Are you interested in:

  • purchasing a residence
  • purchasing land to build residential premises
  • construction, completion, expansion or repair of residence

and looking for financing on competitive terms?



  • financing amount from €10,000 up to 100% of the purchase price  as per the purchase 
         contract or the cost of works
  • long loan repayment term of up to 40 years
  • floating rate linked to 3M Euribor
  • 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 residence
  • purchase of land to build residential premises
  • construction, completion, expansion or repair of residence


Loan disbursement

The loan is disbursed in a lump sum or in instalments, depending on the progress of the works (construction, completion, expansion etc.) 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

Up to 40 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, or
  • with a pledge over securities

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".