Mortgage Loans
2. | Mortgage Loans
2. Mortgage Loans | |||
|---|---|---|---|---|
| The Bank applies the current Euribor 3m (the first quarter) initially on the day the loan is disbursed, and then at each interest rate change period, it applies the rate applicable on the last business day of the previous interest rate change. The interest margin and the fixed interest rate, by category of loans, are formulated within the above range based on the client's creditworthiness, relationship with the Bank, the type of loan collateral and the rate of financing on the value of the property as estimated from the bank. The following programs offer additional interest rate rebates in favor of the borrower, depending on the borrower's profile, the deposit / investment relationship with the Bank and the type of collateral. Any discount granted may be waived if the conditions for providing it are not met. | ||||
| 2.1 | Floating Rate Mortgage Loans 2.1. Floating Rate Mortgage Loans | Interest Rate Type | Interest Rate | |
| 2.1.1 | Purchase / Construction Mortgage | Floating | Euribor 3M + spread from 0,75% to 2,50% | |
| 2.1.2 | Repair Mortgage | with collateral | Floating | Euribor 3M + spread from 1,15% to 2,50% |
| withοut collateral | Floating | Euribor 3M + spread from 5,70% to 6,30% | ||
| 2.2 | Fixed Rate Mortgage Loans 2.2. Fixed Rate Mortgage Loans | Interest Rate Type | Interest Rate | |
| The interest rate remains fixed during the loan tenor or for the initial period which is described in the Interest Rate Type and then automatically converts to floating (Euribor 3m plus margin) until the maturity of the loan. Fixed interest rates may differ according to the type of loan security. | ||||
| 2.2.1 | Purchase / Construction / Repair Mortgage | Fixed for 3 years | Fixed | 3,50% |
| Fixed for 5 years | Fixed | 3,60% | ||
| Fixed for 10 years | Fixed | 4,30% | ||
| Fixed for 15 years | Fixed | 4,60% | ||
| Fixed for 20 years | Fixed | 4,60% | ||
| Fixed for 25 years | Fixed | 4,60% | ||
| Fixed for 30 years | Fixed | 4,60% | ||
| 2.3 | Green Housing 2.3. Green Housing | Interest Rate Type | Interest Rate | |
| 2.3.1 | Green Housing / Energy Saving Loan | with collateral | Floating | Euribor 3M + spread from 3,55% to 4,90% |
| withοut collateral | Floating | Euribor 3M + spread from 6,65% to 7,25% |
Disclaimer: The data of this website is for reference only. For details, please click the link to the official website to view the data.
Top