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Руководство для экспатов: Жизнь в Греции 2026

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.

Последнее обновление: март 2026 — Редакционная команда, eVisa-Card.com

Обзор Греции

CapitalAthens
CurrencyEuro (€)
LanguageGreek
Monthly cost~$1,500–3,000 в месяц

📋 Table of Contents

  1. Visa & Residency
  2. Healthcare
  3. Health Insurance
  4. Bank Account
  5. Buying Property
  6. Налоги и фискальная эмиграция

🛂 Варианты виз и проживания

Тип визыПодробности
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000 в месяц (€250 per additional adult, €150 per child). No work in Greece allowed. 2-year renewable permit. Must spend 183 days в год in Greece.
Digital Nomad Visa (DNV)For remote workers with non-Greek employers/clients. Income ≥€3,500 в месяц. 1-year permit, renewable once. Fast processing.
Golden VisaInvestment residency: real estate ≥€250,000 (higher in Athens, Thessaloniki: ≥€800,000 since Aug 2023). No stay requirement. 5-year renewable. Includes family.
Non-Dom Налоговый режимFlat €100,000 в год 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. No investment or income requirement.

Step-by-Step Process

  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 Non-Dom tax status if applicable (within the first year)
💡 Совет: Greece's Non-Dom tax regime (flat €100,000 в год on all foreign income) is one of Europe's most attractive for wealthy individuals. If your foreign income exceeds ~€400,000 в год, this regime saves significantly compared to standard Greek income tax rates.

🏥 Здравоохранение in Greece

Государственная медицина

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.

Частная медицина

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 Стоимости

УслугаСтоимость
Public hospital consultation (with AMKA)€5–20 co-payment
Private Прием терапевта€60–100
Private specialist€80–200
Private hospitalisation (за ночь)€300–1,000
Чистка зубов (private)€60–100
Prescription medicinesPartially subsidised for AMKA holders
ℹ️ Рекомендуется: 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.

Лучшие страховщики для экспатов

Interamerican (Achmea Greece)
Greece's largest private health insurer. Comprehensive hospital networks. From ~€80 в месяц.
Allianz Hellas
Strong network, good international coverage for travellers. From ~€90 в месяц.
AXA Greece
Solid plans with dental options. From ~€75 в месяц.
Cigna Global
International plan for new arrivals and frequent travellers. From ~€120 в месяц.
AXA Global Healthcare
Worldwide coverage, ideal for those not yet resident. From ~€130 в месяц.
💡 Совет: 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.

🏦 Opening a Bank Account in Greece

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.

Рекомендуемые банки

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 — Not Greek banks but widely used by expats for daily transactions and international transfers. Cannot be used for visa applications.

Необходимые документы

  • 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

Step-by-Step Process

  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
💡 Совет: 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.

🏠 Buying Property in Greece

EU/EEA citizens can freely buy property in Greece. Non-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. No 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.

Процесс покупки

  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 Notarial Deed (Συμβολαιογραφική Πράξη) before a Notary
  7. Register the transfer at the Land Registry

Typical Стоимости

ItemСтоимость
Property transfer tax3.09% of objective (tax) value
Notary fees0.8–1% of property value
Land Registry fee0.475–0.575%
Lawyer fees1–2%
ENFIA (annual property tax)Variable — typically €200–2,000 в год depending on location and size
Agent commission2% + VAT (paid by buyer in most cases)
💡 Совет: 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.

О данном руководстве

This guide is researched and maintained by the editorial team at eVisa-Card.com. Последнее обновление: март 2026. Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

Связанные руководства

Все руководства
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💰 Налоги и фискальная эмиграция

Налог на прирост капитала
15%
Налоговый режим
Non-Dom available
Отношение к крипто
6/10
Налог при выезде
No (proposed)

Налог на прирост капитала: 15% flat CGT on crypto

Ключевые налоговые аспекты

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

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📚 Официальные источники и ссылки

Редакционная команда — eVisa-Card.com

Руководства для экспатов, написанные экспертами по путешествиям, специалистами по иммиграции и экспатами с личным опытом в Greece.

✔ Проверенная информация ✔ Обновлено: март 2026 ✔ Официальные источники