Mortgage in Greece for Foreigners in 2026: Can You Get a Real Estate Loan?

Buying real estate in Greece is becoming increasingly accessible not only to European Union residents but also to international investors. One of the most common questions from buyers is whether it is possible to get a mortgage from a Greek bank and under what conditions.

Today, a number of Greek banks review applications from foreign citizens, provided they can prove their income, source of funds, and pass bank compliance checks. The amount of financing and lending terms depend on the borrower’s financial situation and the chosen property.

If you are just planning to buy an apartment, villa, or land plot, AILIT Group specialists will help you select a suitable property and calculate the most advantageous financing scheme. Learn more about the company’s services on the official website.

Do Greek Banks Grant Mortgages to Foreigners?

Yes, in most cases foreign citizens can obtain a mortgage loan. Banks review applications from clients from EU countries, the UK, the USA, Israel, Kazakhstan, and other states.

Typically, the bank analyzes:

• official income level;
• credit history;
• source of funds;
• cost of the acquired real estate.

Most often, a foreign buyer needs to contribute 30–40% of their own funds, while the remaining amount can be financed by the bank upon application approval.

Is It Possible to Get a Construction Loan?

If construction is carried out under an official project with a valid permit, some banks are willing to finance construction in stages.

This is why many investors first purchase a plot, then develop a project, and only after that apply for financing.

AILIT Group accompanies clients at every stage: helping to choose a land plot, develop an architectural project, obtain a building permit, and build a turnkey property. Examples of ongoing and investment projects can be found in the projects section.

What Documents Are Required?

Typically, banks request:

• passport;
• tax number (AFM);
• proof of income;
• bank statements;
• documents proving the source of funds;
• information about the property being purchased.

In certain cases, additional documents may be required as part of the compliance check.

Why Is It Important to Work with a Professional Consultant?

Obtaining a mortgage in another country involves not only bank procedures, but also legal, tax, and construction matters.

AILIT Group provides a full range of services:

• selection of apartments, villas, and land plots;
• investment consulting;
• assistance with real estate purchases;
• support when interacting with banks;
• architectural design;
• residential and commercial construction;
• assistance with obtaining the Golden Visa;
• tax and investment consultations.

By working with one company, the investor receives end-to-end support from property selection to completion of construction and subsequent property management.

If you are considering buying real estate or building your own project in Greece, AILIT Group specialists are ready to consult with you and find the optimal solution. You can contact the company via the contact form.

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Article verified by Alexey Fatuev — expert in real estate construction and development in Greece.