A free mamaXO tool

Greek residential rental agreement 2026 — free, ready in 3 minutes, as PDF and Word

Type the details and watch the contract fill in. Get it as PDF and Word by email — no sign-up.

Or download the blank form (PDF / Word) ↓

★ 4.8 on Google · No sign-up · Updated for 2026 · Valid without a notary

Free and complete — no trial, no card, no watermark.

A Greek residential lease (μισθωτήριο) is a private agreement between owner and tenant — no notary is involved. By law it runs for at least three years, even if the paper says less. After signing, the owner declares the lease on myAADE by the end of the following month, and the tenant accepts it online.

The same text the owners who hand us their tenancy sign — read it in full ↓

Last updated: September 2026

We find the tenant, collect the rent and send you a statement every month — paid only from rent that arrives.

How do you want your contract?

RecommendedOption 1 · Fill in online

A ready contract with your details — in 3 minutes

Watch the contract write itself as you type. No blanks, no wrong dates, amounts in words.

  • No blanks, no slips: amounts are spelled out for you, dates are checked.
  • PDF and Word in your inbox, ready to sign in two copies.
  • Stays saved, free: change the tenant or the rent and print again.
  • Your ΑΑΔΕ deadline worked out for this contract.

3 minutes · free · no sign-up

Option 2 · Blank form

Blank form to fill in by hand

The same contract with blank lines — 14 clauses and the meter-reading annex.

By hand you write it twice — once per copy — and every blank is a possible mistake.

Arrives in your inbox within a minute as PDF and Word, and downloads here. One email, no newsletters.

What differs

What differs

  • Time

    Online
    3 minutes
    Blank form
    Twice by hand, once per copy
  • Amounts spelled out, dates checked

    Online
    Yes
    Blank form
    No
  • Saved — edit and print again

    Online
    Yes
    Blank form
    No
  • ΑΑΔΕ deadline worked out

    Online
    Yes
    Blank form
    No
  • Send to the tenant in one click

    Online
    Yes
    Blank form
    No
  • PDF and Word by email

    Online
    Yes
    Blank form
    Yes

Want to do it later or on another device? Send yourself the link

Greek lease template 2025 and 2026 — full text (same form)

The private residential lease the tool prints, with its 14 clauses and Annex A for the meter readings. The text has not changed since 2025: the same template, with the blanks filled in online or by hand. Download it as Word to edit or as PDF to print.

Read the full text of the agreement (14 clauses + annex)

Arrives in your inbox within a minute as PDF and Word, and downloads here. One email, no newsletters.

Deadlines, fines and term — with the law next to each

What to know before and after signing, each with the source we checked.

  1. Lease signedthe day the lease startsYou are here
  2. Declared in myAADE by the landlordby the end of the following month
  3. Accepted by the tenant30 days from the notification
  4. Proof of declaration (PDF)printed whenever needed: electricity, bank, housing benefit
  5. Ended or reneweddeclared by the end of the following month
All deadlines (4)
  • Updating the Μ.Ι.Δ.Α. registry about the lease

    By the end of the third month after the start; omitting it costs €500. Applies to leases starting from 01.11.2026. In detail →

    Άρθρο 128 παρ. 4 ν.5313/2026 (Μ.Ι.Δ.Α., ΦΕΚ Α΄102/25.06.2026)

    Source: Ν.5313/2026, άρθρο 128 · Checked:

  • Minimum term of a residential lease

    3 years, even if a shorter or open-ended term is agreed; it can be shortened only by notarial deed at least 6 months after the start. In detail →

    Άρθρο 2 §1 ν.1703/1987, όπως αντικαταστάθηκε από το άρθρο 1 §5 ν.2235/1994

    Source: Lawspot — κείμενο νόμου · Checked:

  • Deposit

    Up to two months’ rent; rent may be paid in advance only for the current month. In detail →

    Άρθρο 2 §2 ν.1703/1987

    Source: Lawspot — κείμενο νόμου · Checked:

  • Rent paid through a bank

    Rent must be paid into a landlord bank account notified to ΑΑΔΕ. Start: 01.07.2027, after the postponement by decision Α.1187/2026.

    Άρθρο 210 ν.5222/2025 · ΑΑΔΕ Α.1187/2026

    Source: ΑΑΔΕ — Α.1187/2026 · Checked:

What happens after signing

Five things remain:

  1. You declare the lease to ΑΑΔΕ (the lease details declaration).
  2. The tenant accepts the declaration online.
  3. You hand the tenant a copy of the energy certificate (ΠΕΑ).
  4. You move electricity and water into the tenant’s name.
  5. Together you fill in the meter-reading annex at handover.

Guide: registering the lease with AADE →

The lease is ready. What is left before the tenant moves in

Certificates, the listing, the ΑΑΔΕ declaration and the key handover — in the order they are actually needed.

Questions that come up around the lease — acceptance, deposit, ending it early: The lease and the ΑΑΔΕ filing →

What next? 3 steps — none of them required

mamaXO is a rental-management company in Athens. The tools are free; we earn only if one day you hand us the flat.

  1. Keep it in a free account

    The contract stored, your ΑΑΔΕ deadline worked out, documents in one place. No time limit, no card.

  2. Find a tenant — list it free

    A live listing on mamaXO with 3 photos; you run the viewings yourself. Free, for as many flats as you have.

  3. Or hand it all to us — Autopilot, 10% + VAT

    Tenant search and checks, contract, ΑΑΔΕ filing, rent collection, repairs, a monthly statement — all by us. Only on rent that arrived; nothing while the flat is empty.

