Specifically, from 2025 and for subsequent years, the following applies:
→ 20% ENFIA reduction for residences with a taxable value up to 500,000 euros, provided they are insured for one (1) year against earthquake, fire, and flood.
→ 10% ENFIA reduction for residences with a taxable value exceeding 500,000 euros, under the same insurance conditions.

The procedure for granting the ENFIA reduction is defined as follows:

1. Insurance companies sent to AADE, by January 10, the details of residential insurance policies that cover the risks of earthquake, fire, and flood and were in effect during 2024.

2. Applications for the ENFIA reduction, as well as any amendments or corrections, are submitted by February 14 on the myAADE digital portal (myaade.gov.gr), following the path: Applications > Popular Applications > myPROPERTY > ENFIA Reduction for Insured Residences.

3. Insurance companies confirm the data by February 28.

4. AADE verifies that the conditions for granting the ENFIA reduction are met, which is then granted to beneficiaries upon its first central assessment.

ENFIA: Conditions to Secure the Reduction

• The insurance must CUMULATIVELY cover natural disasters: earthquake, fire, flood
• The property must be insured for THE ENTIRE previous year
• Otherwise, a reduced reduction is provided depending on the months of insurance
• Minimum insurance duration: 3 MONTHS
• The insurance must cover the TOTAL value of the property

• The residence must be insured with an insurance company that is REGISTERED in the Register of Insurance Companies

ENFIA 2025: The Changes

• Repayment in 12 equal monthly installments (instead of 11)

-1st installment: by March 31