Ο πρωθυπουργός είναι έτοιμος να αποκαλύψει τις προθέσεις του σχετικά με τη νέα στρατηγική της στεγαστικής πολιτικής, καθώς και ένα ευρύτερο σύνολο οικονομικών μέτρων, ενόψει της φετινής ΔΕΘ. Το ενδιαφέρον εστιάζεται στην τρίτη φάση των προσιτών στεγαστικών δανείων στο Σπίτι μου 3, δεδομένου ότι η κρίση στον τομέα της στέγασης παραμένει ψηλά στην κυβερνητική ατζέντα. Παράλληλα, έχουν ήδη «κλειδώσει» σημαντικές παρεμβάσεις που αφορούν συνταξιούχους, ελεύθερους επαγγελματίες και μισθωτούς, διαμορφώνοντας το πλαίσιο των φετινών ανακοινώσεων.
Η ολοκλήρωση του δεύτερου κύκλου των στεγαστικών δανείων στα τέλη Αυγούστου άφησε έντονα σημάδια στην αγορά,η οποία τώρα περιμένει τις νέες κινήσεις. Ο Κυριάκος Μητσοτάκης, από τον Ιούλιο κιόλας, είχε αρχίσει να προετοιμάζει το έδαφος για έναν τρίτο κύκλο.
Τα στοιχεία δείχνουν τη δυναμική του εγχειρήματος: οι προηγούμενες φάσεις επέτρεψαν σε πάνω από 23.000 νοικοκυριά να αποκτήσουν την κατοικία τους. Ειδικότερα, η συμβασιοποίηση του «Σπίτι μου ΙΙ» ολοκληρώθηκε με 15.097 εγκεκριμένα δάνεια συνολικού ύψους 1,82 δισ. ευρώ, καλύπτοντας το 94,5% του διαθέσιμου προϋπολογισμού. Στην πράξη υπογράφηκαν 14.114 συμβάσεις (1,54 δισ. ευρώ),κινητοποιώντας κεφάλαια άνω των 2,15 δισ. ευρώ στην κτηματαγορά. Η μέση αξία κάθε δανείου ανήλθε στις 120.400 ευρώ, με κρατική στήριξη που αγγίζει τα 943 εκατ. ευρώ. Το προφίλ των δικαιούχων δείχνει ότι το 66% είχε εισόδημα έως και 24 χιλιάδες ευρώ (με μέσο όρο τα 21 χιλιάδες), ενώ η μέση ηλικία ήταν τα 38 χρόνια· επιπλέον το γεγονός ότι το 37% των ακινήτων βρισκόταν εκτός Αττικής και Κεντρικής Μακεδονίας αποδεικνύει την ισχυρή περιφερειακή διάσταση.
Schemes for “Σπίτι μου III”
The future planning is detailed in the NATIONAL STRATEGY FOR HOUSING POLICY FROM2026 TO2035, which includes the expansion of the “Σπίτι Μου” program.The budget for this new phase is estimated at €500 million and aims to cover around16 thousand potential beneficiaries.
This new version is expected to incorporate critical corrective measures to alleviate barriers identified in previous phases.
A significant issue from the past was theThe restrictions on purchasing homes built after2007 (combined with a cap of€250 thousand in value and150 square meters in area) severely limited supply.The result was an artificial price increase in several areas due to a lack of available housing.Hence it is highly likely that eligibility will be expanded to include newer buildings either by completely removing or adjusting this specific time frame cutoff.
the relaxation of income criteria is also under consideration so that households previously just outside eligibility can participate.In contrast,the age limit of55 years has less chance of being revised as the main government focus remains on supporting young people,couples,and families struggling with market conditions.
A New Funding Model Without Direct Subsidies
The most crucial change for future funding concerns how financing will be structured.Previous programs relied heavily on resources from Recovery Fund;the new strategy introduces a different model.Instead of direct state or community subsidies for interest rates,targeted tax reliefs will be provided to banking institutions.This tax incentive allows banks to offer housing loans at significantly reduced interest rates for eligible recipients.The goal behind this architecture is creating a permanent mechanism for affordable lending autonomous from emergency European funds.
This broader housing package will also include new renovation subsidy programs aimed at bringing closed apartments back into circulation as well as strong incentives for long-term property rentals.On the front regarding non-performing loans improvements are being promoted within extrajudicial mechanisms aiming at faster and more automated production viable arrangements those facing losing their primary residence.
Certain Measures Regarding Pensions,Wages,and Taxes
The government agenda in Thessaloniki does not only focus on housing but aims present“measures everyone”that will gradually unfold until2027.For retirees,a locked-in increase annual permanent allowancewould rise every November from300to400(or450) euros aiming reach44687 euros national pension by2030.Furthermore,the scope beneficiaries would expand include retirees under65 years old.Additional changes involve abolishing personal differences and introducing new interventions Solidarity Contribution Pensioners.
A fresh hike minimum wage expected within2027 ranging between40and50euros pushing basic earnings levels960-970euros.This particular increase counteract inflation while impacting both public sector salaries numerous social benefits.
Pivotal developments are also anticipated free professionals businesses.Cancellation Business Tax legal entities considered certain while advance tax payments begin gradually decrease adjusted available fiscal space2027 estimated1 billion euro.Additionally further reductions social security contributions gradual elimination deemed taxation through utilization digital systems algorithms assessing actual tax behaviour.
Schemes Concerning13th Salary,Families,Agriculture
Beyond finalized measures intense discussions revolve establishing annual bonus400-500euros public servants starting2027 informally functioning like payment“half13th salary.”In daily life serious consideration given increasing daily value food card vouchers currently6euros up8or10tax-free.P
An emphasis placed demographic issues scenarios suggesta complete equalization third children families with large families along increased child benefit relaxing income asset criteria allowing more households qualify.
A separate chapter announcements expected dedicated agricultural sector.Agricultural community anticipates targeted interventions subsidizing fertilizers primarily focusing stabilizing return Special consumption tax agricultural diesel ensuring food security alleviating high production costs.