{"id":1955,"date":"2026-03-26T16:19:46","date_gmt":"2026-03-26T14:19:46","guid":{"rendered":"https:\/\/flat.direct\/?page_id=1955"},"modified":"2026-03-26T16:19:46","modified_gmt":"2026-03-26T14:19:46","slug":"asfalisi-enypothikis-katoikias","status":"publish","type":"page","link":"https:\/\/flat.direct\/en\/asfalisi-enypothikis-katoikias\/","title":{"rendered":"Mortgage Housing Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1955\" class=\"elementor elementor-1955\">\n\t\t\t\t<div class=\"elementor-element elementor-element-876d4a2 e-flex e-con-boxed e-con e-parent\" data-id=\"876d4a2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d7d19 elementor-widget elementor-widget-image\" data-id=\"a6d7d19\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1517\" height=\"188\" src=\"https:\/\/flat.direct\/wp-content\/uploads\/2026\/02\/FLAT_KATOIKIA_Banner_TAXYDROMOS_728x90px_page-0001.jpg\" class=\"attachment-full size-full wp-image-1941\" alt=\"\" srcset=\"https:\/\/flat.direct\/wp-content\/uploads\/2026\/02\/FLAT_KATOIKIA_Banner_TAXYDROMOS_728x90px_page-0001.jpg 1517w, https:\/\/flat.direct\/wp-content\/uploads\/2026\/02\/FLAT_KATOIKIA_Banner_TAXYDROMOS_728x90px_page-0001-768x95.jpg 768w, https:\/\/flat.direct\/wp-content\/uploads\/2026\/02\/FLAT_KATOIKIA_Banner_TAXYDROMOS_728x90px_page-0001-18x2.jpg 18w\" sizes=\"(max-width: 1517px) 100vw, 1517px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e21d93d elementor-widget elementor-widget-heading\" data-id=\"e21d93d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">What about mortgage insurance?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-944d0fc elementor-widget elementor-widget-text-editor\" data-id=\"944d0fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 30-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>When a property has been financed by a housing loan, its insurance is a contractual obligation of the borrower. In fact, many borrowers consider themselves obliged to insure their mortgaged property with the same bank from which they received the loan.<\/p><p>That's not true.<\/p><p>According to Circular 462 of the Bank of Greece, the borrower has absolute freedom to choose an insurance company, as long as the insurance policy covers the minimum requirements provided for in the loan agreement.<\/p><p>Simply put:<\/p><ul><li>You can choose any insurance company you want.<\/li><li>The bank cannot impose a specific insurer on you.<\/li><li>All that is required is for the contract to meet the loan coverage requirements.<\/li><\/ul><p>In addition, the mortgage insurance provided by the bank is often limited to the capital of the loan, with the result that in the case of partial lending, there is a risk of sub-insurance, i.e. the insured capital is less than the actual insurable value (or reconstruction value).<\/p><p>Then, in the event of damage, the proportionality rule applies, i.e. the compensation is reduced proportionally. The principle of proportionality is laid down in Law 2496\/1997.<\/p><p>For example, if you buy a house worth 120 thousand euros with a loan from the bank, amounting to 60 thousand euros. In the event of an earthquake disaster, the compensation will be directed only to the bank and will cover only the value of the loan. In this case, you will not receive compensation for the amount you have paid.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83ae398 elementor-widget elementor-widget-heading\" data-id=\"83ae398\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why choose FLAT Insurance Group?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f54783 elementor-widget elementor-widget-text-editor\" data-id=\"7f54783\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With 56 years of uninterrupted and exclusive involvement with insurance, FLAT Insurance Group has specialized experience in mortgage insurance coverage.<\/p><p>Our many years of activity have provided us with:<\/p><ul><li>Specialised knowledge of bank claims<\/li><li>Experience in the right coverage configuration<\/li><li>Ability to accurately determine remanufacturing value<\/li><li>Direct guidance at every stage \u2013 from issuance to reimbursement<\/li><\/ul><p>Our mission is not just to issue a contract, but to formulate an insurance study that:<\/p><ul><li>Fully meets the requirements of the loan<\/li><li>It essentially protects your property.<\/li><li>Ensures proper and prompt compensation when needed<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f86f2c elementor-widget elementor-widget-heading\" data-id=\"0f86f2c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do you gain by choosing FLAT Insurance Group?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e24905f elementor-widget elementor-widget-text-editor\" data-id=\"e24905f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Objective comparison of options<\/li><li>Cost-coverage optimisation<\/li><li>Specialised technical guidance<\/li><li>Support in case of damage<\/li><li>-15% the Automobile Insurance<\/li><li>Guidance for application -20% the ENFIA<\/li><\/ul><p>Choosing the insurance company is your right.<br \/>The right choice, however, makes a difference.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What about mortgage insurance? When a property has been financed by a housing loan, its insurance is contractual [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1955","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/pages\/1955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/comments?post=1955"}],"version-history":[{"count":1,"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/pages\/1955\/revisions"}],"predecessor-version":[{"id":1986,"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/pages\/1955\/revisions\/1986"}],"wp:attachment":[{"href":"https:\/\/flat.direct\/en\/wp-json\/wp\/v2\/media?parent=1955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}