Find the Mortgage Loan that best suits your needs

NEED
- Build/Buy a Home
- Home Improvement/Renovation
- Green Home (Buy, build or finish)
- Home Improvement works to save energy
INTEREST RATE
- Fixed
- Variable based on the Euribor
OTHER FEATURES
- With grace period
- With early repayment option

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DESCRIPTION

Mortgage Loan with fixed interest rate either for the entire loan tenor or for a specific initial period, as per your choice
IDEAL FOR
- Purchase, construction or completion of a property
- Renovation or repair of a property
- Purchase of land
- Repayment of a mortgage loan from another Bank
INTEREST RATE

Fixed
for 3 or 5 or 10 or 15 or 20 or 25 or 30 years, plus Levy of Law 128/1975
LOAN TERM

Up to 35 years
LOAN AMOUNT

From €20,000

up to 90% of the estimated value of the pre-noted property as designated by the Bank’s engineer

DESCRIPTION

Variable-rate Euribor 1M mortgage loan
IDEAL FOR
- Buying, building or finishing a property
- Renovating or repairing a property
- Buying a plot of land
- Repaying a mortgage loan from another bank
INTEREST RATE

Variable
Euribor 1M
+ a spread
+ Law 128/1975 levy
LOAN TERM

Up to 35 years
LOAN AMOUNT

From €20,000

up to 90% of the estimated value of the pre-noted property as designated by the Bank’s engineer

DESCRIPTION

Green home mortgage loan with a fixed interest rate either for the entire loan tenor or for a specific initial period, as per your choice
IDEAL FOR
- Purchase, construction or completion of a green house
- Radical renovation of a low energy efficiency house
INTEREST RATE

Fixed
for 3 or 5 or 10 or 15 or 20 or 25 or 30 years, plus Levy of Law 128/1975
LOAN TERM

Up to 35 years
LOAN AMOUNT

From €20,000

up to 90% of the estimated value of the pre-noted property as designated by the Bank’s engineer

DESCRIPTION

Mortgage loan for green homes with variable interest rate based on the Euribor 1M
IDEAL FOR
- Purchase, construction or completion of a green house
- Radical repair of a green house
INTEREST RATE

Variable
Euribor 1M
+ a spread
+ Law 128/1975 levy
LOAN TERM

Up to 35 years
LOAN AMOUNT

From
€20,000

up to 90% of the estimated value of the pre-noted property as designated by the Bank’s engineer

DESCRIPTION

Subsidized fixed interest rate program for home repairs aiming at upgrading household energy efficiency, under the "Exoikonomo 2021" program.
IDEAL FOR
- Housing interventions for saving energy
INTEREST RATE

6,50%
(100% subsidized for the entire duration of the loan plus levy of L.128/75 (today set at 0.12%).
LOAN TERM

4, 5 or 6 years
LOAN AMOUNT

Up to €16.800

DESCRIPTION

Subsidized fixed interest rate program for home repairs aiming at upgrading household energy efficiency, under the "Exoikonomo 2023" program.
IDEAL FOR
- Housing interventions for saving money
INTEREST RATE

6,50%
(100% subsidized for the entire duration of the loan plus levy of L.128/75 (today set at 0.12%).
LOAN TERM

4, 5 or 6 years
LOAN AMOUNT

Up to €14.850

DESCRIPTION

Mortgage Loans for young people up to 39 years old in order to fully upgrade their main residence, both energy-wise (through “Exoikonomo”) and functionally/aesthetically (through “Anakainizo”)
IDEAL FOR
- Energy saving interventions in residence
- Aesthetic & functional renovation interventions, exclusively as complementary to the energy saving interventions
INTEREST RATE

6,50% for energy saving interventions
(fixed rate 100% subsidized for the entire duration of the loan plus levy of L.128/75 (today set at 0.12%)

and

4,00% for aesthetic & functional renovation interventions
(fixed rate for the entire duration of the loan plus levy of L.128/75 (today set at 0.06%), relating to the Bank’s funds)
LOAN TERM

4, 5 or 6 years
LOAN AMOUNT

Up to €13.500 for energy saving interventions

Up to €7.000 for aesthetic & functional renovations

DESCRIPTION

Co-financed housing loan for young people aged 25 to 39, targeted to first-time home buyers.
IDEAL FOR
- First-time home buyers
INTEREST RATE

Floating
equal to 1/4 of the sum of, Euribor 1 month plus 2.50% margin with 100% interest rate subsidy for families with three children.
(the interest rate is not subject to the levy of Law 128/75)
LOAN TERM

3 to 30 years
LOAN AMOUNT

From
€20.000
and up to
€150,000