ESTIA PRIVILEGE is a housing loan that offers you:

  • floating rate linked to 3M Euribor to adjust to the market trend, subject to a minimum that is equal to the ECB’s intervention rate, plus fixed margin throughout the entire loan term
  • financing up to the full cost of your investment (depending on the purchase contract) or project, starting at €10,000
  • long loan repayment term from 1-40 years with optional repayment, in full or in part, without time constraints and bank charges


ESTIA PRIVILEGE is intended for:

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


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 the investment or project.   From 1 to 40 years - From 1 to 40 years - Floating rate linked  to the 3M Euribor + fixed margin throughout the entire term + fees provided in Law 128/75 (currently 0.12%)


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 account holder 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 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 available 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: