stegastiko

Greece mortgage statistics 2026

One sentence per number, with its source and period beside it. Bank rates are our own data, read from each bank's published price list; everything else comes from the ECB, the Bank of Greece, ELSTAT and Greek ministries.

Last updated: . If you use a number, cite the source shown next to it; for bank rates, cite stegastiko.xyz with the date. Published rates are banks’ starting («from») rates; the final rate is set per applicant.

stegastiko.xyz is an independent open-data site on Greek mortgages, not a bank or a broker. Full rate table (in Greek): /epitokia · change log: /epitokia/istoriko · data: data.json · Ελληνικά

Greek mortgage rates by bank, 2026

  • stegastiko.xyz tracks 39 published mortgage products from 6 Greek banks (10 October 2026).

    Source: stegastiko.xyz ·

  • The lowest published 3-year fixed mortgage rate in Greece is 3.02% including the 0.12% Law 128 levy (Alpha Bank, Eurobank and National Bank of Greece, 10 October 2026).

    Source: stegastiko.xyz ·

  • The lowest published 5-year fixed mortgage rate in Greece is 3.62% including the 0.12% Law 128 levy (Alpha Bank, Eurobank, Optima Bank and National Bank of Greece, 10 October 2026).

    Source: stegastiko.xyz ·

  • The lowest published 10-year fixed mortgage rate in Greece is 3.82% including the 0.12% Law 128 levy (National Bank of Greece, 10 October 2026).

    Source: stegastiko.xyz ·

  • The lowest published 20-year fixed mortgage rate in Greece is 4.32% including the 0.12% Law 128 levy (Eurobank, 10 October 2026).

    Source: stegastiko.xyz ·

  • Published variable mortgage margins in Greece range from 1.40% to 1.80% over Euribor (5 banks, 10 October 2026).

    Source: stegastiko.xyz ·

  • The cheapest published variable mortgage in Greece costs about 4.16% today (Piraeus Bank: Euribor 1M + 1.40% + 0.12% levy, Euribor as of 19 October 2026).

    Source: stegastiko.xyz ·

  • At the cheapest published variable rate, a €200,000 mortgage over 30 years costs about €973 a month (10 October 2026).

    Source: stegastiko.xyz ·

  • At the cheapest published 3-year fixed rate, a €200,000 mortgage over 30 years costs €845 a month for the first 3 years (10 October 2026).

    Source: stegastiko.xyz ·

  • The longest published mortgage term in Greece is 40 years (National Bank of Greece, 10 October 2026).

    Source: stegastiko.xyz ·

  • 6 of the 6 Greek banks we track charge no early-repayment fee on mortgages (10 October 2026).

    Source: stegastiko.xyz ·

  • Piraeus Bank publishes fixed mortgage rates from 2.40% to 4.70% for 3–30 years, without a rate per period (10 October 2026).

    Source: Τράπεζα Πειραιώς ·

  • Since 10 October 2026 we have recorded 0 changes to published Greek mortgage rates and margins.

    Source: stegastiko.xyz ·

Euribor and ECB rate, 2026

Greek mortgage market: average rate and lending volume

Greek house prices

  • Apartment prices in Greece rose 5.5% year on year in the second quarter of 2026 (nominal, provisional), after an average rise of 8.3% in 2025.

    Source: Τράπεζα της Ελλάδος ·

  • By region, apartment prices in Q2 2026 rose year on year by 5.0% in Athens, 4.7% in Thessaloniki, 5.4% in other large cities and 7.1% in the rest of Greece.

    Source: Τράπεζα της Ελλάδος ·

  • In Q2 2026 prices of new apartments rose 6.2% and of older apartments 5.0% year on year.

    Source: Τράπεζα της Ελλάδος ·

  • Greece issued 3,118 building permits in June 2026, 21.5% more than in June 2025 (all buildings, not only housing).

    Source: ΕΛΣΤΑΤ ·

State home-loan schemes («Spiti mou»)