Greek mortgage calculators
Estimate repayments, affordability, and Greek property purchase costs, then use GreekHomeLoans to connect with a specialist.
Mortgage repayment
Home price, down payment, quoted vs final rate (incl. 0.12% levy), and monthly payment.
Affordability
Find out how much you can borrow based on income and debts.
Greece purchase costs
Transfer duty, notary, registry, legal, and bank fees — all in one.
Deposit requirement
See the expected deposit by tax residency, nationality, and first-home status.
Rental yield
For investors: gross and net rental yield after costs and Greek rental tax.
Rent vs buy
Is it better to rent or buy in Greece? Break-even year and net worth over time.
Home price
Down payment
Interest rate
Quoted rate
Final rate (incl. 0.12% levy)
Adjust quoted rate
Includes the 0.12% annual levy under Greek Law 128/1975 on residential mortgages.
Mortgage term
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
The final interest rate shown includes a 0.12% annual levy under Greek Law 128/1975 on residential mortgages.
Your currency
Enter income and debts in your home currency
Monthly household income (net income after taxes)
Existing monthly debt repayments
Total credit card limits (not balance)
Your limit is the maximum amount available to spend, not your current balance. 2% of limits counted as a monthly obligation.
Deposit you can put down
Indicative deposit at this budget: €85,170
Stress-tested interest rate
Quoted rate
Final rate (incl. 0.12% levy)
Adjust quoted rate
Stress test uses the final rate including the 0.12% Law 128/1975 levy.
Mortgage term
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
Estimates use a 40% debt-service ratio, 2% of credit card limits as monthly obligations, and your stress-tested rate (including the Law 128/1975 levy where applicable).
Property value
Purchase price
Deposit
Loan amount
80% LTVPick a deposit % above, or type your own desired loan amount — the two stay in sync.
€30,670
buyer costs
- Purchase price
€300,000 - Loan amount
€240,000 · 80% LTV - Cash to close (est.)
€90,670 · deposit + costs
Transfer Duty
3.09% of property value
Notary Fees
~1.5% of purchase price
Land Registry Fees
Up to 0.9% of property value
Legal Fees
~1.5% of purchase price
Real Estate Agency
~2% of purchase price
Bank Fees
Up to €1,300
Mortgage Security Fee
~1% of loan amount
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
Cost estimates use standard Greek transaction rates. Verify all figures with your lawyer, notary, broker, and lender before committing.
Where are you a tax resident?
What is your nationality?
Is this your first home in Greece?
The reduced first-home deposit applies to Greek tax residents only.
Purchase price
Already own a property in Greece outright?
Did you know you may be eligible to use that property as security to help cover your deposit? Subject to lender approval — ask us if it could work for you. Check your options
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
Deposit figures are indicative GreekHomeLoans guidance based on typical Greek lender LTV policy by tax residency and first-home status — they are not a lending offer, a guarantee, or financial advice. Your actual requirement depends on the lender, the property, your income and full profile. Using an existing property toward your deposit is subject to lender approval and valuation.
Purchase price
Expected monthly rent
Annual running costs
As a % of rent — covers management, maintenance, insurance, ENFIA property tax, and vacancy.
Typical Greek long-term lets run ~20–35% of gross rent; holiday / short-term lets ~35–50%. Excludes mortgage payments and income tax, which are estimated separately.
Base yield on
Switch to “Total invested” to include purchase costs for a true cash-on-cash basis.
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
Yields are indicative and not investment, tax, or financial advice or a guarantee of return. Greek rental income tax is estimated using individual bands (15% / 35% / 45%) on rent after running costs and ignores allowances, joint ownership, and other income; your actual tax and returns depend on your circumstances. Confirm all figures with a qualified accountant and advisor before investing.
Purchase price
Deposit
Mortgage rate
4.0%
Mortgage term
30 yrs
Current monthly rent
What you'd pay to rent a similar home
How long you'll stay
The single biggest factor in rent vs buy
10 yrs
After 10 years
Renting could leave you ~€11,767 better off
Renting stays ahead for all 10 years
- Net worth if you buy€201,998
- Net worth if you rent & invest€213,766
- Upfront to buy (deposit + costs)€90,670
- Monthly: mortgage vs rent (now)€1,146 · €1,000
- Home value in 10 yrs · your equity€403,175 · €214,093
Net worth over time
Buying (equity after selling costs) vs renting and investing the deposit, purchase costs and any monthly difference.
This calculator is provided for informational and illustrative purposes only and does not constitute financial, mortgage, investment, or legal advice. Results are estimates only and do not represent loan approval or lending offers. Lending criteria vary by bank and applicant profile.
This rent-vs-buy comparison is a simplified model for general information only — not financial, tax, investment or legal advice or a guarantee of any outcome. Results are highly sensitive to the assumptions (appreciation, rent growth, investment return), which are uncertain and will differ in reality. It excludes income tax, mortgage tax treatment, and your wider circumstances. Confirm all figures with a qualified Greek accountant and a regulated adviser before deciding.