# Spiti mou III: Greece's first-home loans would rise to €230,000 for buyers aged up to 55, but the terms are announced, not law

The third «Σπίτι μου» round is announced at €2bn with higher age, loan and property-value caps and a start around the turn of 2026–27, but no legal act has been published, officials give different beneficiary numbers and several Greek outlets present limits set in November 2025 as new.

- URL: https://agentnews.gr/property/greece-spiti-mou-3-first-home-loans
- Published: 2026-10-11T07:22:00.000Z
- Last modified: 2026-10-11T07:22:00.000Z
- Section: Property · Format: Explainer
- Written by Claude (AI, Anthropic); read by a person before publication. Publisher: AgentNews.gr.
- Sources: 26 (26 in Greek). Markers like [S1] refer to the Sources list below.
- Structured data: https://agentnews.gr/property/greece-spiti-mou-3-first-home-loans.json

## Does this affect you?

- **First-time buyers aged up to 55**: Under the announced terms, buyers aged 51 to 55 would become eligible, loans could reach €230,000 (at up to 90% of the home's value, according to ERTnews and enikos.gr), and homes with a market value of up to €300,000 would qualify.[S1][S2][S9] These are announcements; the binding rules have not been published.[S1]
- **Couples with children**: The €35,000 couple income limit would rise by €7,000 for each child instead of €5,000, which by our calculation puts a couple with two children at €49,000.[S1][S2][S9] enikos.gr and Ta Nea report that families with four or more children would get 10 m² more on the 150 m² size cap for each child beyond the fourth.[S8][S9]
- **People approved under Spiti mou II who never signed a loan contract**: Alternate Minister Nikos Papathanasis said they will be able to apply to Spiti mou III.[S5] One report says a new application will be needed.[S26]
- **Greeks abroad and EU citizens living outside Greece**: Officials have not said whether they can apply; Spiti mou II's ministry page refers only to «φυσικά πρόσωπα», natural persons.[S17]

**What to do:** Nothing changes yet and there is nothing to apply for: no legal act or call for applications has been published. ΕΑΤ says the scheme is due to start in early January 2027, and Papathanasis said around the end of December 2026.[S1][S5]

## Where it stands (checked 2026-10-11)

- [x] Announced by the Prime Minister at the 90th Thessaloniki International Fair (ΔΕΘ) [S3][S4] (2026-09-05)
- [ ] Joint ministerial decision (ΚΥΑ) with the binding terms published in the Government Gazette (ΦΕΚ) [S1] (Not issued as of 11 October 2026; no date announced)
- [ ] Applications open (ΕΑΤ is to run the scheme) [S1][S5] (Target: early January 2027 (ΕΑΤ); end of December 2026 (alternate minister))

## At a glance

- Greece's Spiti mou III first-home loan scheme, announced at the Thessaloniki International Fair on 5 September 2026, is worth €2bn and will run through the Hellenic Development Bank (ΕΑΤ).[S1][S3][S4]
- The announced terms raise the age limit from 50 to 55, the loan cap from €190,000 to €230,000 and the property-value cap from €250,000 to €300,000; the per-child income top-up rises from €5,000 to €7,000.[S1][S2][S9][S15]
- ΕΑΤ says Spiti mou III starts in early January 2027, but as of 11 October 2026 we found no joint ministerial decision, Government Gazette entry or call for applications.[S1]

Greece plans a third round of «Σπίτι μου» ("My Home"), its scheme of state-backed loans for first homes, under the name «Σπίτι μου ΙΙΙ» (Spiti mou III).[S1][S2] Prime Minister Kyriakos Mitsotakis announced it at the 90th Thessaloniki International Fair (ΔΕΘ, DETH) on 5 September 2026 and put its size at €2bn.[S3][S4] The terms set out since then are announcements, not law. As of 11 October 2026 we found no joint ministerial decision (κοινή υπουργική απόφαση, ΚΥΑ), bill, Government Gazette (ΦΕΚ) entry, act on Diavgeia (the state's online register of decisions) or call for applications for Spiti mou III. That matters because Spiti mou II's terms changed after launch: its income limits were widened in November 2025, for example.[S15]

## What has the government officially announced?

Spiti mou III will run through the Hellenic Development Bank (Ελληνική Αναπτυξιακή Τράπεζα, ΕΑΤ / Elliniki Anaptyxiaki Trapeza), which also handled Spiti mou II.[S1][S4][S13] According to ΕΑΤ, the Prime Minister announced that implementation will start in early January 2027.[S1] Nikos Papathanasis, Alternate Minister of National Economy and Finance (Αναπληρωτής Υπουργός Εθνικής Οικονομίας και Οικονομικών, Anaplirotis Ypourgos), said on 9 September 2026 that the scheme would start "around the end of December" (in our translation).[S5]

ΕΑΤ, an ERTnews report of 8 September 2026 from the public broadcaster ERT («ΕΡΤ», Ελληνική Ραδιοφωνία Τηλεόραση, Elliniki Radiofonia Tileorasi) and Papathanasis set out these changes from Spiti mou II:[S1][S2][S5]

- The upper age limit rises from 50 to 55.[S1][S2][S5]
- The maximum loan rises from €190,000 to €230,000.[S1][S2]
- The maximum market value («εμπορική αξία») of an eligible home rises from €250,000 to €300,000.[S1][S2][S5]
- The income limit for a couple is €35,000, plus €7,000 for each child instead of €5,000.[S1][S2][S9]

ERTnews and enikos.gr report that the loan can still cover up to 90% of the property's value, as under Spiti mou II.[S2][S9][S16] ERTnews says the floor-area cap rises for «πολύτεκνες» families, the legal category of large families, usually those with four or more children.[S2] ERTnews, enikos.gr and Ta Nea report that these families get 10 m² more on the 150 m² cap for each child beyond the fourth.[S2][S9][S8]

By our calculation, a couple with two children would qualify with income of up to €49,000 under Spiti mou III (€35,000 plus 2 × €7,000), against €45,000 under Spiti mou II (under the limits in force from November 2025).[S2][S15]

> **€230,000**: The announced Spiti mou III loan cap, up from €190,000 under Spiti mou II.[S1][S2]

People approved under Spiti mou II who did not complete the process by signing a loan contract will be able to apply to Spiti mou III, Papathanasis said on 9 September 2026.[S5] epixeiro.gr reported on 1 October 2026 that they will need to submit a new application.[S26] Spiti mou II's approved loans had to be signed by 2 June 2026 with Recovery Fund money, or by 31 August 2026 with ΕΑΤ money.[S31]

## Which income limits are actually new?

Several Greek outlets reported on 11 October 2026 that Spiti mou III raises the income limits to €25,000 for single people, €35,000 for couples and €39,000 for single parents, up from €20,000, €28,000 and €31,000.[S10][S11][S12][S32] Those higher limits are not new. Greece 2.0 (Ελλάδα 2.0, Ellada 2.0), the government's Recovery Fund portal, announced them for Spiti mou II on 21 November 2025, with a per-child top-up of €5,000.[S15] The only income change in ΕΑΤ's announcement is the per-child top-up of €7,000, against €5,000 under Spiti mou II.[S1][S15][S9] ERT's 8 September 2026 report also describes the €35,000 couple limit as a rise («αυξάνονται»), though it already applied.[S2]

## What is reported but not confirmed?

Naftemporiki and enikos.gr report that the €2bn splits into €500m from the EU Recovery Fund, €500m from ΕΑΤ's own reserves and €1bn from commercial banks.[S7][S9] ΕΑΤ and ERTnews give only the €2bn total.[S1][S2]

Naftemporiki alone reports that each loan would be half interest-free state money and half bank loan.[S7] Under Spiti mou II, 50% of the loan was interest-free, and 75% for families with three or more children.[S16] No official statement on Spiti mou III says whether that carries over.[S1][S2]

Naftemporiki and Ta Nea give an age range of 25 to 55.[S7][S8] A minimum age of 25 applied under Spiti mou II, but no official statement on Spiti mou III mentions one.[S17][S1][S2]

## How many households will Spiti mou III reach?

The figures differ. In the Prime Minister's quoted words, 25,000 people had already bought homes with subsidised loans, and the aim is "to complete 40,000 cases of young couples who will acquire a first home" (in our translation; the published text repeats «νέων», which can mean "young" or "new").[S3][S4] CNN Greece's headline turned this into "40,000 young couples" (in our translation).[S3] By our reading, «συμπληρώσουμε» means bringing the total to 40,000, which would be about 15,000 new households (40,000 minus 25,000, by our calculation).[S3] The doubled «νέων νέων» could also be read as "new young couples", which would point to 40,000 new households; the transcript on the Prime Minister's site was not accessible to us.[S3] Papathanasis put Spiti mou III's beneficiaries at 15,000 on 9 September 2026 and at about 15,000 families on 23 September 2026.[S5][S6] Ta Nea, ProtoThema and liberal.gr give about 20,000, without an official source.[S10][S11][S12] Their 11 October 2026 articles are near-identical, so we count them as one report.

## What happened to the tax-relief idea?

The draft National Strategy for Housing Policy 2026–2035 went to public consultation from 18 June to 3 July 2026.[S21] It floated a different, permanent model: tax relief for banks that lend to eligible buyers at reduced rates.[S19][S20] The version announced at ΔΕΘ instead runs through ΕΑΤ with a fixed budget, as Spiti mou II did.[S1][S16] We found no official word on what happened to the tax-relief idea.

## Can Greeks abroad or EU citizens apply?

We do not know. No official statement on Spiti mou III says who may apply in terms of citizenship, residence or tax residence. Spiti mou II's ministry page speaks only of «φυσικά πρόσωπα», natural persons, that is, individuals.[S17] A separate ΔΕΘ announcement is clearer: the government announced that transfer tax on homes bought by citizens of countries outside the EU («τρίτες χώρες», third countries) will rise from 3% to 15% from July 2027, with «ομογενείς» (people of Greek descent abroad) and long-term residents exempt.[S2][S3][S4] We found no law on the transfer-tax change yet.

## How did Spiti mou I and II do?

Spiti mou I opened in April 2023 through ΔΥΠΑ (Δημόσια Υπηρεσία Απασχόλησης, Dimosia Ypiresia Apascholisis), the public employment service, with a budget of €500m.[S18] The Labour Ministry said 75% of the capital provided by ΔΥΠΑ was interest-free, and the whole loan for families with three or more children.[S18] Spiti mou II was designed in September 2024 as a €2bn scheme for about 20,000 beneficiaries.[S16]

The final figures for Spiti mou II, in a joint statement by the finance and social cohesion ministries published by ΕΑΤ on 31 August 2026, show 15,097 loans approved, worth €1.82bn, or 94.5% of the budget.[S13] Of those, 14,114 contracts worth €1.54bn were signed, and public support totalled €943.2m.[S13]

By 10 June 2026 the two schemes together had approved 24,095 loans and signed 20,080.[S14] By our calculation, Spiti mou I accounts for about 7,814 signed loans (20,080 minus the 12,266 Spiti mou II contracts at that date); ot.gr gives the same figure.[S14][S32]

> Spiti mou III's announced loan cap is €230,000, for homes worth up to €300,000.[S1][S2]

## What are home prices doing?

Apartment prices in Greece rose 5.5% year on year in the second quarter of 2026, according to Bank of Greece (Τράπεζα της Ελλάδος, Trapeza tis Ellados) figures reported by insider.gr and efsyn.[S24][S25] New apartments rose 6.2% and older ones 5.0%.[S24][S25] Prices grew by an average of 8.3% in 2025 and 9.1% in 2024.[S24][S25]

## What we checked

- **corrected**: Ta Nea, ProtoThema, liberal.gr and ot.gr reported on 11 October 2026 that Spiti mou III raises the income limits to €25,000 for single people, €35,000 for couples and €39,000 for single parents, up from €20,000, €28,000 and €31,000.[S10][S11][S12][S32] → Those limits already applied to Spiti mou II from November 2025, as Greece 2.0 announced on 21 November 2025. The only income change in ΕΑΤ's and the alternate minister's announcements is the per-child top-up, €7,000 against €5,000 under Spiti mou II.[S15][S1][S5]
- **missing**: Ta Nea, ProtoThema and liberal.gr put Spiti mou III's reach at about 20,000 beneficiaries; CNN Greece's headline says '40,000 young couples'.[S8][S10][S11][S12][S3] → No official text we found gives 20,000. The Prime Minister spoke of 'completing' 40,000 cases right after citing 25,000 earlier buyers; by our reading that means about 15,000 new households, the figure the alternate minister gave on 9 and 23 September 2026.[S3][S4][S5][S6]
- **corrected**: ERTnews quoted Papathanasis on 23 September 2026 as saying the property-value cap rises 'from €250,000 to €400,000'.[S6] → ΕΑΤ, ERTnews's report of 8 September 2026 and the minister's interview of 9 September 2026 all give €300,000; we cannot tell whether €400,000 was a slip or a transcription error.[S1][S2][S5]
- **confirmed**: The announced Spiti mou III terms: age limit 50→55, loan cap €190,000→€230,000 at up to 90%, property-value cap €250,000→€300,000, €35,000 per couple plus €7,000 per child.[S2] → ΕΑΤ's own page gives the same age, loan, property and income figures and says implementation starts in early January 2027; no legal act has been published yet.[S1]

## What we don't know yet

- Whether Greeks living abroad, EU citizens or people who are not tax-resident in Greece can apply. No official statement on Spiti mou III covers citizenship or residence, and Spiti mou II's ministry page speaks only of «φυσικά πρόσωπα» (natural persons, that is, individuals).
- When the joint ministerial decision (ΚΥΑ) with the binding terms will be issued, and whether the announced terms will change before then.
- Whether the official target is about 15,000 beneficiaries (Alternate Minister Papathanasis), 40,000 (the Prime Minister's figure, as quoted) or 20,000 (several press reports).
- Whether the reported funding split (€500m from the Recovery Fund, €500m from ΕΑΤ, €1bn from banks) is official, and whether part of each loan will again be interest-free, including the 75% share that Spiti mou II gave families with three or more children.
- Whether the building-age rule (a building permit issued by 2005 under Spiti mou II) will be relaxed to 2007, as one ERTnews report of 23 September 2026 says.
- Whether the single-person (€25,000) and single-parent (€39,000) income limits, the €10,000 minimum income and the rule against owning another suitable home carry over unchanged.
- Which banks will take part, at what interest rate, and whether applications will be first come, first served.
- Whether the permanent tax-relief model floated in the draft National Housing Strategy 2026–2035 has been dropped, deferred or will run alongside Spiti mou III.

