Housing Loans
PRODUCT | INTEREST RATE | NOTES | |
|---|---|---|---|
| 1 | Alpha Residence | ||
| Α. With floating interest rate based on the Euribor 3M, plus margin, financing: | - For the financing of property for professional use, interest rates (fixed and floating) shall be increased by 0.30%. - Fixed interest rates shall be increased by 0.30% when financing over 60% of the commercial value of the property. See General Terms, Term 4 | ||
| ▪ Up to 60% of the estimated property value, for loan amount | |||
| - Above Euro 300,000 | 2.00% | ||
| - Euro 100,000.01 up to Euro 300,000 | 2.10% | ||
| - Up to Euro 100,000 | 2.20% | ||
| ▪ Over 60% of the estimated property value, for loan amount | |||
| - Above Euro 300,000 | 2.30% | ||
| - Euro 100,000.01 up to Euro 300,000 | 2.40% | ||
| - Up to Euro 100,000 | 2.50% | ||
| Β. Fixed interest rate | |||
| - for 5 years | 3.60% | ||
| - for 10 years | 4.00% | ||
| - for 15 years | 4.20% | ||
| - for 20 years | 4.60% | ||
| After the expiry of the fixed period, there is a fixed or floating interest rate option, based on the Euribor 3M plus the respective margin of the product. | |||
| 2 | Alpha Home Renovation | ||
| Floating interest rate, based on the Euribor 3M, plus margin, depending on collateral: | See General Terms, Term 4 | ||
| Floating interest rate, based on the Euribor 3M, plus | |||
| margin, depending on collateral: | |||
| ▪ with mortgage prenotation | 3.00% | ||
| ▪ without mortgage prenotation | 7.00% | ||
| 3 | Alpha Cash Collateral | ||
| Α. Floating interest rate, based on the Euribor 3M, plus margin: | 1.50% | See General Terms, Term 4 | |
| Β. Fixed interest rate | 2.90% | ||
| 4 | Alpha Green Solutions - Energy Saving Home | ||
| Α. Floating interest rate based on the Euribor 3M, plus margin | 2.50% | According to the property’s energy category is offered reduction on the margin of variable interest rate, as follows: Β+ -0.20% Α -0.30% Α+ -0.40% See General Terms, Term 4 | |
| Β. Fixed interest rate | |||
| - for 5 years | 3.60% | ||
| - for 10 years | 4.00% | ||
| - for 15 years | 4.20% | ||
| - for 20 years | 4.60% | ||
| After the expiry of the fixed period, there is a fixed or floating interest rate option, based on the Euribor 3M plus the respective margin of the product. | |||
| 5 | State Programme “My Home” | ||
| Floating interest rate, based on the Euribor 3M, plus margin 2.20%. | Euribor 3M + 2.20% | The supported financing by the Programme “My Home” according to the Law 5006/2022 is managed by the Hellenic Development Bank (HDB) with resources entirely financed by the Public Employment. | |
| PRODUCT | INTEREST | NOTES | |
| RATE | |||
| 6 | Other Existing Housing Loans with Floating Interest Rate | ||
| Floating interest rate based on the European Central Bank (ECB) interest rate, plus margin 3.25%. | ECB + 3.25% | ||
| 7 | Basic Rate of Housing Loans of the former Emporiki Bank | ||
| Floating interest rate based on the Euribor 3M, plus margin 3.30%. | Euribor 3M + 3.30% |
Disclaimer: The data of this website is for reference only. For details, please click the link to the official website to view the data.
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