Supporting documents for a mortgage loan

Documents for Greek citizens

1. Identification documents

• Valid national ID card or passport.

2. Income

For employees and pensioners:

• Tax clearance note of the last fiscal year
• Income tax return (form E1) of the last fiscal year
• For employees: latest pay slip or official certificate of earnings from the company's accounting department (not handwritten), which must include detailed professional information, date of hiring, gross and net earnings, insurance contributions, tax, etc.
• For pensioners: quarterly/monthly pension statement or the latest pension payment slip or pension award decision in cases where a pension application has been submitted

 For freelancers / business owners / farmers & livestock breeders:

• Tax clearance notes for the last two (2) fiscal years
• Income tax return (form E1) for the most recent fiscal year
• Documents for the last two (2) fiscal years proving the turnover of a sole proprietorship, general partnership (O.E.) limited liability company (E.P.E.), etc. (form E3 or form N)
• Dividend distribution certificate, if there is participation in a company
  

3.  Additional documents for financial pre-approval:

• If there is real estate property: form E9 and form E2 for the most recent fiscal year, if there is income from real estate
• For repayment of a mortgage loan from another bank: bank statement or the two (2) most recent mortgage loan statements
  

Notes:

• During the evaluation of the application, additional documents/information may be required
• Identification and income documentation must be provided for all parties involved in the loan (borrower/co-borrower/guarantor)

Documents for economic migrants & residents abroad

1. Identification:

For citizens of EU Member States & residents abroad:

• Valid passport or national ID card from your country (with Latin characters)

For all other categories of economic migrants:

• Valid residence permit or a valid passport from your country or
• Special identity card for individuals of Greek descent (in case of Greek nationality) or
• Foreigner's identity card (in case of non-Greek nationality)

2. Income documentation:

For employees and pensioners:

• Tax clearance statements for the last three (3) fiscal years
• Income tax return (form E1) for the most recent fiscal year
• Electricity and landline or mobile phone bill, if the residential address stated in the loan application differs from the one on the tax clearance statement
• For employees: Latest pay slip or official certificate or earnings from the company's accounting department (not handwritten), which must include detailed professional information, date of hire, gross and net earnings, insurance contributions, tax, etc.
• For pensioners: Quarterly/monthly pension clearance statement or the latest pension payment slip or pension award decision (in cases where a pension application has been submitted)

For self-employed professionals / business owners / farmers & livestock breeders:

• Tax clearance statements for the last three (3) fiscal years
  
•  Income tax return (Form E1) for the most recent fiscal year
  
•  Documents for the last three (3) fiscal years proving the turnover of the sole proprietorship, general partnership (O.E.), limited liability company (E.P.E.), etc. (form E3 or form N)
•  Dividend distribution certificate, if there is participation in a company

For employees and pensioners:

• Tax clearance statements for the last two (2) fiscal years from the country of residence
• Latest pay slip / pension statement from the country of residence

For self-employed professionals / business owners / farmers & livestock breeders:

• Tax clearance statements for the last two (2) fiscal years from the country of residence
• Proof of business profits and turnover for the last two (2) fiscal years from the country of residence
• Documents for transactional behavior assessment (e.g., from Experian). Specifically, residents of the U.S. must submit credit reports from Experian (www.experian.com) & TransUnion (www.transunion.com)

Note: 

Documents submitted from the country of residence must be original or legally certified copies and translated into Greek or English by an official public authority (Greek Embassy or Consulate), the Notary Public of the respective country, or a lawyer practicing in Greece.

4. Additional Documents for Financial Pre-Approval:

• If there is real estate property: form E9 and form E2 for the most recent fiscal year, if there is income from property
• For repayment of a mortgage loan from another bank: bank statement or the two (2) most recent mortgage loan statements

Notes:

• During the evaluation of the application, additional documents/information may be requested
• Identification and income documentation is required from every party involved in the loan (borrower/co-borrower/guarantor)