ENFIA: most insured property owners are deprived of the “notorious” 10% discount

Notorious 10 percent discount becomes an absolute mockery for most insured property owners as the conditions set by the government cannot be met.

But people thought that it was enough to have insurance for their property… Who will insure their apartment against flooding on… the 4th floor?

This was facilitated by pro-government media, which only tried to play up the name, without informing the public that the conditions would, in fact, be “unattainable.”

But how many owners of apartments on the second or third floor insure their property, say, against flooding? Apartment owners who insure their property against earthquake and fire, but do not insure it against flood, since they are on the ground floor of an apartment building and are not threatened by such a natural disaster, will not see any deduction in ΕΝΦΙΑ.

The law states that in order to apply the deduction ΕΝΦΙΑ houses must be insured against all three risks, i.e., earthquake, fire and flood, for a period of at least three months in the previous year. This means that if a person has insured his home, he is subject to ΕΝΦΙΑ in the amount of 500 euros, from only two of the three risks, he will lose the deduction of 50 euros.

The data in the application form is filled in based on the data sent to ΑΑΔΕ insurance companies, without the possibility of taxpayer intervention.

Owners of insured property, Those wishing to receive the ΕΝΦΙΑ discount must submit an application on the myPROPERTY ΑΑΔΕ platform by February 22, 2024. They must use their personal Taxis codes to log into the myAADE digital portal (myaade.gov.gr) and follow the route: Εφαρμογές / Δημοφιλείς Εφαρμογές / myPROPERTY / Μείωση ΕΝΦΙΑ / and after identifying those registered with their taxpayer identification number, take the following actions:

• relate them to the insured property (own insurance)
• declare the VAT numbers of co-owners if the insured property has several of them (own insurance and third party insurance)
• declare the VAT identification numbers of third parties entitled to the insured property when they themselves are not entitled to it (insurance on behalf of third parties).

Taxpayers included in the application as co-owners or third parties will be informed via email, which will also be posted in their personal mailbox under myAADE / Μητρώο & Επικοινωνία / Τα μηνύματά μου.

To receive the ΕΝΦΙΑ discount, if all conditions are met, you must also submit an application to link the insurance policy to your insured home. If the insurance policy data is incorrect (start – end, insured risks, etc.), the policyholder must contact the company that issued the policy to send the correct data.

To track the progress of the application, the taxpayer selects the field “Results of consideration of the application” and receives information about the status of consideration of his application, as well as about approval or refusal of a discount ΕΝΦΙΑ.

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