ENFIA 2025 and Insured Homes

Dear clients,
We would like to inform you about the recent legal changes on ENFIA (the Greek annual property tax) and home insurance, which apply from 2025. These changes concern:
• The ENFIA discount rates for insured homes.
• The grant and reconstruction procedures, as set out in Law 5162/2024
Here are the key points of the new legislation:
1. ENFIA discount rates (articles 10 and 136, par. 10, case a): From 2025, homes insured (against earthquake, flood and fire) with a taxable value of up to €500,000 will get a 20% discount
(up from 10% in 2024).
o For homes with a taxable value above €500,000, the discount stays at 10%.
2. Grants and reconstruction (provision 5A, article 5, Law 4797/2021): Homes with a taxable value above €500,000 will not receive state grants or support for repairs after an earthquake,
a fire from natural causes or a flood, from 1 June 2025.
3. Reconstruction value (article 44, Law 5045/2023): For 2025, the minimum reconstruction value is set at €1,000/m² (up from €900/m² in 2024).
Important dates:
• Citizens can start submitting applications: 13 January 2025
• Insurance companies start their checks: 13 January 2025
• Deadline for citizens to submit or amend applications: 13 February 2025
• Deadline for insurance companies to confirm the insurance or reject the application: 20 February 2025
We encourage you to complete the necessary steps for
your application on myPROPERTY in good time. Make sure the details in your E9 form are up to date and match the address
of the insured home.
We are by your side at every step, to support you and answer any question you may have.