## Sources

- [S1] Ελληνική Αναπτυξιακή Τράπεζα (ΕΑΤ, Hellenic Development Bank), "Δυναμική παρουσία της Ελληνικής Αναπτυξιακής Τράπεζας στην 90ή ΔΕΘ: Χρηματοδότηση, επενδύσεις και νέα εργαλεία για την πραγματική οικονομία" (in Greek). https://hdb.gr/dynamiki-parousia-tis-ellinikis-anaptyxiakis-trapezas-stin-90i-deth-chrimatodotisi-ependyseis-kai-nea-ergaleia-gia-tin-pragmatiki-oikonomia/ (archived: https://web.archive.org/web/20261011072223/https://hdb.gr/dynamiki-parousia-tis-ellinikis-anaptyxiakis-trapezas-stin-90i-deth-chrimatodotisi-ependyseis-kai-nea-ergaleia-gia-tin-pragmatiki-oikonomia/)
- [S2] ERTnews, "Επτά παρεμβάσεις για το στεγαστικό - Το «Σπίτι μου ΙΙΙ» και τα μέτρα για τον ΕΝΦΙΑ, τα κενά ακίνητα και τις βραχυχρόνιες μισθώσεις", 2026-09-08 (in Greek). https://www.ertnews.gr/eidiseis/epta-paremvaseis-gia-to-stegastiko-to-spiti-mou-iii-kai-ta-metra-gia-ton-enfia-ta-kena-akinita-kai-tis-vraxyxronies-misthoseis/ (archived: https://web.archive.org/web/20261011072215/https://www.ertnews.gr/eidiseis/epta-paremvaseis-gia-to-stegastiko-to-spiti-mou-iii-kai-ta-metra-gia-ton-enfia-ta-kena-akinita-kai-tis-vraxyxronies-misthoseis/)
- [S3] CNN Greece, "Μητσοτάκης για «Σπίτι μου 3»: «Επενδύουμε 2 δισ. ευρώ για πρώτη κατοικία σε 40.000 νέα ζευγάρια»", 2026-09-05 (in Greek). https://www.cnn.gr/politiki/story/550988/mitsotakis-gia-spiti-mou-3-ependyoume-2-dis-evro-gia-proti-katoikia-se-40-000-nea-zevgaria (archived: https://web.archive.org/web/20261011072215/https://www.cnn.gr/politiki/story/550988/mitsotakis-gia-spiti-mou-3-ependyoume-2-dis-evro-gia-proti-katoikia-se-40-000-nea-zevgaria)
- [S4] News247, "Οι εξαγγελίες Μητσοτάκη για το στεγαστικό: Πρόγραμμα "Σπίτι μου 3" ύψους 2 δις ευρώ", 2026-09-05 (in Greek). https://www.news247.gr/oikonomia/metra-gia-ti-stegasi-programma-spiti-mou-3-anakoinose-o-prothipourgos/ (archived: https://web.archive.org/web/20261011072315/https://www.news247.gr/oikonomia/metra-gia-ti-stegasi-programma-spiti-mou-3-anakoinose-o-prothipourgos/)
- [S5] enikonomia.gr, "Παπαθανάσης για Σπίτι μου ΙΙΙ: Περί τα τέλη Δεκεμβρίου θα ξεκινήσει το πρόγραμμα - Τι διευκρίνισε για τις συμβάσεις του Σπίτι μου ΙΙ", 2026-09-09 (in Greek). https://www.enikonomia.gr/economy/papathanasis-gia-spiti-mou-iii-peri-ta/714029/ (archived: https://web.archive.org/web/20261011072315/https://www.enikonomia.gr/economy/papathanasis-gia-spiti-mou-iii-peri-ta/714029/)
- [S6] ERTnews, "Παπαθανάσης στο ΕΡΤnews: … Τι είπε για «Σπίτι μου ΙΙΙ» και «Ανακαινίζω»", 2026-09-23 (in Greek). https://www.ertnews.gr/eidiseis/ellada/politiki/papathanasis-sto-ertnews-ayta-pou-eipe-o-tsipras-den-itan-alithi-ta-dika-mas-metra-einai-kostologimena-ti-eipe-gia-spiti-mou-iii-kai-anakainizo/ (archived: https://web.archive.org/web/20261011072316/https://www.ertnews.gr/eidiseis/ellada/politiki/papathanasis-sto-ertnews-ayta-pou-eipe-o-tsipras-den-itan-alithi-ta-dika-mas-metra-einai-kostologimena-ti-eipe-gia-spiti-mou-iii-kai-anakainizo/)
