ESTIA GREEN is a pioneering housing loan, which offers you solutions for the purchase or construction of an energy upgraded home, as well as for energy improvements at home.
By living in a ‘green’, eco-friendly home, you can achieve substantial savings on your fixed expenses, such as heating and hot water, and at the same time, contribute to environmental protection and a better future for everyone.


ESTIA GREEN offers you:

  • financing amount from €10,000 up to 100% of the purchase price
         as per the purchase contract or the cost of works
  • reduction in the loan rate margin up to 0.80%
         (depending on the energy class of the residence)
  • discount of up to 50% on charges for the review and approval of loan requests
  • early repayment option free of charge
  • repayment flexibility in line with your needs.


In addition, each on-time instalment payment of your housing loan earns points in the go4more reward programme.

The reward points apply to NBG debit or credit cardholders registered with the go4more programme.


Moreover, in collaboration with Ethniki Insurance, we give you the option to take out insurance cover, through quick and easy procedures:

  • property insurance
  • borrower’s/ guarantor’s life insurance


For more information on the terms and conditions, see Details.

Loan purpose

  • purchase of energy upgraded homes with energy efficiency rating of at least B or B+
  • construction/completion of energy upgraded homes with energy efficiency rating of 
         at least B+
  • repair of energy upgraded homes with energy efficiency rating of at least B upon
          the completion of the works


Discount on the interest rate

A discount on the loan rate is offered through a reduction of the interest rate margin that varies depending on the energy class of the residence upon purchase or upon completion of construction or repair works. Reduction in the interest rate margin ranges from 0.20% up to 0.80%. 

If, for example the interest rate margin is fixed at 3% and a 0.20% discount applies, the margin will stand at 2.80%.

The discount applied to the interest rate depends on the purpose of the loan, as follows:

  • purchase of residence: as of the first loan instalment
  • construction or completion of residential premises: as of the completion of the works
         and provided that the borrower is current with his payments
  • repair of residence: upon completion of the repair works and provided that (a) the
         borrower is current with his payments and (b) the energy class of the property is upgraded 
         to at least the next higher energy efficiency class.


Loan disbursement

The loan is disbursed in a lump sum or in instalments, depending on the progress of the works (construction, completion or repair) for which it was granted.


Loan repayment

The loan is repaid in monthly amortization instalments on the disbursed amount. Instalment payments commence one month after the loan disbursement.

Instalments are automatically paid through a loan-linked Deposit Account designated by the borrower and  held  with National Bank of Greece.


Loan term

  • purchase or construction/completion of residence: up to 30 years
  • repair of residence: up to 15 years

on condition that the youngest party involved (borrower or guarantor), declaring personal income, will not be older than 75 years at the term of the loan.


Repayment flexibility

You can adjust the loan to your needs, by choosing:

  • an initial interest-only payment period for the first 1 or 2 years
  • option to skip one installment per year, as of the 2nd year of the loan term.


Full or partial early repayment

You can fully or partially repay your loan without any charge.



The loan is granted subject to registering a mortgage prenotation on a property of adequate collateral value, as per the Bank’s credit policy each time applicable.

The relevant cost, set out in Rates and Charges for Loans, shall be borne by the borrower.

Insuring the property

For the best possible protection of your property and in case the loan is granted subject to registering a mortgage prenotation on a property, you are required to insure your property against basic risks (fire, earthquake, breakage-fracture of pipes, theft etc.).

Ethniki Insurance undertakes to protect your property at a particularly low premium, through quick and easy procedures. Specifically, it offers:

  • a minimum property coverage plan
  • a minimum and additional property coverage plan
  • a content coverage plan

 Borrower’s / Guarantor’s life insurance

To round off the protection of your property,  Ethniki Insurance  will pay on your behalf any outstanding loan amount, in the event of the borrower’s (and/or guarantor’s) death as a result of unforeseen events (illness or accident), throughout the period until final repayment of your loan. The said insurance coverage, if chosen, is offered at a particularly low premium.

The above insurance coverage, if chosen, is provided with the mediation of National Bank of Greece SA, 86 Eolou,102 32 Athens, Company Reg. No.: 311481, Athens. The Bank is registered as an insurance agent with the Special Registry of the Athens Chamber of Tradesmen under No. 1028.


Rates and Charges

For more information regarding the rates and/or charges applying to your  loan, click here.

Stop by any NBG Branch to find out more and apply for the loan that best suits you.

Payment of Instalments

Your loan instalments are automatically paid through a loan-linked Deposit Account held with National Bank of Greece.



To keep you duly updated, the Bank sends you an account statement on a regular basis, containing information on your loan (such as outstanding principal, remaining instalments, interest rate etc.).

Moreover, if you are an Internet Banking user, you can sign up for the i-bank statements service and receive e-mail alerts regarding the issuance of your loan statements.


Change of particulars

You can update your personal details easily & quickly via Internet or Mobile Banking either through eGov-KYC or by uploading the relevant verification documents.

For the time being you can update your income, contact, address and professional activity details.

Alternatively, you can visit an NBG Branch to notify the Bank of any change in your details (ID particulars, residence address, contact details, etc).

Find out about the required ID verification documents at "Have you introduced yourselves? If not ... Do it now".