The determination of reasonable living expenses aims to help lenders and borrowers arrive at mutually acceptable and sustainable solutions for servicing their loans, according to their current financial situation. The reasonable living expenses derive from the data of the statistical Survey of Family Budgets conducted every year by the Hellenic Statistical Service (

Indicatively, reasonable living expenses include food, clothing and footwear, home operation, maintenance and repair of means of transport, repair and maintenance of furniture and household equipment, household consumption and personal care items, information and education costs, telephone and postal services , health goods and services, education services, social protection, as well as expenses related to financial services (fees of tax experts, lawyers, notaries, etc.).