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From €5,000 of debt, with up to 240 instalments for state debts and 420 for banks: see whether your debt enters the mechanism.
Law 5313/2026 lowered the minimum debt. The page tests the threshold and gives an indicative instalment range.
The first test is the size of the debt: below €5,000 it does not enter the mechanism. Above it, the platform also tests income, assets and history.
The instalment cannot fall below €50. The long term (up to 420 months for banks) lowers the monthly payment but raises total interest.
The page shows the arithmetic range; approval does not depend on the amount alone.
Debt of €18,000: over 240 instalments the payment is €75; over 420 it falls to €50 (the minimum). The range shows both ends.
Out of the mechanism under the €5,000 threshold. A bilateral plan with the creditor is still possible.
It depends on the term and on your capacity; the tool shows the range, not the approved instalment.
The mechanism protects the main home under conditions; the application decides the details.
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Your result updates as you type.
Yes, the debt clears the minimum
Indicative instalment: €75.00–€50.00
Instalments
240–420 months
At the longest term
€50.00
Indicative instalment
€75.00
The debt threshold is the only criterion checked here. The platform also tests income, assets and history, so approval does not depend on the amount alone.
We took what you entered, checked it against the rules and, where no rule exists, used an estimate.
Total debt of at least €5,000
You: €18,000.00
You meet this
Up to 240 instalments for the state and 420 for banks, at least €50 each
You: 50 € · 240/420
Source: Law 5313/2026Checked 29 October 2026
Largest monthly instalment, at the shortest term
€75.00
Our own estimateChecked 29 October 2026
Yes, the debt clears the minimum
Want to go further?
Compare it with a plain instalment plan.
The €5,000 floor, 240 instalments for state debts, 420 for banks and the €50 minimum instalment come from reports on law 5313/2026; the law text itself was not read.
You can apply
Yes, the debt clears the minimum