ESTIA PRIVILEGE loans provide security against future rate increases, on the basis of a pre-set term and rates fixed for the first 3 or 5 years.

If you choose a loan with a repayment term that is longer than the fixed rate period, after the fixed rate period expires, your loan instalments will be calculated on the basis of the 3Μ Euribor, subject to a minimum equal to the ECB’s intervention rate, plus fixed margin throughout the entire loan term.

The loan amount, subject to a minimum of €10,000, may   finance up to the total cost of your investment (based on your purchase contract), or of your relevant project.  The overall loan repayment term ranges from 6 to 40 years.


The loan term of the fixed rate period and of the overall loan repayment term can be arranged to suit your needs, on the basis of a loan programme of your choice.


ESTIA PRIVILEGE loans are intended for:

  • purchase, construction, completion, extension or repair of premises
  • purchase of land.


ESTIA 3, 5 PRIVILEGE at a glance


  Term Interest rates
Loan amount Total term* Fixed rate period Floating rate  Fixed rate period Floating rate 
From €10,000, up to the full cost of your investment or of the project cost. From 6 to 40 years 3 or 5 years Remaining term Fixed rate for the first 3 or 5 years Floating rate linked to the 3M Euribor + fixed margin throughout the entire term + fee provided in law 128/75 (currently 0.12%)

​*loans with a fixed rate for the first 3 years, are subject to a minimum term of 10 years.   


Furthermore, along with your ESTIA PRIVILEGE loan (or any one of NBG’s Housing loans) you are entitled to privileged rates, if you are an accountholder of NBG’s Salary Plus.


In cooperation with Ethniki Insurance, NBG offers you programs with fast and easy procedures at remarkably low premiums:

  • property insurance
  • borrower/Guarantor Life Insurance

For more information on the terms and conditions of the relevant programs, click on Details.

Loan disbursement

The loan amount may be disbursed in a lump sum or in case of construction, through partial disbursements, following the progress of your project.



By monthly amortization instalments, starting one month after the loan’s disbursement, payable only via a designated loan-linked deposit account with NBG.



The loan is granted subject to a mortgage prenotation on a property asset of sufficient security value, in accordance with NBG’s current lending policy. The relevant expenses (Rates and Charges) are borne exclusively by the borrower. 


Property insurance

Insurance coverage is required to ensure best protection of your financed property against basic risks, such as fire and earthquake, pipe fracture/cracking, burglary etc.  

Ethniki Insurance undertakes to insure your property at a very low cost through fast and easy procedures, offering the following insurance packages:

  • minimum insurance coverage
  • minimum and additional insurance coverage
  • contents insurance coverage


Borrower/Guarantor Life insurance:

To ensure the complete protection of your property, Ethniki Insurance also undertakes to pay up the remaining loan balance, in the event of the borrower’s and/or guarantor’s death due to illness or accident during the loan repayment period. This insurance coverage is optional, and offered at a remarkably low cost.


Rates and charges

To find out about the rates and charges associated with the housing loan, click here.

Stop by your nearest Branch and apply for your housing loan today!

Instalment payment     

Your housing loan instalments are automatically paid through an NBG Deposit Account, which is linked to the loan.



The Bank sends you, on a regular basis, notification regarding your housing loan, remaining principal, remaining instalments, interest rate on outstanding amounts etc.).                             


​Change of personal details

Please inform us about any changes to your personal details (address, contact details etc.) by visiting one of our Branches.

Learn about the documents you need to submit, for updating your personal details by: