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Prosperty, having developed the first technological platform for mortgage pre-approval in Greece (e-stegastiko), collaborates with FinTHESIS to provide comprehensive mediation and mortgage pre-approval services. Our trusted partner ensures all necessary procedures are handled efficiently and reliably, from the loan application submission to pre-approval and final disbursement.
We locate all available properties that meet your criteria and notify you with automatic emails for every new property that matches your needs.
With our technological platform e-stegastiko and our partnership with FinTHESIS, you secure the necessary financing through a low-interest mortgage and and are ready to proceed with the purchase of the property you desire.
This program provides low-interest mortgage loans for the purchase of a first home. Its goal is to make it easier for individuals to acquire their first property by utilizing funds from the loan component of the Recovery Fund.
More details can be found on the official website of the Ministry
I am completely satisfied with my collaboration with Prosperty as they helped me with the Renovate & Rent program. The prices were very affordable, and we worked with the best professionals in the renovation field. Thanks to the excellent work done, we managed to increase the rental income by 35%!
Katerina S.
I want to thank Prosperty for the excellent service! I found my home and received the mortgage through the MY HOME 2 program quickly and stress-free. The team was by my side every step of the way.
I want to thank Prosperty for helping me find my home! I was hesitant to trust other market professionals, as I wanted to be sure that my partner would handle all the processes and show me legally verified properties. The Prosperty team guided me every step of the way and supported me all the way to the completion of the contract. They were truly amazing!
I want to thank Prosperty for the excellent service! I found my home and received the mortgage through the My Home II program quickly and stress-free. The team was by my side every step of the way.
I want to thank Prosperty for helping me find my home! I was hesitant to trust other market professionals, as I wanted to be sure that my partner would handle all the processes and show me legally verified properties. The Prosperty team guided me every step of the way and supported me all the way to the completion of the contract. They were truly amazing!
I am completely satisfied with my collaboration with Prosperty as they helped me with the Renovate & Rent program. The prices were very affordable, and we worked with the best professionals in the renovation field. Thanks to the excellent work done, we managed to increase the rental income by 35%!
Prosperty helps you at every stage of the Home 2 process: From the pre-approval of the mortgage and finding a property through an extensive network of 60,000 properties in the Home 2 program, to the daily updates on any new property on the market that matches your needs. Through our experienced partners and affiliated certified real estate agencies, we ensure the prompt recommendation of the property. We also handle the signing of the agreement, the final approval and disbursement of the loan, and if you need renovation, we complete the entire process in collaboration with Douleutaras, the number 1 provider of home services and solutions.
The maximum mortgage amount granted is 190,000€. The mortgage covers up to 90% of the property value as specified in the purchase contract.
In practice, this means that if the property value is 200,000€, the maximum mortgage amount will be 180,000€ (90% of the value). The borrower will then need to contribute at least 20,000€ from their own funds.
If the property value is 250,000€, the mortgage will be capped at the maximum limit of 190,000€, and the borrower will need to cover the remaining amount.
The mortgage duration under the program My home 2 can range from:
3 years (minimum duration), to
30 years (maximum duration).
The program is open to: Individuals aged 25 to 50 years at the time of submitting the mortgage application. Spouses or individuals in a civil partnership, provided that at least one of the two is aged 25 to 50 years at the time of the mortgage application.
Eligibility also requires that applicants:
The budget of the program My home 2 is structured as follows:
Total Budget: 2 billion€.
Sources of Funding:
1€ billion from the Recovery Fund, with zero interest rate.
1€ billion from credit institutions.
This budget supports the financing of 20,000 beneficiaries for the purchase of their first home.
The mortgage duration under the program My home 2 can range from:
3 years (minimum duration) to
30 years (maximum duration).
The Program supports financing for a property that:
The purchase of the property cannot be made by a blood relative or relative by marriage (1st or 2nd degree) of the seller.
Additionally, the purchase cannot be made by a spouse or a person in a civil union with the seller.
To confirm that the property is not being purchased by a blood relative or relative by marriage (1st or 2nd degree) of the seller, or by a spouse or a person in a civil union with the seller, a relevant civil union agreement and a family status certificate for both the buyer and seller, as well as for their spouses/partners in a civil union, are required. This applies to both the paternal and maternal sides of their families, regardless of whether the mortgage application is submitted jointly or by one of the two parties.
In cases where providing these documents is impossible, a responsible statement, as per Article 8 of Law 1599/1986, from both the buyer and seller, declaring that there is no blood relationship or relationship of marriage (1st or 2nd degree), or civil union, between them, will be accepted.
Unfinished properties are not eligible for the program.
If the property has an existing mortgage, it can be financed through the program, following the usual bank procedure. Specifically, the bank will issue a check to pay off the previous mortgage and will confirm that it agrees to remove the lien and has no further claims.
In case the property has already been included in an approved application of another beneficiary, the applicant, if desired, can search for another property and submit a new application for inclusion in the program for it.
The borrower has the option to partially or fully repay the mortgage before the maturity date without any penalty or additional charges.
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