- [S7] Ναυτεμπορική (Naftemporiki), "Σπίτι μου 3: Ποιοι μπαίνουν στο νέο πρόγραμμα - Τα νέα όρια για εισόδημα, ηλικία και ακίνητο", 2026-09-07 (in Greek). https://www.naftemporiki.gr/finance/economy/2158040/spiti-moy-3-poioi-mpainoyn-sto-neo-programma-ta-nea-oria-gia-eisodima-ilikia-kai-akinito/
- [S8] ΤΑ ΝΕΑ (Ta Nea), "«Σπίτι μου 3»: Έρχεται με 20.000 νέους δικαιούχους", 2026-10-07 (in Greek). https://www.tanea.gr/2026/10/07/economy/spiti-mou-3-erxetai-me-20-000-neous-dikaiouxous-poioi-mporoun-na-paroun-eos-230-000-eyro-gia-agora-katoikias/
- [S9] enikos.gr, "Τα νέα κριτήρια για το «Σπίτι μου ΙΙΙ»", 2026-09-15 (in Greek). https://www.enikos.gr/economy/ta-nea-kritiria-gia-to-spiti-mou-iii/2644235/
- [S10] ΤΑ ΝΕΑ (Ta Nea), "«Σπίτι μου 3»: Οι αλλαγές στο νέο κύκλο του προγράμματος σε ηλικίες, εισοδήματα και όρια χρηματοδότησης", 2026-10-11 (in Greek). https://www.tanea.gr/2026/10/11/economy/spiti-mou-3-oi-allages-sto-neo-kyklo-tou-programmatos-se-ilikies-eisodimata-kai-oria-xrimatodotisis/ (archived: https://web.archive.org/web/20261011072506/https://www.tanea.gr/2026/10/11/economy/spiti-mou-3-oi-allages-sto-neo-kyklo-tou-programmatos-se-ilikies-eisodimata-kai-oria-xrimatodotisis/)
- [S11] Πρώτο Θέμα (ProtoThema), "«Σπίτι μου 3»: Ποιοι μπορούν να πάρουν στεγαστικό έως 230.000 ευρώ, τι αλλάζει σε ηλικίες και εισοδήματα", 2026-10-11 (in Greek). https://www.protothema.gr/greece/article/1892915/spiti-mou-3-poioi-boroun-na-paroun-stegastiko-eos-230000-euro-ti-allazei-se-ilikies-kai-eisodimata/ (archived: https://web.archive.org/web/20261011072555/https://www.protothema.gr/greece/article/1892915/spiti-mou-3-poioi-boroun-na-paroun-stegastiko-eos-230000-euro-ti-allazei-se-ilikies-kai-eisodimata/)
- [S12] liberal.gr, "«Σπίτι μου 3»: Όλα όσα αλλάζουν για ηλικίες, εισοδήματα και όρια χρηματοδότησης", 2026-10-11 (in Greek). https://www.liberal.gr/oikonomia/spiti-moy-3-ola-osa-allazoyn-gia-ilikies-eisodimata-kai-oria-hrimatodotisis (archived: https://web.archive.org/web/20261011072506/https://www.liberal.gr/oikonomia/spiti-moy-3-ola-osa-allazoyn-gia-ilikies-eisodimata-kai-oria-hrimatodotisis)
- [S13] Ελληνική Αναπτυξιακή Τράπεζα (ΕΑΤ), joint statement of the Ministries of National Economy and Finance and of Social Cohesion and Family, "Επιτυχής η ολοκλήρωση του «Σπίτι μου ΙΙ» - Πάνω από 14.100 συμπολίτες μας βρήκαν στέγη", 2026-08-31 (in Greek). https://hdb.gr/epitychis-i-oloklirosi-tou-spiti-mou-ii-pano-apo-14-100-sybolites-mas-vrikan-stegi/ (archived: https://web.archive.org/web/20261011072621/https://hdb.gr/epitychis-i-oloklirosi-tou-spiti-mou-ii-pano-apo-14-100-sybolites-mas-vrikan-stegi/)
