How to rent out your flat in Greece (2026): what you need, step by step
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Written by: Maria Koutsounika, Property Management LeadFigures checked by: Tryfonas Chatziapostolou, Accounting & Tax Lead
Six things are compulsory: an energy certificate (ΠΕΑ), the flat’s ΑΤΑΚ from your Ε9, the electricity supply number, the tenant’s ΑΦΜ, a written lease (μισθωτήριο) and its declaration with ΑΑΔΕ. The declaration is filed by the end of the month after the lease starts (ΠΟΛ.1162/2018, άρθρο 1 §1α) and being late costs €100 (ΚΦΔ ν.5104/2024, άρθρο 53 §1 περ. α΄). Price, listing and tenant checks are choices, not obligations.
Hand us the flat and get rent every month: the tenant, the ΑΑΔΕ paperwork and the phone calls are ours. We are paid only out of rent that arrives.
What are you missing before you can let? Answer five questions
Five questions, one list: what you have, what is missing and where each one comes from. No sign-up, no email.
Have you already found a tenant?
Do you have a valid energy certificate (ΠΕΑ) for this flat?
Do you know the flat’s ΑΤΑΚ (from your Ε9)?
Are you letting it furnished?
Do you live abroad, or far from the flat?
Answer the first question and your list builds here.
What are the 6 steps to rent out my flat?
The six steps are: set the rent, gather the papers, post the listing, choose the tenant, sign the lease, declare it on myAADE by the end of the following month (ΠΟΛ.1162/2018, άρθρο 1 §1α). In this order: most first-time trouble comes from doing step 5 before step 2.
Set the right price
From signed leases in the area, not from listings that have sat for months.
How much can I rent it for?Gather the papers
ΠΕΑ, ΑΤΑΚ, supply number, ΥΔΕ. The check above tells you what is missing.
Declaring the lease with ΑΑΔΕPost the listing
Photos in daylight, the energy class in the text, one phone that answers.
Plans for ownersChoose the tenant
Tax return, payslip, ΑΦΜ, a call to the previous landlord. There is no tenant registry — the check is yours.
What we do and what it costsSign the lease
Term, rent, deposit, who pays what, an inventory if furnished. Free here.
Free lease (μισθωτήριο) builderDeclare on myAADE
By the end of the following month, with the ΠΕΑ number, ΑΤΑΚ and the tenant’s ΑΦΜ. The tenant accepts from their own account.
Declaring the lease with ΑΑΔΕ
Alone, with an agent or with mamaXO — what changes?
What changes is who does the running and what you pay: alone, from €2.50 for the listing; with an agent, €992 on every new tenancy; with us, €0 on Free or €50 a month on Co-pilot. Example on €800 rent: the agent takes 1.2 months of rent (one month + VAT), our plans are paid out of rent that has already landed in your account.
Alone, with an agent or with mamaXO — what changes?
What you pay
- Alone
- From €2.50For the listing — plus your time: calls, viewings, paperwork
- With an agent
- €992 once1.2 months of rent + VAT, again on every change of tenant
- With mamaXO
- €0 or €50/monthFree costs nothing; Co-pilot 5% + VAT, only out of rent collected
Who shows the flat
- Alone
- YouEvery viewing and every call
- With an agent
- The agentViewings, then the signature
- With mamaXO
- You or usUs on AutopilotCo-pilot: you or a key-safe
Who checks the tenant
- Alone
- YouIf you know what to ask for
- With an agent
- The agentRarely beyond one viewing
- With mamaXO
- UsΑΦΜ, ID, employment contract, incomeBefore you meet them
Lease and ΑΑΔΕ declaration
- Alone
- YouYou, with our free tools
- With an agent
- YouFalls to you, or charged extra
- With mamaXO
- UsFree on all three plansWith a deadline reminder
If they stop paying
- Alone
- YouYou, with a lawyer
- With an agent
- NobodyNot their concern after signing
- With mamaXO
- UsWe act from day oneCo-pilot and up
| Alone | With an agent | With mamaXO | |
|---|---|---|---|
| What you pay | From €2.50For the listing — plus your time: calls, viewings, paperwork | €992 once1.2 months of rent + VAT, again on every change of tenant | €0 or €50/monthFree costs nothing; Co-pilot 5% + VAT, only out of rent collected |
| Who shows the flat | YouEvery viewing and every call | The agentViewings, then the signature | You or usUs on AutopilotCo-pilot: you or a key-safe |
| Who checks the tenant | YouIf you know what to ask for | The agentRarely beyond one viewing | UsΑΦΜ, ID, employment contract, incomeBefore you meet them |
| Lease and ΑΑΔΕ declaration | YouYou, with our free tools | YouFalls to you, or charged extra | UsFree on all three plansWith a deadline reminder |
| If they stop paying | YouYou, with a lawyer | NobodyNot their concern after signing | UsWe act from day oneCo-pilot and up |
Where should you post the listing?
On Spitogatos at €2.50 for 6 months as a private owner, on XE.gr for a fee, in Facebook groups for nothing, and free here on mamaXO. On every channel the law asks for the energy class, a Facebook group included (Άρθρο 12 §4 ν.4122/2013); leaving it out is fined from €1,000 (Άρθρο 20 §1 ν.4122/2013).
Spitogatos
€2.50 for 6 months (private owner)
The most traffic; paid by SMS. They will ask for the energy class.
XE.gr
Paid
Second in traffic. Its help centre says nothing about ΠΕΑ, so add the class yourself.
Facebook groups
No cost
Many messages, few serious ones. There is no energy-class field, so write it into the text: the law applies there too.
mamaXO
Free, 3 photos
Listing, lease and ΑΑΔΕ reminder in one place. Video, 20 photos and posting to Spitogatos/XE by us — on Co-pilot.
Useful for owners
The pages that carry this guide on, one step each: what your flat lets for, the lease, the ΑΑΔΕ declaration, taxes and Ε9, eviction, the renovation grant, and what it costs to hand the flat to us.
Owners’ questions
What do I need? Energy certificate, taxis, electricity, water, building charges, stamp duty — it’s my first time letting.
They’ll leave me with the debt. They’ll move in, pay one month, then stop paying and won’t leave.
I don’t know who I’m letting in. There is no tenant registry.
Management? You mean Airbnb? Or like the building manager?
How much do you take? A month’s rent? 10%?
When is the lease declared to ΑΑΔΕ?
What is the fine for a late lease declaration?
Does the tenant have to accept the declaration?
Do I need a ΠΕΑ to let a flat?
Does the advert have to state the energy class?
How long is the electrician’s certificate (ΥΔΕ) valid?
How long does a residential lease run by law?
How much deposit can I ask for?
Can I take the rent in cash?
How much tax do I pay on the rent?
Is there a tax exemption for a flat that stood empty?
This guide is general information for owners, not legal or tax advice. Deadlines and fines are quoted from the legislation and the ΑΑΔΕ guidance in force; for your own case, ask an accountant.
Send the guide to someone letting for the first time
Real people in Athens, on your side.
Two roads from here
Do it yourself with the free tools, or hand us the flat and we do it. The lease and the declaration are free on both roads; what changes is who does the running.
Want us to take it on?
Tell us about the flat and we call you.