Mortgages

You can have the home you always wanted, the way you want.

Why get a mortgage from us?

Favorable loan terms

Fixed or floating rate? Or a combination of the two? You can choose the best option for you.

Long repayment term

Reduce your monthly installments with a long repayment term that can reach up to 40 years.

Easy to get

Submit your application online and get the loan you want in a few easy steps.

How much money can I borrow?

Change the options to see how they affect your monthly installment.

* All figures provided are for illustrative purposes only. This is not a formal quotation or a commitment to lend.

Am I eligible?

‘Spiti mou’ housing program

Welcome life with confidence, in your own home.

Tell me more

I’m interested in "Exoikonomo"

You can express your interest through the dedicated form, and soon one of our associates will contact you! Alternatively, for more information on the terms and conditions of the program, you can call 210 690 5200 and contact one of our specialized partners.

Compare our housing loans

Duration (years)

Amount

Type or interest rate

Interest rate

Duration of fixed interest rate

Collaterals

Repayment

Early repayment

Skip payment option

Terms and conditions apply.

Interest-only payment option

Terms and conditions apply.

One-off charge for review and approval of loan request

50% discount on loan disbursements through to 31.12.2024

Other Costs

Estia Fixed Mortgage Loan

10 - 40

Up to 100% of the contract or the repair cost

Fixed for the first years or for the entire duration

Fixed from 2.90% & after that floating 3M-Euribor + margin from 1.85%

For the first 3, 5, 10, 15, 20, 25 or 30 years

Mortgage prenotation

monthly amortizing installments

YES

for the first 1 or 2 years

€490

Legal & technical due diligence & Prenotation registration

Tell me more

ESTIA Privilege Mortgage Loan

1 - 40

Up to 100% of the contract or the repair cost

Floating

3M-Euribor + margin from 1.75%

Mortgage prenotation or asset pledging

monthly amortizing installments

YES

For the first 1 or 2 years

€ 490

Legal & technical due diligence & Prenotation registration

Tell me more

Estia Renovation Mortgage Loan

1 - 10

Up to 100% of the renovation cost

Floating

3M-Euribor + margin 4.90%

monthly amortizing installments

YES

For the first 1 or 2 years

€ 343

see General Pricelist

Tell me more

Estia Green Mortgage Loan

15 - 40

Up to 100% of the contract or the repair cost

Floating or fixed for the first years

3M-Euribor + margin from 1.50% or fixed from 2.90% & after that floating 3M-Euribor + margin from 1.60%

Mortgage prenotation

monthly amortizing installments

YES

For the first 1 or 2 years

€ 245

Legal & technical due diligence & Prenotation registration

Tell me more

Get a mortgage with a simple 5 steps process

Step 1: Find out how much money you can borrow

Depending on the amount of money you need and what you need it for, select the mortgage that suits you best.

To get a better idea of the loan amount you can get, you can use our loan calculator to determine the right repayment plan for your circumstances.

If you prefer, you can visit an NBG branch to discuss your mortgage and calculate the amount together.

You can find all the information you need in the document General Information on NBG Mortgages.

Step 2: Apply at an NBG branch

To start the process, please visit one of our branches and submit the necessary documentation and your application. If another person takes part in the application, they need to be present too.

Together we will prepare and submit the application. If your application is preapproved, we will notify you and provide you with the European Standardised Information Sheet – Initial Offer detailing the loan terms. You can provide your email for your convenience, and we will send you the documents digitally so you won't need to visit the branch.

If you are interested in ESTIA Privileged or ESTIA Green, you can also apply online here.

Step 3: Technical and legal verification

After preapproval, you need to submit the necessary documents for the legal verification of property titles and technical appraisal of the property.

Once all the verification procedures are concluded, your application gets evaluated, and final approval is given. You will then receive the European Standardised Information Sheet – Binding Offer and set a date for signing the loan contract.

For better planning, please note that – by law – at least five days must have lapsed from the day all the participants in the loan contract receive the Binding Offer before you can go ahead with signing it.

Step 4: Signing the loan contract

To sign the loan contract, you visit an NBG branch, and at this point, you also need to insure the property.

After the loan contract is signed, it's time to pay the mortgage prenotation expenses and initiate all relevant actions. We are doing our best to relieve you of unnecessary stress and painful procedures, so an NBG associate lawyer undertakes to arrange the mortgage prenotation and obtain all relevant certification upon completing the process.

If you have chosen to back your loan with liquid assets (such as deposits in euro), at this point the process is concluded to secure your loan.

Step 5: Loan disbursement

As soon as all formal procedures are concluded, we'll get in touch with you so you can notify us of the date you would like the loan to be disbursed to your account.

Please note that this 5 steps process doesn't apply to ESTIA Renovation.

Do you want more information?

Is the information on mortgage loans available in the form of an electronic brochure?

Of course. You can download the electronic brochure by clicking here.

What is the loan amount I can get?

The loan amount starts at a minimum of €10,000 and may finance up to 100% of the total cost of your investment - based on the purchase contract - or relevant project.

In order to calculate the maximum you could borrow, we take under consideration parameters like the property value and the monthly repayments you can afford depending on your monthly income and standard expenditures.

You should note that it will be necessary to make a down payment in the event of a home purchase. To get a better idea of the loan amount you can get, you can use our loan calculator to determine the right repayment plan for your circumstances.

How can I repay my monthly loan repayments?

You can pay by monthly amortization installments, starting one month after the loan disbursement and payable via the borrower's designated loan-linked Deposit Account with NBG.

How does the Bank notify me about my installments, loan rate, and other details?

The Bank sends you a monthly notification regarding your housing loan, remaining principal, remaining installments, the interest rate on outstanding amounts, etc. Moreover, if you're using NBG Internet Banking, you can register with i-bank statements and receive notifications via email.

Can I make an early repayment?

Yes, you can make an early or partial repayment at any time without any additional charge.

Pre-approval within 48 hours & fixed interest rate from 3%

Which terms & conditions apply to the pre-approval of a housing loan in 48 hours?

The pre-approval within 48 hours requires:

Submission of a new housing loan application together with all the relevant documentation
A time period of 2 working days as of the day following the date of submission of the application

Special cases of applications may not be pre-approved within that time period.

How can I get a loan?

You can get the loan you want with an easy process. Find out more about the supporting documents and the questions we will ask you during the application process in the loan's conditions.