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Oct 2026
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> non-performing loans

> non-performing loans

What changes for borrowers with non-performing loans: Interest caps and a crackdown on foreclosures

Total claims capped at two or three times the original principal, automatic debt recalculations and new obligations for banks and loan servicers

All the new rules for non-performing loans: Timelines and procedures under the new draft law

The new bill provides for stricter supervision of servicers, digital recording of negotiations, a six-month deadline for restructuring, suspension of interest in cases of violations, and enhanced protection for debtors against foreclosures and seizures by creditors

Out-of-court mechanism: 81% increase in arrangements with 2,500 vulnerable families benefiting

More than 28,000 arrangements for debts of €9.49 billion since the launch of the mechanism - Historic low in non-performing loans with an index of 4.6% in 2024

Greek government and banks agree for protection of main residence

The new legal framework will be introduced to parliament