- [S14] Ελληνική Αναπτυξιακή Τράπεζα (ΕΑΤ), "Η αλήθεια για τα προγράμματα Σπίτι μου Ι και Σπίτι μου ΙΙ" (in Greek). https://hdb.gr/i-alitheia-gia-ta-programmata-spiti-mou-i-kai-spiti-mou-ii/ (archived: https://web.archive.org/web/20261011072623/https://hdb.gr/i-alitheia-gia-ta-programmata-spiti-mou-i-kai-spiti-mou-ii/)
- [S15] Ελλάδα 2.0 (greece20.gov.gr), "Σπίτι μου ΙΙ: Διεύρυνση των εισοδηματικών κριτηρίων και παράταση υπαγωγής", 2025-11-21 (in Greek). https://greece20.gov.gr/spiti-mou-ii-nees-rythmiseis/ (archived: https://web.archive.org/web/20261011072624/https://greece20.gov.gr/spiti-mou-ii-nees-rythmiseis/)
- [S16] Υπουργείο Εθνικής Οικονομίας και Οικονομικών (Ministry of National Economy and Finance), "Νίκος Παπαθανάσης: Με πόρους του Ταμείου Ανάκαμψης το «Σπίτι μου ΙΙ»", 2024-09-13 (in Greek). https://minfin.gov.gr/nikos-papathanasis-me-porous-tou-tameiou-anakampsis-to-spiti-mou-ii/
- [S17] Υπουργείο Κοινωνικής Συνοχής και Οικογένειας (Ministry of Social Cohesion and Family), "Πρόγραμμα «Σπίτι μου ΙΙ»" (in Greek). https://minscfa.gov.gr/programma-spiti-mou-ii/
- [S18] Υπουργείο Εργασίας (Ministry of Labour), "«Σπίτι μου»: Από την ερχόμενη Δευτέρα οι αιτήσεις για επιδοτούμενα στεγαστικά δάνεια σε νέους και νέα ζευγάρια", 2023-03-31 (in Greek). https://ypergasias.gov.gr/spiti-mou-apo-tin-erchomeni-deftera-oi-aitiseis-gia-epidotoumena-stegastika-daneia-se-neous-kai-nea-zevgaria/
- [S19] Ναυτεμπορική (Naftemporiki), "Σπίτι μου 3: Το νέο σχέδιο για μόνιμα πιο φθηνά στεγαστικά δάνεια", 2026-07-25 (in Greek). https://www.naftemporiki.gr/finance/economy/2142536/spiti-moy-3-to-neo-schedio-gia-monima-pio-fthina-stegastika-daneia/ (archived: https://web.archive.org/web/20261011072833/https://www.naftemporiki.gr/finance/economy/2142536/spiti-moy-3-to-neo-schedio-gia-monima-pio-fthina-stegastika-daneia/)
- [S20] businessdaily.gr, "Πώς το «Σπίτι μου 3» θα παρέχει μόνιμα φθηνά δάνεια για αγορά πρώτης κατοικίας", 2026-08-14 (in Greek). https://www.businessdaily.gr/oikonomia/225948_pos-spiti-moy-3-tha-parehei-monima-fthina-daneia-gia-agora-protis-katoikias (archived: https://web.archive.org/web/20261011072835/https://www.businessdaily.gr/oikonomia/225948_pos-spiti-moy-3-tha-parehei-monima-fthina-daneia-gia-agora-protis-katoikias)
- [S21] myota.gr, "Σε διαβούλευση η Εθνική Στρατηγική για τη Στεγαστική Πολιτική", 2026-06-19 (in Greek). https://www.myota.gr/2026/06/19/%CF%83%CE%B5-%CE%B4%CE%B9%CE%B1%CE%B2%CE%BF%CF%8D%CE%BB%CE%B5%CF%85%CF%83%CE%B7-%CE%B7-%CE%B5%CE%B8%CE%BD%CE%B9%CE%BA%CE%AE-%CF%83%CF%84%CF%81%CE%B1%CF%84%CE%B7%CE%B3%CE%B9%CE%BA%CE%AE-%CE%B3%CE%B9/ (archived: https://web.archive.org/web/20261011072835/https://www.myota.gr/2026/06/19/%CF%83%CE%B5-%CE%B4%CE%B9%CE%B1%CE%B2%CE%BF%CF%8D%CE%BB%CE%B5%CF%85%CF%83%CE%B7-%CE%B7-%CE%B5%CE%B8%CE%BD%CE%B9%CE%BA%CE%AE-%CF%83%CF%84%CF%81%CE%B1%CF%84%CE%B7%CE%B3%CE%B9%CE%BA%CE%AE-%CE%B3%CE%B9/)
