The "Spiti Mou II" program is a Greek government initiative offering low-interest housing loans to individuals and couples aged 25 to 50 for the purchase of their first home. Eligible applicants must meet specific income criteria: single individuals should have a maximum annual income of €20,000; married couples or those in a civil partnership should have a minimum annual income of €10,000 and a maximum of €28,000, plus an additional €4,000 for each child; and single-parent families should have a maximum annual income of €31,000, plus €5,000 for each child. Applicants must not own property suitable for their residence. The loan can cover up to 90% of the property's value, with a maximum loan amount of €190,000, and must be repaid within 3 to 30 years. Notably, 50% of the loan is interest-free, funded by the Recovery and Resilience Fund, while the remaining 50% is provided by participating banks at favorable interest rates. For families with three or more children, the interest on the bank-financed portion is subsidized by 50% throughout the loan's duration. Applications are open until December 31, 2025, with the possibility of extension.