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Residential lease agreement template for Greece

Residential lease (main home) · Ιδιωτικό συμφωνητικό μίσθωσης κατοικίας (κύρια κατοικία)

A private lease for a home that is the tenant's main residence. It sets the parties, the home and its energy certificate, the 3-year minimum term, rent paid by bank transfer, yearly increase, charges, deposit, repairs, an optional early-exit right, return of the home and the AADE declaration.

Use it when an individual lets a flat or house that the tenant will live in as a main home. Greek law has no official model lease, so the parties write their own terms within the Civil Code (arts. 574 ff.) and law 1703/1987. Do not use it for a holiday home, a second home, a short-term let through a platform or a business lease: those follow other rules, and the 3-year minimum term applies only to a main home.

Reviewed October 28, 2026. Not legal advice. Have a notary or lawyer check your case before you sign.

Rules that are changing

  • The bank-only rent rule was due on 1 January 2026 and was postponed several times. On 17 September 2026 AADE moved it to 1 July 2027 (decision A.1187/2026).
  • Check the start date again before you rely on it. Pay by bank transfer in any case.

Key facts

Applies to
Whole country
Minimum term
3 years for a main home, even if a shorter or indefinite term was agreed. It binds both sides (law 1703/1987, art. 2 para. 1).
Shortening the 3 years
A later agreement made at least 6 months after the start and proved by a notarial document (same article).
Ending by agreement
Both sides can end the lease by mutual agreement, for example when the landlord accepts the keys without reservation.
Tenant's early exit
Narrow grounds only, such as a serious health risk from the home (Civil Code art. 588) or a civil servant's transfer (art. 613).
Deposit
No law caps or regulates it. Usually 1 month's rent for older homes, 2 for newer. Returned without interest, not offset against rent.
Rent and increases
Agreed freely. With a term under 3 years and no agreed increase, rent rises yearly by 75% of the CPI change until the 3 years end.
AADE lease declaration
Landlord files by the end of the month after the start. Tenant accepts online within 30 days, or it counts as accepted (AADE A.1068/2025).
Rent payment
Only into a bank account in the landlord's name (law 5222/2025, art. 210). AADE moved the start to 1 July 2027 (decision A.1187/2026).
Yearly rent refund
1/12 of the previous year's declared rent, up to €800 plus €50 per dependent child, paid by the end of each November.
Who gets the refund
Tenants within income and asset limits (law 5217/2025, art. 70; income limits widened by law 5313/2026).
Late rent
Landlord may terminate with at least 1 month's notice for a lease of 1 year or more. Paying arrears and costs in time cancels it (art. 597).
Lease after its term
Indefinite if the tenant stays, known to the landlord and unopposed (art. 611). Monthly rent: 15 days' notice to a month's end (art. 609).

The document

Text shown

You sign the Greek version. The English version helps you understand it. Your answers fill both.

Residential lease (main home)

  1. 1.Parties

    1. 1.1

      Between the following parties: a) Landlord, hereinafter "the landlord", and b) Tenant or co-tenants, hereinafter "the tenant", the following was agreed and mutually accepted.

      Give each party's full name, father's name, ID or passport, ΑΦΜ and address. Each co-owner signs, or one signs with written authority from the others.

    2. 1.2

      Spouse or civil partner of the tenant who will live in the home: Spouse or partner living in the home.

      If the landlord knows it is the family home, a notice not also served on the spouse is void (Civil Code art. 612A). Naming the spouse avoids disputes.

  2. 2.The home

    1. 2.1

      The landlord lets to the tenant, and the tenant rents, Description of the home, located at Address, with an area of Area m², property tax number (ΑΤΑΚ) Property tax identity number (ΑΤΑΚ) and Cadastre code (ΚΑΕΚ) Cadastre code (ΚΑΕΚ), together with the following annexes: Storage, parking and other annexes.

      Take the ΑΤΑΚ from the owner's E9 property return and the ΚΑΕΚ from the Cadastre sheet.

