With ESTIA Renovation, you can repair or renovate your home with a low interest rate and low fees. That way, you can renew your space easily and quickly with the support of NBG.

You can also:

Get an advance disbursement so you can immediately start repair or renovation works.
Get a financing amount of up to 100% of the cost of repair/renovation works, up to €20.000.
Get a low interest rate and 30% discount on the loan review and approval charges.

In brief:

  • Loan advance option
  • Up to €20.000
  • Reduced interest rate

Do you want more information?

You can get a financing amount of up to 100% of the cost of repair/renovation works, up to a maximum of €20.000.
With ESTIA Renovation, you can get a loan to repair or renovate your privately owned home.
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. 
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.

Much more than getting a loan

Designed to meet your needs

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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Go4more Reward Program


For even more rewards, sign up for go4more and gain even more go4more points when you pay your loan installments in time.

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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. For you to be better prepared, we will give you the Works Budget Form, which you will need to complete and bring back to use detailing all works and the associated costs.


If your application is preapproved, we will contact you to notify you and ask you to bring the completed Works Budget Form and a copy of your latest property ownership title. Based on those documents an engineer in partnership with the Bank will review your budget to ensure the fair cost of works and verify the legal status of the property. Before the verification procedures take place, all relevant expenses should be paid in full.

Signing the contract

Once all the verification procedures are successfully concluded, we will ask you to come to the Branch to sign the loan contract. You will also be able to take the advance disbursement to start the repair/renovation works immediately. The installments get disbursed to your deposit account.

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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.