Through the innovative Student Loan program supported by the European Investment Fund (EIF), you're empowered to fund your academic journey at various levels including undergraduate, graduate, doctoral, and post-secondary education, seminars for digital/green skills, and professional seminars, planning your repayment in a way that suits you, for up to 7 years.

In brief:

  • Educational financing ranging from €300 to €30,000
  • Advantageous pricing with an interest rate margin of 2.8%*
  • Streamlined and expedited application process
  • Repayment up to 7 years
  • Eligibility for a grace period extending up to 12 months 

*Increased by a levy of Law 128/75, 0.60%

Make it yours in just a few steps

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You're eligible to borrow from €300 to €30,000. 
Parental or any other form of personal or collateral guarantee is not permissible under the EIF's guarantee conditions, therefore, the applicant should declare income that will be able to service the requested loan.
The repayment of principal and interest occurs monthly, beginning one month after the loan's disbursement. Your installment is due on the same calendar date each month, directly debited from the account you maintain with the National Bank of Greece.
To keep you fully updated on your remaining installments, current interest rate, and the outstanding principal amount, as a Digital Banking user, you can access your electronic notification via the "statements" service. This includes an immediate alert sent to your email upon issuance. Alternatively, you can opt for a monthly notification sent by postal mail.

The interest rate is variable and pegged to the Euribor 3M*, with an added margin of 2.8%**. 

Benefiting from the European Investment Fund (EIF) guarantee, a significant discount is applied compared to the bank's equivalent non-guaranteed "Study Loan." It's important to note that the variable rate may adjust with changes in the base rate, potentially affecting your installment amount either positively or negatively. 

*The base rate follows the European Central Bank's (ECB) intervention rate. 
** A 0.6% levy as per Law 128/75 is additionally applied to the loan's interest rate. For comprehensive details regarding the interest rate and loan expenses, click here.



Much more than getting a personal loan 

Designed to meet your needs


Go For More

For even more rewards, sign up for Go For More and gain even more Go For 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 every time a loan statement is issued. 

Learn more

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 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.

Merchant vouchers

To get a Green loan, you need to submit vouchers, pro-forma invoices, or a formal offer from a merchant evidencing the nature of the work to be done and the cost and type of products to be bought. 

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.  

Next steps

If your application is approved, you can visit your NBG branch to sign the contract, and then we will disburse the loan amount to your account.

i-bank statements

Once the loan amount is disbursed to your account, you can register for i-bank statements and get an email each time a loan statement is issued.  


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