ESTIA GREEN is a pioneering housing loan, which offers you solutions for the purchase or construction of an environment friendly, energy efficient 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.

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 fixed margin rate throughout the entire loan term.


The loan amount (at a minimum of € 10,000) may finance, up to 100% of the total cost of your investment (based on the purchase contract), or of the relevant project.


The repayment term ranges from 5 to 30 years.


Furthermore, you are entitled to 50% discount to the loan review and approval charges.


The basic features of the loan, 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 relevant project. From 5 to 30* years - From 5 to 30* years - Floating rate linked to the 3M Euribor + fixed margin throughout the entire term + fees provided in Law 128/75 (currently 0.12%)

* up to 15 years for repairs


Furthermore, along with your ESTIA GREEN 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.

Discount rate 

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

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

 The discount is applied as of the first loan instalment, in the  case of a purchase of residential premises and as of the completion, in the case of a construction or repair project.

For construction or repair projects, the discount also is subject to the additional condition that the borrower is current with his payments and, in the case of repair projects,   to the condition that the energy class of the property is upgraded to at least the next higher rank.


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 disbursement and payable only via the borrower’s designated loan-linked Deposit Account with NBG.


Early repayment, in part or in full

Early or partial repayment is allowed at any time at no additional charges.  



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: