Until Monday, ENFIA’s clearances will be posted for 7 million property owners, who will have to pay over 2 billion euros by February 2026.

ENFIA for 2025 will be paid in 12 monthly installments, with the first being paid at the end of March 2025.

ENFIA’s winners for 2025 will be homeowners of up to 500,000 euros, which are insured against earthquake, fire and flood. For these owners, the discount on ENFIA will double, reaching 20%, from 10% this year.

On the contrary, there will be no change in homeowners worth more than 500,000 euros. For them, the discount will remain at 10%.

In order to benefit the owners of insured residences from the tax deduction, the following conditions must be met:

  • Risk coverage: Home insurance must cover earthquake, fire and flood. If any of these covers is missing, the discount is lost.
  • Insurance Duration: Insurance must apply to the previous year and have a duration of at least three months. If the duration is shorter than the year, the discount is calculated proportionally.
  • Minimum coverage: If the insurance is valid for less than 90 days within the year, no discount is provided.
  • Discount Calculation: The deduction is applied to the total amount of the main and supplementary tax on property.
  • Coverage Value: Insurance must cover the full value of the property, as determined by the renovation value of the building or buildings, without including the value of the plot.