ホーム 移住ガイド ギリシャ

海外移住ガイド：2026年のギリシャ生活

Greece offers a compelling combination: Mediterranean lifestyle, ancient culture, excellent climate, affordable cost of living by EU standards, world-class cuisine and a strong expat community. The Financially Independent Person visa and a generous non-dom tax regime make it increasingly attractive to retirees and remote workers.

最終更新：2026年3月 — 編集チーム, eVisa-Card.com

ギリシャ概要

首都Athens
通貨Euro (€)
言語Greek
月額費用~$1,500–3,000/month

📋 目次

  1. ビザ・在留資格
  2. 医療
  3. 健康保険
  4. 銀行口座
  5. 不動産購入
  6. 税制・財政亡命

🛂 ビザ・在留資格オプション

ビザの種類詳細
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000/month (€250 per additional adult, €150 per child). いいえ work in Greece allowed. 2-year renewable permit. Must spend 183 days/year in Greece.
Digital いいえmad Visa (DNV)For remote workers with non-Greek employers/clients. Income ≥€3,500/month. 1-year permit, renewable once. Fast processing.
Golden VisaInvestment residency: real estate ≥€250,000 (higher in Athens, Thessaloniki: ≥€800,000 since Aug 2023). いいえ stay requirement. 5-year renewable. Includes family.
いいえn-Dom Tax RegimeFlat €100,000/year tax on all foreign-source income (regardless of actual income amount). Ideal for high-income individuals. Apply in the first year of residency. Valid 15 years.
EU/EEA CitizenFree movement rights. Register at the local municipality. いいえ investment or income requirement.

ステップバイステップ手順

  1. Apply for the appropriate visa at your local Greek consulate
  2. Upon arriving in Greece: obtain an AFM (Greek tax number) at the local Tax Office (Εφορία)
  3. Open a Greek bank account (required for most visa types)
  4. Register at the local Municipality (Δήμος)
  5. Apply for residence permit at the Aliens and Immigration Division (Υπηρεσία Αλλοδαπών)
  6. Apply for AMKA (social security number) at a KEP service centre
  7. Enrol in EOPYY (public health insurance) if eligible
  8. Apply for いいえn-Dom tax status if applicable (within the first year)
💡 プロのヒント： Greece's いいえn-Dom tax regime (flat €100,000/year on all foreign income) is one of Europe's most attractive for wealthy individuals. If your foreign income exceeds ~€400,000/year, this regime saves significantly compared to standard Greek income tax rates.

🏥 ギリシャの医療

公的医療

Greece has a universal public health system (ESY — Ethniko Systima Ygeias). Legal residents with an AMKA social security number can access public hospitals and health centres (Κέντρα Υγείας). The system has faced austerity-related challenges but has improved significantly. Wait times can be long.

民間医療

Private clinics and hospitals in Athens and Thessaloniki (Hygeia, MITERA, Metropolitan Hospital, Henry Dunant) offer high-quality English-language care. Quality in major cities is excellent; rural areas rely more on the public system.

Typical 費用s

サービス費用
Public hospital consultation (with AMKA)€5–20 co-payment
Private 一般診療€60–100
Private specialist€80–200
Private hospitalisation (1泊)€300–1,000
歯のクリーニング (private)€60–100
Prescription medicinesPartially subsidised for AMKA holders
ℹ️ 推奨: Obtain your AMKA number as soon as possible — this gives access to the public system. Add private health insurance for faster specialist access and English-speaking doctors.

🛡️ Supplementary Health Insurance

Private health insurance is not legally required for FIP or DNV visa holders (but you must demonstrate coverage for the visa application). Even after obtaining residency and AMKA access, private insurance is recommended for faster service and English-speaking doctors.

外国人向け保険会社

Interamerican (Achmea Greece)
Greece's largest private health insurer. Comprehensive hospital networks. From ~€80/month.
Allianz Hellas
Strong network, good international coverage for travellers. From ~€90/month.
AXA Greece
Solid plans with dental options. From ~€75/month.
Cigna Global
International plan for new arrivals and frequent travellers. From ~€120/month.
AXA Global Healthcare
Worldwide coverage, ideal for those not yet resident. From ~€130/month.
💡 プロのヒント： For visa application purposes, you need proof of health insurance before arriving. Cigna Global or AXA Global Healthcare are easy to obtain internationally. Once resident with AMKA, consider switching to a local plan (Interamerican, Allianz Hellas) for better value.

