The program is being implemented with an undiminished pace My house 2funded by the recovery and durability fund, and already, within the first 2.5 months, there are 4356 active 520m -euro subcontracts that will be directed as loans To citizens for the acquisition of first residence, with a total budget of € 2 billion, ie 26% of the program.
In practice, this means that the person concerned has been assured that he is eligible for a loan for my home 2 program, has received a pre -approval from a banking institution, has found a residence based on the characteristics of the program (including the electronic building identity) and has proceeded with his request to the Hellenic Development Bank.
The corresponding period of operation of my home program 1 had been subject to 3381 loans.
45% of already approved loans within my home 2 is for beneficiaries up to 37 years of age, 60% of married people, 58% to beneficiaries with incomes of 12,000 to 24,000 euros, while 440 loans with an additional interest rate subsidy to three-thirds.
My home program 2 concerns our fellow citizens throughout the territory. Thus, 1063 loans of 123,795,550 euros in the Region of Central Macedonia have been approved, 331 loans of EUR 35,537,300 in the Region of Eastern Macedonia & Thrace, 314 loans of EUR 35,253,100 in the Region of Thessaly, EUR 25,24,000 in the Region EUR 18,333,800 in the Region of Epirus, 153 loans of 17,823,250 in the Peloponnese Region, 148 loans of EUR 13,223,950 in the Region of Western Macedonia, 128 loans of EUR 14,332,400 in the Region of Central Greece, 101 loans of EUR 13,083,700. Loans of EUR 6,237,300 in the South Aegean Region, 34 loans of EUR 4,081,800 in the Ionian Islands Region, 34 loans of EUR 3,420,000 in the North Aegean Region, and 1611 loans of 208,857,800 euros in the region of Attica.
Also, according to official figures, the average of each loan amounts to 119,000 euros, the average commercial value of each home is 157,000 euros, the average year in 1983 and the average of 89 sq.m.
It should be noted that against my first respective home program 1, in my home 2: The budget is 100%increased. The age criteria have been expanded from 39 to 50 years. Like income, from 16,000 to 20,000 for unmarried, from 24,000 to 28,000 for a couple, adding an additional 4,000 for each child after the first (versus 3,000 in my home 1), and at 31,000 versus 27,000 with an additional 5,000 (versus 3,000 in my home 1), for each child after the first for the single parent. There is also special concern for three -and -large families (the interest rate of interest is 75%) and for dear families.
It is emphasized that for the first time, applications for loan eligibility were made digitally through gov.gr. The interoperable application with the Citizens’ Registry (demographics) and AADE (tax data) allows, as early as 15 January 2025, when it has been put into operation, the candidates for the beneficiaries of the program can easily and in real time to check whether they meet income and age criteria. It is noted that already 158,000 citizens have applied for eligibility for the program to the implementation of Gov.gr, of which more than 90,000 have been deemed eligible in principle.
The signing of the contracts is normally evolving.
My home program 2 is part of the government’s 40 broader government interventions of 6.5 billion euros, with the aim of alleviating the impact of the housing crisis, which is a multidimensional pan -European phenomenon.
It is also emphasized that the orientation of government interventions, along with increasing demand for the first time, aims to increase supply. Through social consideration, it seeks to increase the available real estate, to provide a social rent to our vulnerable fellow citizens with a guaranteed lower rent than the state, and of course, the utilization of unused public property, which remains untapped for years.