“Spiti Mou 2” and New “Anakenizo” Program: Bigger Subsidies and Easier Access for Greek Homeowners

Greece is boosting housing support with looser income limits for the popular “Spiti Mou 2” program and launching a new renovation initiative, “Anakenizo”, aimed at modernizing older properties.

Key Takeaways

• Income criteria relaxed: Singles, couples, and single-parent families can now qualify for government-backed housing loans.
  • Singles: up to €25,000
  • Couples: up to €35,000, plus €5,000 per child
  • Single-parent families: up to €39,000, plus €5,000 per child
  • Example: A family of four can qualify with an income of up to €45,000
• Program extension: Applications for “Spiti Mou 2” are now open until May 31, 2026, with final disbursements delayed until August 2026.
• Loan details: Up to €190,000, 50% interest-free from the Recovery Fund. Pre-approval within 30 days, valid for 60 days.
• Two proposals not moving forward:
  • Age limit remains 50 years
  • Property value cap stays at €250,000

Introducing the “Anakenizo” Renovation Program

Launching April–May 2026, the “Anakenizo” program targets homes at least 25 years old, offering EU-funded subsidies for renovations and energy upgrades.

What it covers:

• Plumbing and electrical work
• Bathroom and kitchen renovations
• New flooring and tiles
• Energy upgrades: new windows, heating systems, solar water heaters, roof insulation, awnings

Subsidy details:

• Up to €300 per sq m., covering up to 80% of costs
• Maximum subsidy: €36,000
• Increased coverage (90%) for islands, mountainous areas, families with three or more children, and people with disabilities

Eligibility:

• Homes up to 120 sq m, built before Dec 31, 1990
• Income criteria similar to the updated “Spiti Mou 2”
• No age limit

Bottom line:
These programs aim to increase housing availability, modernize older properties, and provide financial support for families across Greece. When combined, both initiatives enable more households to buy, renovate, and upgrade their homes while benefiting from substantial government subsidies.

To apply in English, click here