🏦 ギリシャでの銀行口座開設

A Greek bank account is required for paying rent, utilities, taxes and visa-related financial proof. An AFM (Greek tax number) is mandatory before account opening.

おすすめ銀行

National Bank of Greece (NBG) — Largest bank. Good English service in Athens and tourist areas. Strong online banking.
Alpha Bank — Modern digital platform. English-speaking branches in Athens. Popular with expats.
Piraeus Bank — Widespread branch network. Good for property-related transactions. Online banking in English.
Eurobank — Strong digital banking. Good for investment and savings products. English support.
Revolut / Wise — いいえt Greek banks but widely used by expats for daily transactions and international transfers. Cannot be used for visa applications.

必要書類

  • Valid passport or EU ID
  • AFM (Greek tax number) — mandatory
  • Proof of address in Greece (rental contract or utility bill)
  • Proof of income or funds
  • Greek phone number or SIM

ステップバイステップ手順

  1. Obtain your AFM first at the local Tax Office (Εφορία) — bring passport and proof of address
  2. Visit bank branch in person
  3. Present passport, AFM and proof of address
  4. Account opened same day in most cases
  5. Online banking activated within 2–5 days
💡 プロのヒント： Alpha Bank's Kolonaki (Athens) and Thessaloniki city centre branches have dedicated English-speaking staff for expats and investors. Always get your AFM before visiting the bank — account opening is refused without it.

🏠 ギリシャでの不動産購入

EU/EEA citizens can freely buy property in Greece. いいえn-EU citizens can also buy (with some restrictions in border regions requiring special permits). Greece's Golden Visa requires minimum property investment of €250,000 (€800,000 in Athens, Thessaloniki and certain islands since August 2023).

Options for Foreigners

Freehold Purchase
Full ownership. Standard for all residential and commercial property. いいえ restrictions for most nationalities.
Golden Visa Property
Minimum €250,000 (€800,000 in prime zones) qualifies for Golden Visa. Can be one property or multiple smaller ones totalling the threshold.
Off-Plan Purchase
Buying from developers. Lower prices but construction risk. Growing market in Athens, Crete and the islands.

購入手順

  1. Obtain an AFM (Greek tax number)
  2. Hire a Greek real estate lawyer (αδικηγόρος)
  3. Sign a Preliminary Contract (Προσύμφωνο) and pay 10% deposit
  4. Lawyer checks title at the Land Registry (Κτηματολόγιο) for encumbrances
  5. Arrange finance or international bank transfer
  6. Sign the Final いいえtarial Deed (Συμβολαιογραφική Πράξη) before a いいえtary
  7. Register the transfer at the Land Registry

Typical 費用s

Item費用
Property transfer tax3.09% of objective (tax) value
いいえtary fees0.8–1% of property value
Land Registry fee0.475–0.575%
Lawyer fees1–2%
ENFIA (annual property tax)Variable — typically €200–2,000/year depending on location and size
Agent commission2% + VAT (paid by buyer in most cases)
💡 プロのヒント： Golden Visa threshold changes (Aug 2023) raised the minimum to €800,000 in Athens, Thessaloniki, Mykonos and Santorini. Other regions remain at €250,000. Verify which threshold applies to your target location before negotiating.

このガイドについて

This guide is researched and maintained by the editorial team at eVisa-Card.com. 最終更新: 2026年3月。 Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

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💰 税制・財政亡命

キャピタルゲイン税
15%
税制
いいえn-Dom available
暗号資産フレンドリー度
6/10
出国税
いいえ (proposed)

キャピタルゲイン税： 15% flat CGT on crypto

税制の重要ポイント

  • 15% flat capital gains tax on crypto
  • いいえn-Dom regime: 100,000 EUR flat tax on worldwide income
  • Golden Visa: residency with 250k-800k property investment
  • EU/Schengen residency

税金節約シミュレーション

無料の財政亡命シミュレーターでギリシャでの節税額を比較しましょう。

🚀 税金節約シミュレーション →

提供： Taxes-Crypto.eu

税務情報は一般的な参考情報として提供されています。移住の決定前に資格のある税務アドバイザーにご相談ください。

📚 公式情報源・参考資料

編集チーム — eVisa-Card.com

ギリシャでの実体験を持つ旅行専門家、入国管理専門家、駐在員によって執筆された移住ガイドです。

✔ 検証済み情報 ✔ 2026年3月更新 ✔ 公式情報源引用