Increased demand for mortgages, mainly due to the implementation of my home II program, are awaiting credit institutions for the first quarter of 2025.

According to the latest data released by Deputy Minister of National Economy Nikos Papathanassis, 71,374 applications have been submitted to Gov.gr in my home program II.

50% of applications account for incomes of up to 24,000 and 50% for incomes from 24,000 to 36,000.

In terms of age distribution, 50% relates to 37 -year -old fellow citizens, ie 25 to 37 and 50% from 37 to 50 years.

The processing of data so far shows that about 40,000 are concerned.

These applications have received an eligibility certificate of about 500.

Banks: Increased demand for mortgage loans

According to a Bank of Greece banking survey for the fourth quarter 2024, demand for mortgage loans has been almost unchanged, and remained unchanged for consumer.

For the first quarter of 2025, demand for mortgages is expected to increase, Due to the program “My Home II”, it is expected to remain unchanged for consumer loans.

In the fourth quarter of 2024, the ratio of applications for mortgages and consumer loans rejected remains unchanged.

Concerning loans to businesses for the first quarter of 2025, banks estimate that demand from non -financial enterprises (MSE) will remain almost unchanged, although the demand for short -term loans is expected to increase.

In the fourth quarter of 2024, the criteria for lending to non -financial companies remained unchanged compared to the third quarter of 2024, a development in line with the expectations formulated in the previous quarter research. In addition, banks estimate that the criteria will remain unchanged during the first quarter of 2025.

The total terms of lending to the MSE also remained unchanged compared to the third quarter of 2024, although, due to the improvement of the liquidity and the general financial situation of the banks, the interest rates and the margin of banks for the usual banks were reduced. loans.

In the fourth quarter of 2024, the overall demand for loans from the MSE, and in particular long -term loans, mainly due to the funding of “special purpose companies” to form inventory and traffic funds, has not been increased.