What is the Tenant Creditworthiness Certificate;
The Tenant Creditworthiness Certificate is a new digital tool designed to function as a "Tenant's Credit Bureau," providing landlords with an overview of payment reliability and behavior of a prospective tenant. It will be issued electronically and will gather information about debts, court decisions regarding unpaid rent or serious damages to properties, creating a kind of credit profile for the housing market.
The goal of this measure is to reduce the phenomena of bad payers and to strengthen landlords' trust, so more properties can enter the rental market. At the same time, it aims to serve as an incentive for a cleaner and more transparent relationship between landlord and tenant.
How will the "Tenant Credit Bureau" work;
The certificate will be linked to the Private Debt Monitoring Registry and the "Midas" platform, a new information system for recording and managing leases and related obligations. The prospective tenant will be able to request the issuance of the certificate electronically, which they can then present to landlords or real estate agencies during the housing search process.
What will your reliability score include;
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Court decisions related to leases (e.g., evictions for unpaid rent).
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Serious outstanding debts related to lease agreements.
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Possibly also reliability indicators, in the form of a score, for quick reading by landlords.
Impacts for landlords and tenants
For landlords: Less risk and transparency
For landlords, the Tenant Creditworthiness Certificate acts as an additional safety filter before selecting a tenant. It allows them to assess the risk of late payments or damages to the property, reducing uncertainty in a market that has become particularly demanding in recent years.In conjunction with the trend toward mandatory bank-based rent payments, the certificate can enhance transparency and tax compliance, as it limits "black market" transactions and helps cross-verify information with the AADE. This can lead to more stable returns for landlords and a better understanding of the risk of each lease in the long run.
For tenants: Reliability passport or exclusion filter;
For consistent tenants, the new certificate can serve as a reliability passport, giving them an advantage in a high-demand, limited-supply housing market. A tenant with a clean record and positive evaluation may negotiate more easily, whether on rent amount or lease terms.
However, the measure has already sparked strong reactions and debates around personal data and the risk of stigmatizing tenants who have faced financial difficulties in the past. It also raises questions about how to ensure an accurate and fair reflection of each citizen's true situation, without extreme exclusion from housing.
This measure risks effectively acting as a "exclusion filter" from housing for thousands of households, and may trigger even higher rent increases. If tenants are divided into "high-risk" and "low-risk" categories, there is a visible fear that two categories of tenants will form, with the more financially vulnerable paying higher rent simply because of their profile.
Timeline: When does it become mandatory;
The Tenant Creditworthiness Certificate has been announced as a measure expected to be fully implemented by 2026, with gradual integration into rental procedures. Currently, it is not yet mandatory for all leases, but an institutional framework is being prepared to link it with digital leases and bank rent payments.
Until all details are fully clarified, landlords and tenants are advised to:
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To stay systematically informed about changes in the legal framework.
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To consult with accountants or legal advisors before making decisions affecting long-term leases.
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To keep their tax and contractual documents in order, to adapt smoothly to the new environment.
Tenant Creditworthiness Certificate vs Energy Performance Certificate (EPC)
Alongside the Tenant Creditworthiness Certificate, the Energy Performance Certificate (EPC) remains mandatory for every property rented or sold in Greece. The EPC is issued by an engineer, classifies the property into an energy category, and must be included in listings and attached to the lease registered with AADE.
Thus, a new "dual" certification system is formed:
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On one hand, the quality and energy efficiency of the property itself.
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On the other hand, the reliability and consistency of the tenant.
Together, they create a more structured, standardized, and ideally safer rental market for all parties.
The project is funded by the Recovery Fund and is expected to be completed by May 2026.
