Intermediate State Support Programme for the Primary Residence of Vulnerable Households (loan-instalment subsidy and buy-back right)
Vulnerable debtors, including vulnerable debtors with a disability, who risk losing their primary residence get a state subsidy of EUR 70 to 210 a month towards their mortgage instalment. They can then keep the home for up to 12 years through a lease with a right to buy it back.
State subsidy of EUR 70-210 a month towards the mortgage instalment for 15 months; then the option to keep the home for up to 12 years through the Acquisition and Leaseback Entity, with a housing allowance and a buy-back right.
Who can get it
Official evidence · oikogeneia.gov.gr: «διατήρηση της 1ης κατοικίας τους για έως 12 έτη» — πρόγραμμα στήριξης της κύριας κατοικίας · Checked: 2026-09-28
Official evidence · oikogeneia.gov.gr: «Οι ευάλωτοι οφειλέτες ... που αδυνατούν να αντεπεξέλθουν στις δανειακές τους υποχρεώσεις» · Checked: 2026-09-28
Official evidence · ΥΑ 71670/2021 (ΦΕΚ Β' 4500/29.09.2021, κριτήρια επιδόματος στέγασης) και ΚΥΑ 106723 ΕΞ 2024 (ΦΕΚ Β' 4337/24.07.2024) άρθρα 2-3· κλίμακα ανά σύνθεση νοικοκυριού όπως στη σελίδα keyd.gov.gr «Ευάλωτος οφειλέτης» (έλεγχος 2026-09-28) · Checked: 2026-09-28
Official evidence · ΚΥΑ 106723 ΕΞ 2024 (ΦΕΚ Β' 4337/24.07.2024) άρθρο 3 και «λοιπά κριτήρια» του επιδόματος στέγασης (ΥΑ 71670/2021) που ισχύουν για το Ενδιάμεσο Πρόγραμμα (keyd.gov.gr «Επιδότηση στεγαστικού») · Checked: 2026-09-28
Official evidence · oikogeneia.gov.gr: «υποβάλλοντας αίτηση ακόμη και 20 ημέρες πριν από την διενέργεια εκποίησης ή πλειστηριασμού»· άρθρο 181 ν. 5193/2025 · Checked: 2026-09-28
Official evidence · gov.gr — Βεβαίωση ευάλωτου οφειλέτη· keyd.gov.gr: «Η Βεβαίωση εκδίδεται εντός 30 ημερών και παραμένει σε ισχύ για 3 μήνες» · Checked: 2026-09-28
Based on official sources. For the latest criteria, contact the relevant authority.
How to apply
The steps to apply yourself. Free: you don’t need to pay anyone.
Required Documents
Usually the details gov.gr already holds about you are enough.
Step by step
- 1
Issue the Vulnerable Debtor Certificate
With your Taxisnet credentials on the gov.gr digital service. The platform checks income and assets; the certificate is issued within 30 days and is valid for 3 months.
Open the page - 2
Apply to the Intermediate Programme
On the platform of the State contribution programme for vulnerable debtors. There is no deadline; apply no later than 20 days before the auction.
Open the page
Authority: Άλλος Φορέας
Good to know
- Sign in to gov.gr with your TAXISnet codes. You sign in ONLY through the official government page. Never enter your codes anywhere else.
- Fill in and submit the application. Enter your details, upload anything requested and submit. Keep the protocol number.
- Track your application. Progress and the final decision appear in your account on the authority / gov.gr.
Prefer a professional to handle it?
This service is being prepared. For now, the free guide above walks you through every step.
Assign to an accountant / KEP — coming soonIndicative guide — the application and final decision are made by the competent authority.
Indicative results — not an official assessment.
The eligibility check, browsing and the full guide are free.
Already applied? Tell us how it went.
What it is
The programme is for vulnerable debtors, and vulnerable debtors with a disability, who cannot service their loan and risk losing their primary residence (auction, seizure or sale in bankruptcy). The State subsidises the monthly mortgage instalment with EUR 70 to 210 a month for 15 months, and creditor enforcement (seizures, auctions, evictions) is suspended. Income, property and deposit limits depend on the household size (up to EUR 21,000 income and EUR 180,000 property; up to EUR 42,000 and EUR 360,000 for households with a member who has a disability of at least 67%). You first issue the Vulnerable Debtor Certificate online, then apply on the programme platform; there is no deadline, and you can apply as late as 20 days before the auction. The Acquisition and Leaseback Entity, still being set up, will buy the home at a 30% discount and lease it back to the owner for up to 12 years with a right to buy it back; OPEKA pays a monthly housing allowance towards the rent.
Amount and frequency
| Tier | Amount | Frequency |
|---|---|---|
State subsidy towards the mortgage instalment EUR 70 to 210 a month, for 15 months | 70 € | Monthly |
Lifecycle*
ActivePermanent/ongoing benefit
No fixed end date is currently recorded.
*Cycles, deadlines, and availability may change regularly. Always confirm with the official source before applying.
Benefit details
- Provider
- Άλλος Φορέας
- Category
- Taxes & Debts
- Status
- Active
- Type of benefit
- Debt settlement
Details last verified: 28/09/2026