    The decisions stay yours, as you set them in the mandate.

Hand us the flat — we call you within one working day

A phone number and the area are enough. If Free is all you need, we say so.

Phone or email — whichever suits you.

Properties you own (optional)
Property status (optional)
Property details — for a more useful discussion (optional)
Bedrooms
Expected monthly rent (optional)

No commitment, nothing to pay — a plan starts only when you say so.

Fragiskos Vamvakaris
“We were looking to make property investment in Athens and bought it from mamaXO portfolio. They continue to manage it for us with great transparency, on-time reporting and payouts.”
Read on Google →
Daniel Petříček
“I rented an apartment from this company almost a year ago and I am very satisfied. The staff is very friendly and communicates quickly. The apartment is well-equipped, so except for a few little things, there is no need to purchase any equipment. I would highly recommend them to anybody.”
Read on Google →
Kemal Tacyildiz
“I live in a house of this company. When I have an issue, they fix it immediately. They are very helpful and professional.”
Read on Google →

Frequently asked questions

Greek lease template in Word — where do I download it?
From the "Send me the Word file" button. Type your email and the file lands in your inbox — it downloads right here too. It has the 14 clauses and blank lines for the details. It is editable: change the terms before you print. If you would rather not write by hand, the online tool fills the same template in three minutes, amounts spelled out.
Greek rental agreement as PDF — is there a blank form?
Yes. "Send me the PDF" gives the same form as a blank PDF. Print it in two copies and fill it in by pen. The filled-in PDF comes from the online tool: type the details and watch the contract fill in. On the last step you save it or email it to yourself.
Is there a filled-in sample lease to see how it is written?
The online tool is exactly that. Type names, tax numbers, rent and dates, and the agreement fills in front of you. Amounts are spelled out, the end date is worked out, the meter-reading annex prints with it. Start with test details, see how it reads, then put in the real ones.
What do you need for a residential lease?

To sign and declare a lease you need:

  1. The owner’s tax number (ΑΦΜ) and ID.
  2. The tenant’s tax number (ΑΦΜ) and ID.
  3. The address of the property; the ΑΤΑΚ from the Ε9 is optional.
  4. The energy certificate (ΠΕΑ) number.
  5. Start and end dates — at least three years.
  6. Monthly rent and deposit.
  7. Two signed copies.

No notary is needed. The tool asks for all of it in its three steps.

Is the same form valid for 2025 and 2026?
Yes. The template is the same for leases starting in 2025 or 2026. The three-year term and the ΑΑΔΕ filing deadline have not changed. What is new: the Μ.Ι.Δ.Α. update for leases from 01.11.2026, and rent paid only through a bank from 01.07.2027. If something changes, we update the text and the "Last updated" date at the top of the page.
Is a "private lease agreement" (ιδιωτικό συμφωνητικό) the same document as a μισθωτήριο?
Yes. "Ιδιωτικό συμφωνητικό μίσθωσης κατοικίας" is the legal title of the document owners call a μισθωτήριο or rental contract. Our form prints under that title. Both parties sign it without a notary, and it is then declared to ΑΑΔΕ. The title does not change its validity.
Electronic lease (ηλεκτρονικό μισθωτήριο): what happens after signing?
The owner declares the lease on myAADE by the end of the month after the start date. The tenant has 30 days to accept it — otherwise it counts as accepted. Everything ΑΑΔΕ asks for — tax numbers, term, rent, ΑΤΑΚ, energy certificate — is already in our form. You do not look for it twice.
When is the lease declared to ΑΑΔΕ?
The owner declares the lease on myAADE by the end of the calendar month after it starts (ΠΟΛ.1162/2018, art. 1 §1a). A lease starting on 10 September is declared by 31 October. The same limit applies to amendments and to termination. After the deadline the fine is €100.
Is a private agreement valid without a notary?
Yes. A residential tenancy in Greece is created by a private agreement between owner and tenant — no notary. What is required is the declaration to AADE.
How many years does a residential lease have to run?
A lease of a main residence runs for at least three years, even if the agreement says less or sets no term (art. 2 §1 of law 1703/1987, as replaced by law 2235/1994). It can be shortened only by notarial deed, at least six months after the start. A longer term can be agreed freely.
When is the deposit returned to the tenant?
The deposit — up to two months’ rent (art. 2 §2 of law 1703/1987) — is returned without interest at the end, once the property and the keys are handed back. Unpaid rent, bills, shared charges and damage beyond normal wear are deducted first. The mamaXO template sets the return period at thirty days.
Can the tenant sublet the flat?
Not unless it is agreed in writing. Our template forbids subletting, in whole or in part, without the owner’s written consent. The same goes for handing use to a third party and for short-term, Airbnb-style letting.
How many copies are signed?
Two identical originals, one for each side. The template already prints that wording and both signature blocks.
Is an energy certificate needed?
Yes. A residential letting needs an energy performance certificate (ΠΕΑ). Its number goes into the ΑΑΔΕ declaration and the tenant gets a copy. If you have it, put the number into the form.
Do you store what I type?
The tool runs in your browser and the details stay on your device. They reach us only if you ask for the PDF by email. Then the contract goes into your free account, to find and edit.
Is this legal advice?
No. This template covers an ordinary residential tenancy and is not legal advice. For anything unusual, such as commercial use, co-ownership or a guarantor, take a lawyer’s view before signing. Rent paid beyond the current month in advance is not allowed for homes (Law 1703/1987, art. 2 §2).
Guide: registering the lease with AADE →Full guide: rules, term, energy certificate and deadlines →

Send it to someone who needs it