    2. 2.2

      Electricity supply number: Electricity supply number. The home has Energy Performance Certificate number Energy certificate number (ΠΕΑ), energy class Energy class, a copy of which was handed to the tenant.

      The supply number (αριθμός παροχής) is on the electricity bill. The certificate is valid 10 years, and its number goes into the AADE declaration.

    3. 2.3

      The home is let Furnished or unfurnished. The equipment and the condition of the home are described in the handover report, which the parties sign and which forms an integral part of this lease.

  3. 3.Use of the home

    1. 3.1

      The home will be used only as the main residence of the tenant and the tenant's family. Any change of use without the landlord's written consent is prohibited.

      The 3-year minimum term applies only when the home is let as a main residence.

    2. 3.2

      Subletting the home or allowing third parties to use it, in whole or in part, and short-term letting through digital platforms, are prohibited without the landlord's written consent.

      Keep this ban unless you agree otherwise. Without it, Civil Code art. 593 lets the tenant sublet.

  4. 4.Term

    1. 4.1

      The term of the lease is Agreed term, starting on Start date and ending on End date. The parties know that, under article 2 para. 1 of law 1703/1987 as in force, a residential lease lasts at least three (3) years, even if a shorter term was agreed.

      A later agreement made at least 6 months after the start and proved by a notarial document can shorten the 3 years. Mutual agreement ends the lease at any time.

    2. 4.2

      Optional

      The tenant's stay in the home after the lease ends does not create a tacit renewal. Any extension or renewal must be agreed in writing.

      This signals the landlord's intent, but the landlord must still object in time to a tenant who stays on. Delete it if both sides want the lease to roll on.

  5. 5.Rent and payment

    1. 5.1

      The monthly rent is Monthly rent in euros, in figures euros (Monthly rent in words, in Greek euros), payable in advance within the first Payment window days of each rental month.

      5 days is common: the rent is then due in the first 5 days of each month.

    2. 5.2

      The rent is paid only by deposit or transfer to the landlord's bank account with IBAN Landlord's IBAN, declared to AADE, with any transfer charges borne by the tenant, and is proved only by the bank record.

      Law 5222/2025 requires payment into an account in the landlord's own name, declared to AADE. The duty starts on 1 July 2027. Pay by transfer from the start.

  6. 6.Rent increase

    1. 6.1

      The rent is adjusted every year, from the start of the second rental year, by Yearly rent increase of the rent of the previous rental year.

      Agree any increase: a fixed % or a share of the ΕΛΣΤΑΤ consumer price index change. File an amending AADE declaration by the end of the month after a change.

  7. 7.Common charges and utilities

    1. 7.1

      The tenant pays for electricity, water, gas, telephone and internet, and the common charges that fall on the home under the building's regulation, except those that the regulation or the law places on the owner.

      Write in the special terms who pays heating oil for central heating and any building works voted by the owners.

    2. 7.2

      Late payment of the common charges or the utility bills that the tenant must pay has the same consequences as late payment of the rent.

  8. 8.Deposit

    1. 8.1

      Today the tenant pays the landlord, as a deposit to secure performance of this lease, the sum of Deposit euros, equal to Deposit as a number of months' rent months' rent, and by signing this lease the landlord expressly acknowledges receipt.

      The law sets no cap. One or two months' rent is customary. Pay the deposit by bank transfer so there is a record.

    2. 8.2

      The deposit bears no interest and is not offset against rent. It is returned to the tenant within Days to return the deposit days of the return of the home, less any unpaid rent, common charges and bills and the cost of repairing damage beyond normal use.

      The law sets no return period. Final bills often arrive after the move, and about 30 days lets the landlord check them.

  9. 9.Handover and condition

    1. 9.1

      The tenant declares that they visited and inspected the home, found it fit for the use for which they rent it, and take it over in the condition described in the handover report.

