The Joint Ministerial Decision (JMD) has been amended to significantly expand income criteria and extend the duration of the housing program “Spiti Mou II“, aimed at including more young people and families. Under the new provisions, maximum income limits for beneficiaries are increased while maintaining the minimum threshold of €10,000, and the application deadline is extended to May 2026. This amendment, signed by the relevant ministers, is part of the government’s comprehensive strategy to address the housing crisis and is funded through the Recovery and Resilience Fund, managed by the Hellenic Development Bank.
Specifically, according to the JMD co-signed by Environment and Energy Minister Stavros Papastavrou, Social Cohesion and Family Minister Domna Michailidou, Deputy National Economy and Finance Minister Nikos Papathanasis, and Undersecretary for National Economy and Finance Thanos Petralias, the new income criteria are structured as follows:
- The minimum income threshold remains at €10,000 for single persons, married couples or civil union partners, as well as single-parent families. However, the maximum income limit based on the last tax year or the average of the last three years increases to:
- €25,000 (from €20,000) for single persons.
- €35,000 (from €28,000) for married couples or civil union partners. This amount is increased by €5,000 per child (versus €4,000 per child previously).
- €39,000 (from €31,000) for single-parent families. The increase of €5,000 per child beyond the first remains unchanged.
Regarding the minimum income threshold of €10,000, the total annual taxable income – actual or deemed – is considered regardless of source and registration code in the Individual Income Tax Declaration of the last tax year, plus income from the last tax year relating exclusively to pensions and welfare benefits of dependent children. For the maximum income limit per case, the annual taxable income – actual or deemed – regardless of category and registration code in the Individual Income Tax Declaration of the last tax year does not include income that is cumulatively exempt from income tax under Law 4172/2013, according to the current framework for 2024, for receiving heating allowance.
- The program application deadline is set for May 31, 2026 (instead of December 31, 2025), with possible extension upon decision by the minister responsible for the Recovery Fund Coordination Special Service (EUSTA), provided resources are available. The final deadline for loan contract signing is set for August 31, 2026 (instead of June 30, 2026).
Social Cohesion and Family Minister Domna Michailidou emphasized: “The readjustment of income criteria in ‘Spiti Mou II’ opens the door to homeownership for even more young people and families who want to confidently take the next step in their lives. This isn’t just a technical correction, but substantial support that provides stability, autonomy, and real opportunities for those wanting to start a family. With this new amendment, we make the program more open, fairer, and closer to society’s real needs. Family support begins with housing and constitutes a key pillar of our comprehensive plan: an integrated package of 43 measures worth €7 billion, transforming housing policy into a real prospect for citizens.”
Environment and Energy Minister Stavros Papastavrou noted: “Expanding the income criteria of the ‘Spiti Mou II’ program provides new prospects and responds to the hopes and urgent needs of even more young people in our country. It’s part of a comprehensive government strategy to address the critical social challenge of access to decent housing and support for Greek families. With an increased budget, the program will offer the opportunity for a total of 20,000 fellow citizens to acquire their own home and plan their future with security and confidence.”
Deputy National Economy and Finance Minister Nikos Papathanasis remarked: “Following previous interventions to expand age and income criteria for potential beneficiaries of the ‘My Home II’ program, and within the framework of the government’s overall plan to address the pan-European housing problem, we proceed with two more significant modifications so that even more fellow citizens can acquire their own home. Program implementation continues at rapid pace, as certified by the fact that budget absorption exceeds 67%, resulting in over 11,000 fellow citizens already finding homes, many in regions outside Attica. However, our goal is that by the program’s end in August 2026, every available euro from the €2 billion we secured through Recovery and Resilience Fund resources will be allocated. And fellow citizens will live in the security and stability of their own home, paying loan installments lower than average rent. With consistency and determination, we work to improve daily life and support everyone’s income.”
