Anakainisi Katoikias 2026 (Anakainizo): what to prepare NOW + the mistakes that cut your subsidy

This is an indicative estimate and does not bind the managing authority of the Anakainisi Katoikias programme.

The Anakainisi Katoikias programme (also known as Anakainizo 2026) runs in stages: the eligibility pre-check on the anakainisi.apps.gov.gr platform has been live since 15 June 2026, while final financing applications open on 1 September 2026. The total budget is 479.8 million € and funding is allocated until it runs out — whoever has their file ready gets in first and loses none of the subsidy. Below: what to prepare from today and the 6 mistakes that cut or reduce the amount.

The timeline: why "now" means now

Preparing is not about rushing — it is about strategy. The key dates:

• 15 June 2026 — the anakainisi.apps.gov.gr platform opened for the eligibility pre-check (automated cross-checks with the tax authority and the electricity provider).
• 1 September 2026 — submission of final financing applications begins.
• Completion of works within 18 months of the approval decision and no later than 31.12.2028 (article 11 §2).

Because funding runs until the budget is exhausted, time counts twice: those with a ready technical file apply earlier, and engineers and energy inspectors fill up as September approaches. The work you do in June is what puts you ahead in September. See all the programme's deadlines & dates in detail.

Checklist: what to prepare from today

A. Check now whether you qualify

• Building permit issued up to 31.12.1990
• Area up to 120 m² (up to 150 m² for families with three or more children)
• Energy class Γ or lower (Γ–Η) on the first ΠΕΑ
• You are the owner of the dwelling
• Income within the limits: single up to 25,000 €, couple up to 35,000 €, single-parent up to 39,000 € (+5,000 € per child)

If your 2025 income is over the limit, you do not automatically lose eligibility: the average of the last three years (2023, 2024, 2025) is checked too. See in detail whether you pass in the eligibility check.

B. Gather the documents

Start collecting your file now, so you are not scrambling at the last minute:

• Tax clearance from your latest return (tax year 2025).
• Title deed and E9 declaration.
• Building permit (up to 31.12.1990) or a legality / regularisation certificate.
• Electricity consumption records (the programme targets closed dwellings).

The full list of supporting documents is specified in the Implementation Guide — but the items above are fixed and you will need them anyway.

C. Pick your engineer and energy inspector early

The engineer is the key person: they prepare the technical file, issue the Electronic Building Identity (ΗΤΚ) and coordinate the first ΠΕΑ before the works. The good news: their fee, the ΗΤΚ, the two ΠΕΑ (before and after) and the permits are covered 100% up to 2,500 €, and on top of the 36,000 € ceiling (article 6 §5). The earlier you book, the more comfortably you reach 1 September ready.

The 6 mistakes that cut or reduce the subsidy

1. You don't check the property's legality

Why it cuts: if there are unauthorised structures without regularisation, or no building permit (up to 31.12.1990), the property stays out — however good the renovation plan is. How to avoid it: ask an engineer for a legality check now, regularise if needed and issue the ΗΤΚ. It is the most common reason for rejection in previous programmes and the slowest to fix.

2. You delay the ΠΕΑ or have the wrong energy class

Why it cuts: the first ΠΕΑ must show class Γ or lower (Γ–Η). If the property is already class Β or better, it is not eligible. And after the works, an improvement of at least one class must be proven — otherwise the subsidy is not paid out. How to avoid it: issue the first ΠΕΑ early so you know where you stand, and design the works to secure the upgrade.

3. The wrong works mix (energy measures below 20%)

Why it cuts: the programme requires energy measures (insulation, windows, heat pump, etc.) to be 20–40% of the budget and the rest of the renovation 60–80% (article 6 §3). If you pour the whole amount into a kitchen and bathroom with no energy component, the application fails. How to avoid it: ask your engineer to balance the budget from the start.

4. A duplicate application or overlap with another programme

Why it cuts: the same property cannot be declared in two applications, nor take part in another energy programme at the same time (e.g. Exoikonomo). In the previous Anakainizo–Noikiazo scheme, 2,978 applications were withdrawn over duplicate entries. How to avoid it: make sure there is no active application for the same property in another action before you submit.

5. You exceed 120 m² or miscalculate the subsidised area

Why it reduces: the ceiling is 36,000 € (300 €/m² × 120 m²) — flat, with no per-child top-up. Area above 120 m² is not subsidised (families with three or more children reach 150 m², but the extra 30 m² stay outside the subsidy). How to avoid it: work out the real amount and your own share in advance with our calculator, so you don't misjudge it.

6. You leave the deadlines to the last minute

Why it costs you: funding is allocated until the budget runs out, and works must be completed within 18 months and by 31.12.2028. Those who leave the ΠΕΑ, ΗΤΚ and documents for August find engineers fully booked and risk being left out. How to avoid it: lock in the appointments and the file over the summer.

How much you get and how much you pay

The subsidy covers 80% (income category I) or 70% (category II) of the eligible cost, with a +5 percentage point top-up per vulnerable group (mountain/island area, single-parent or large family, ΑμεΑ) — up to 95% for category I and 85% for category II. An indicative example for a renovation at the ceiling:

See your own number — gross amount, subsidy and final payment — in about 3 minutes, free and with no sign-up, using our calculator.

What applies after the renovation (5-year commitments)

The subsidy comes with commitments that, if breached, trigger a pro-rata repayment of the amount (article 5). It is worth knowing them before you start:

• Keep the use — owner-occupied or long-term rental — for at least 5 years from completion.
• For rentals: a fixed rent for the first 3 years, with no increase between successive contracts.
• A ban on short-term (Airbnb-type) letting, subletting and business leases for the 5 years.
• Register the lease in good time; vacancy gaps cannot exceed 11 months in total over the five years.

What is still pending

Some details are specified in the Implementation Guide and should not be treated as final until then: the exact disability threshold for the ΑμεΑ top-up, the official list of mountain/island areas and the full list of supporting documents. The core criteria, amounts and dates, however, already apply under ΚΥΑ 86272/ΕΞ2026.