With ESTIA Fixed, you can buy your new home or plot for building your house with a low fixed installment. That way, you can plan your finances without any surprises.

You can also:

  • Choose a fixed interest rate forever or for the first 3, 5, 10, 15, 20, 25, or 30 years
  • Repay your loan early without charge
  • Have flexibility in the repayment
  • Apply online via Internet Banking

The perfect housing loan for:

A new home
House repairs

How much money can I borrow?

Property value


Loan amount


Loan duration (years)



Do you want more information?

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.

With ESTIA Fixed you can get a loan to be used for:

  • A home purchase
  • Land purchase for building a home
  • Building, completing, expanding, or repairing a house

The disbursement of the loan amount depends on the purpose of the loan.

  • In the case of a home purchase, the loan amount is disbursed in a lump sum.
  • In the case of construction, the loan amount is disbursed through partial disbursements, following the progress of your project. After the first payment, an engineer in partnership with the Bank will monitor the progress of the construction works before every subsequent payment.


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.

Yes, you can adjust monthly repayments by choosing:

  • An initial period of paying only interest during the first 1 or 2 years.
  • After the second loan repayment year, you can skip one installment per year.

Much more than getting a loan

Property Insurance Program

Insurance package

You can feel even more protected after taking out your housing loan with an NBG insurance package covering fire/earthquake and life.

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First expenses package

First expenses package

You can cover your moving expenses or other needs with an EXPRESS Loan, up to € 6.000, you can get easily and quickly.

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Can I get this loan?

You can get the housing loan you want through an easy process. Check out the loan conditions for information on the supporting documentation and the questions we will ask you when you apply.

More digital capabilities for you

Download the NBG Mobile Banking app

The NBG Mobile app gives you a host of benefits, from bill payments and shopping to transactions and managing your housing loan. Download the app to your iPhone or Android and simplify your transactions.
Download the NBG Mobile Banking app

Before you start

Required documentation

To get the loan you want, you need to notify us of your personal details. Depending on your nationality, we will need your ID card, passport, and/or valid foreigner’s residence permit

Income verification

You get a housing loan with the obligation to repay it. So, we will need your income tax statements for the last three years and documentation certifying your professional status, such as employer’s certificate and/or a copy of the latest salary statement and document evidencing your VAT status. If you’re a pensioner, you need to submit your latest pension payment slip.

You will also need to submit property ownership documentation (ENFIA property tax clearance certificate or a printout of no property ownership status).

For a complete list of all the required documentation, click here.

Loan limitations

To get the housing loan you want, please help us evaluate your application properly. Please answer all our questions accurately and submit all the necessary documentation.

About your loan application

Your first visit

You need to visit one of our branches and submit the necessary documentation and your application to start the process. If your application is preapproved, we will contact you to 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


After preapproval, you need to submit the necessary documents for the legal verification of property titles and technical appraisal of the property. Before the verification procedures take place, all relevant expenses should be paid in full. Click here to learn more about the necessary documentation, depending on the type of property.

Final approval

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. Read more about the next steps in question "What are the steps after the final approval? ".

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Our customer service team is here for you

Our highly trained team is waiting to answer any questions you may have, in person or by phone.