  10. 10.Maintenance and repairs

    1. 10.1

      The tenant must use the home with care, keep it clean and in good condition, and carry out at their own cost the minor repairs caused by normal use, such as replacing light bulbs, taps and switches.

      Under Civil Code art. 594, the landlord may end the lease at once if the tenant, despite the landlord's objections, does not treat the home with care.

    2. 10.2

      The landlord pays for repairs caused by age, by defects of the home or by failure of its permanent installations. The tenant must inform the landlord at once of any such fault and give access to repair it.

  11. 11.Alterations and visits

    1. 11.1

      The tenant may not make alterations, additions or changes to the layout of the home without the landlord's written consent. Any improvements remain in the home without compensation, unless otherwise agreed in writing.

    2. 11.2

      Optional

      The landlord may visit the home once a month, by prior arrangement with the tenant, and during the last two months of the lease may show it to prospective tenants or buyers.

      Keep it if the landlord plans to relet or sell. Visits always need the tenant's prior agreement on the time.

  12. 12.Early termination by the tenant

    1. 12.1

      Optional

      The tenant may terminate the lease before it ends, after Months before early exit is allowed months from its start, by written notice to the landlord at least Early-exit notice months before leaving. In that case the tenant owes the landlord compensation equal to Compensation for early exit month's rent.

      Keep it if the tenant may need to move. Courts treat the 3 years as mandatory, so an exit before then may not hold. Ask a lawyer, or plan a mutual agreement.

  13. 13.Late rent and breaches

    1. 13.1

      Late payment of the rent, in whole or in part, entitles the landlord to terminate the lease under article 597 of the Civil Code, to seek return of the home by every lawful means, and to claim damages.

      For a lease of 1 year or more, the notice runs at least 1 month. If the tenant pays the arrears and the notice costs before it ends, the notice has no effect.

  14. 14.Return of the home

    1. 14.1

      When the lease ends, the tenant must return the home in the condition in which it was received, except for wear from normal and agreed use, vacant of people and belongings, and hand over all keys. The return is recorded in a handover report signed by the parties.

      Civil Code arts. 599 and 592.

    2. 14.2

      For as long as the tenant keeps the home after the lease ends, the tenant owes the agreed rent as compensation for use, without prejudice to any further loss of the landlord.

      Civil Code art. 601.

  15. 15.Declaration to AADE

    1. 15.1

      The landlord files the real estate lease information declaration with AADE by the end of the month following the start of the lease, and the tenant accepts it online within thirty (30) days of being notified. Every amendment and the end of the lease are declared the same way.

  16. 16.General terms

    1. 16.1

      Any amendment of this lease can be proved only in writing. The landlord's tolerance of a breach is not a waiver of the landlord's rights. Matters not covered by this lease are governed by the Civil Code provisions on the lease of a thing and by law 1703/1987 as in force.

    2. 16.2

      Optional

      Notices between the parties are given in writing to the addresses in this lease or by email to Email addresses for notices.

      Email is convenient for day-to-day matters. For a termination or a formal demand, use service by a court bailiff (δικαστικός επιμελητής) so the date is proved.

    3. 16.3

      Special terms: Other special terms.

      Use it for pets, heating oil or garden care.

  17. 17.Signatures

    1. 17.1

      In witness whereof this lease was drawn up in Number of originals identical originals, signed by the parties, and each party received one. Attached: a copy of the Energy Performance Certificate and the handover report. Place: Place of signature. Date: Date of signature. The landlord. The tenant.

      Sign one original per party.

Fill in the details

0/32
1.Parties
2.The home
Energy class
Furnished or unfurnished
4.Term
5.Rent and payment
6.Rent increase
8.Deposit
12.Early termination by the tenant
16.General terms
17.Signatures

Formalities

  1. The law requires no form, but a signed written lease is the norm and the only practical proof.
  2. Sign two originals, one for each party. No notary, witness or stamp duty is needed. Stamp duty on residential rents ended on 1 January 2008.
  3. The landlord files the lease declaration (δήλωση πληροφοριακών στοιχείων μίσθωσης) on AADE's online system by the end of the month after the start.
  4. The declaration gives the tax numbers of both sides and the energy certificate number.
  5. Each tenant accepts or rejects it online within 30 days of the notice. Silence counts as acceptance.
  6. The tenant needs the accepted declaration to connect electricity and to change tax address.
  7. Give the tenant a copy of the energy performance certificate (ΠΕΑ).
  8. Declare any change, extension or end of the lease on the same system by the end of the following month.

