首页 侨民指南 Greece

侨民指南：2026年在希腊生活

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.

最后更新：2026年3月 — 编辑团队, eVisa-Card.com

希腊概况

首都Athens
货币Euro (€)
语言Greek
月均花费~$1,500–3,000/month

📋 目录

  1. 签证与居留
  2. 医疗保健
  3. 健康保险
  4. 银行账户
  5. 购买房产
  6. 税务与财务移民

🛂 签证与居留选项

签证类型详情
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000/month (€250 per additional adult, €150 per child). No work in Greece allowed. 2-year renewable permit. Must spend 183 days/year in Greece.
Digital Nomad 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). No stay requirement. 5-year renewable. Includes family.
Non-Dom 税务制度Flat €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. No investment or income requirement.

分步流程

  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)
💡 专家提示： Greece's Non-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.

🏥 医疗保健 — Greece

公立医疗

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.

私立医疗

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.

典型费用

服务费用
Public hospital consultation (with AMKA)€5–20 co-payment
私人全科医生咨询€60–100
Private specialist€80–200
Private hospitalisation (每晚)€300–1,000
洁牙 (private)€60–100
Prescription medicinesPartially subsidised for AMKA holders
ℹ️ 推荐： 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 健康保险

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.

最佳外籍人士保险公司

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 医疗保健
全球制 coverage, ideal for those not yet resident. From ~€130/month.
💡 专家提示： For visa application purposes, you need proof of health insurance before arriving. Cigna Global or AXA Global 医疗保健 are easy to obtain internationally. Once resident with AMKA, consider switching to a local plan (Interamerican, Allianz Hellas) for better value.

🏦 Opening a 银行账户 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.

推荐银行

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

所需文件

  • 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

分步流程

  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
💡 专家提示： 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.

🏠 购买房产 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.

购买流程

  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

典型费用

Item费用
Property transfer tax3.09% of objective (tax) value
Notary fees0.8–1% of property value
Land Registry fee0.475–0.575%
律师费1–2%
ENFIA (annual property tax)Variable — typically €200–2,000/year depending on location and size
中介佣金2% + VAT (paid by buyer in most cases)
💡 专家提示： 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.

关于本指南

本指南由eVisa-Card.com编辑团队研究和维护。 最后更新：2026年3月。 在做出重大决定之前，请始终向官方政府来源核实当前要求，并咨询持牌专业人员。

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💰 税务与财务移民

资本利得税
15%
税务制度
Non-Dom available
加密货币友好度
6/10
离境税
No (proposed)

资本利得税: 15% flat CGT on crypto

主要税务要点

  • 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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税务信息仅供一般参考。在做出移居决定前，请咨询合格的税务顾问。

📚 官方来源与参考资料

编辑团队 — eVisa-Card.com

侨民指南由旅游专家、移民专家和具有希腊第一手经验的侨民撰写。

✔ 经过核实的信息 ✔ 更新于2026年3月 ✔ 引用官方来源