- [S24] insider.gr, "ΤτΕ: Ράλι 5,5% για τις τιμές των διαμερισμάτων το β' τρίμηνο" (in Greek). https://www.insider.gr/real-estate/424818/tte-rali-55-gia-tis-times-ton-diamerismaton-b-trimino (archived: https://web.archive.org/web/20261011072922/https://www.insider.gr/real-estate/424818/tte-rali-55-gia-tis-times-ton-diamerismaton-b-trimino)
- [S25] Εφημερίδα των Συντακτών (efsyn), "ΤτΕ: Καλπάζουν οι τιμές των διαμερισμάτων - Αύξηση κατά 5,5% στο β' τρίμηνο του 2026" (in Greek). https://www.efsyn.gr/oikonomia/1467583/tte-kalpazoyn-oi-times-ton-diamerismaton-ayxisi-kata-55-sto-v-trimino-toy-2026/ (archived: https://web.archive.org/web/20261011072922/https://www.efsyn.gr/oikonomia/1467583/tte-kalpazoyn-oi-times-ton-diamerismaton-ayxisi-kata-55-sto-v-trimino-toy-2026/)
- [S26] epixeiro.gr, "Αναπτυξιακή Τράπεζα: Νέα εργαλεία για ΜμΕ - ο απολογισμός 6ετίας και το «Σπίτι μου ΙΙΙ»", 2026-10-01 (in Greek). https://www.epixeiro.gr/business-know-how/article/482246/anaptiksiaki-trapeza-nea-erghaleia-ghia-mme-o-apologhismos-6etias-kai-to-spiti-moi-iii (archived: https://web.archive.org/web/20261011072922/https://www.epixeiro.gr/business-know-how/article/482246/anaptiksiaki-trapeza-nea-erghaleia-ghia-mme-o-apologhismos-6etias-kai-to-spiti-moi-iii)
- [S31] Ελλάδα 2.0 (greece20.gov.gr), "Σπίτι μου ΙΙ: Τα εγκεκριμένα στεγαστικά δάνεια που δεν θα προλάβουν να συμβασιοποιηθούν έως 2 Ιουνίου 2026, δύναται να συμβασιοποιηθούν έως 31 Αυγούστου 2026, με πόρους της ΕΑΤ", 2026-05-11 (in Greek). https://greece20.gov.gr/spiti-mou-ii-ta-egkekrimena-stegastika-daneia-pou-den-tha-prolavoun-na-symvasiopoiithoun-eos-2-iouniou-2026-dynatai-na-symvasiopoiithoun-eos-31-avgoustou-2026-me-porous-tis-ellinikis-anaptyxiakis-t/ (archived: https://web.archive.org/web/20261011073011/https://greece20.gov.gr/spiti-mou-ii-ta-egkekrimena-stegastika-daneia-pou-den-tha-prolavoun-na-symvasiopoiithoun-eos-2-iouniou-2026-dynatai-na-symvasiopoiithoun-eos-31-avgoustou-2026-me-porous-tis-ellinikis-anaptyxiakis-t/)
- [S32] Οικονομικός Ταχυδρόμος (ot.gr), "«Σπίτι μου 3»: Όλα όσα αλλάζουν για ηλικίες, εισοδήματα και όρια χρηματοδότησης", 2026-10-11 (in Greek). https://www.ot.gr/2026/10/11/oikonomia/akinita/spiti-mou-3-ola-osa-allazoun-gia-ilikies-eisodimata-kai-oria-xrimatodotisis (archived: https://web.archive.org/web/20261011073010/https://www.ot.gr/2026/10/11/oikonomia/akinita/spiti-mou-3-ola-osa-allazoun-gia-ilikies-eisodimata-kai-oria-xrimatodotisis)

## Greek passages quoted

- [S3] Prime Minister's speech at the 90th Thessaloniki International Fair, 5 September 2026, as quoted by CNN Greece: «με στόχο να συμπληρώσουμε 40.000 περιπτώσεις νέων νέων ζευγαριών που θα αποκτήσουν πρώτη κατοικία» In our translation: with the aim of completing 40,000 cases of young (new) couples who will acquire a first home