the gov.gr platform at: https:\/\/www.gov.gr\/ipiresies\/periousia-kai-phorologia\/diakheirise-opheilon\/bebaiose-eualotou-opheilete, in order to receive the relevant support. The […]<\/p>\n","protected":false},"author":1,"featured_media":10697,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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