Common mistakes

  • Agreeing a 1-year or 2-year term and expecting the tenant to leave at its end. For a main home the lease runs 3 years whatever it says, for both sides.
  • Leaving early without a legal or contractual right. The tenant still owes the rent to the end of the term.
  • Paying rent in cash. From 1 July 2027 the tenant then loses the yearly refund and every state rent benefit for the lease, and the landlord a tax deduction.
  • Forgetting the AADE declaration or its acceptance. The tenant then cannot use the lease for utilities or tax purposes and gets no rent refund.
  • Letting without a valid energy certificate. Its number goes into the AADE declaration. A missing one can bring a €200 to €10,000 fine (law 4122/2013, art. 20).
  • Using the deposit as the last month's rent. The deposit is not offset against rent unless both sides agree in writing.
  • Leaving the spouse out when the home is the family home. If the landlord knows this, a notice not also served on the spouse is void (Civil Code art. 612A).

Legal basis

  • Αστικός Κώδικας (Civil Code), arts. 574 to 618 (lease of a thing), in particular arts. 588, 592, 593, 594, 595, 597, 599, 601, 608, 609, 611, 612A and 613
  • Ν. 1703/1987 (ΦΕΚ Α' 78/27.5.1987), art. 2 para. 1 (3-year minimum for a main home)
  • Ν. 2235/1994 (ΦΕΚ Α' 145/1.9.1994), art. 1 para. 5 (replaces art. 2 para. 1 of law 1703/1987)
  • Ν. 5222/2025 (ΦΕΚ Α' 134/28.7.2025), art. 210 (rent paid into the landlord's bank account; adds art. 39 para. 5 to the Income Tax Code)
  • Ν. 4122/2013 (ΦΕΚ Α' 42/19.2.2013) on the energy performance of buildings (energy performance certificate)

Sources

  • Οδηγίες για τη χρήση της εφαρμογής δήλωσης πληροφοριακών στοιχείων μίσθωσης (deadlines for initial, amending and end-of-lease declarations)
  • Επιστροφή ενοικίου (amount, cap and income limits as widened by law 5313/2026)
  • Δηλώσεις μίσθωσης ακινήτων
  • Προθεσμία 30 ημερών σε μισθωτές και συνιδιοκτήτες για αποδοχή των μισθωτηρίων (Α.1068/2025)
  • Συχνές ερωτήσεις: Επιστροφή ενοικίου (άρθρο 70 ν. 5217/2025)
  • Μισθώσεις κατοικιών
  • Για ενοικιαστές
  • Συχνές ερωτήσεις (stamp duty on leases)
  • Εγκύκλιος ΠΟΜΙΔΑ για την υποχρεωτική τραπεζική καταβολή των ενοικίων
  • ΑΑΔΕ: Από 1/7/2027 η υποχρεωτική πληρωμή ενοικίων μέσω τράπεζας (A.1187/2026)
  • Μίσθωση κατοικίας (νομολογία): art. 2 para. 1 of law 1703/1987 survives the lapse of the rest of the law (ΑΠ 1101/2002)
  • Μίσθωση κατοικίας και δυνατότητα αποχώρησης πριν από την παρέλευση της τριετίας με αντισυμφωνία
  • Καταγγελία μίσθωσης κατοικίας και υποχρεωτική διάρκεια
  • Μίσθωση κατοικίας (διάρκεια, μίσθωμα, λήξη, καταγγελία)
  • Ταυτότητα Κτιρίου - ΠΕΑ

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