Personal loans

Personal loan with mortgage prenotation

You can get the amount you need on favorable terms, by leveraging your property.

With a Personal loan with mortgage prenotation, you can leverage your property's value and get the loan on favorable terms.

You can also:

  • Borrow over €10,000
  • Repay the loan in 20 years
  • Get a low interest rate

In brief:

  • Financing your needs
  • Leveraging your property
  • Long repayment term
Make it yours in just a few steps

Do you want more information?

The minimum loan amount is €10,000.
Yes. The loan is granted subject to a mortgage prenotation on a property asset of sufficient collateral value under NBG's current lending policy. For any related expenses, please read more information here: Rates and Charges.
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.
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.

The loan is available at a floating rate, based on the 3Μ Euribor, subject to a minimum equal to the ECB's intervention rate, plus a fixed margin rate throughout the entire loan term. Please note that the floating rate fluctuates in line with any increase or decrease in the base rate, which will impact your monthly installments accordingly. The floating rate also includes the levy required under Law 128/75, currently 0.60%.

For further details about the loan rate and expenses, click here.

It is helpful to know that the loan rate is customized after reviewing your loan application and taking into account factors like the purpose of the loan, the property value, and your credit score.

Much more than getting a personal loan

Designed to meet your needs

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Go4more rewards

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

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i-bank statements

i-bank statements

You can register for i-bank statements and get an email informing you every time a loan statement is issued.

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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.
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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 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 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 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.

Verification

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.

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.  
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We are always ready to respond to your requests for information or to answer your questions about our products and services.

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Please complete the following details so we can provide you the information you need. In case of fraud, please contact our call center directly at 210 484 8484.
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