Loan amount

From € 20,000

Interest rate

- Fixed interest rate for the entire loan term

- Fixed interest rate starting from 3.40% for the first years followed by a floating interest rate linked to 3-month Euribor plus a fixed margin from 3.20% or

- Floating rate linked to 3-month Euribor plus a fixed margin starting from 3.20% for the entire loan term

*Interest rate depends on the loan amount. Τhe above interest rates are nominal and are subject to the Law 128/75 levy (currently at 0.12%)

Interest rate discount based on property's energy class

Depending on the energy class of the property, based on its Energy Performance Certificate, a discount (margin reduction) is provided on the floating interest rates period of the product
Specifically:

  - For property of class A+ or A: margin reduction of 0,40%

  - For property of class B+ or B: margin reduction of 0,30%

The discount is applied only during the floating interest rate period (margin reduction) and is valid until the expiration of the loan.

Interest rate discount due to cash collateral security

1% discount (margin reduction) is provided on the floating interest rates period of the product (margin reduction) if the loan is covered by a cash collateral in euros. Cash collateral must amount to 110% of the loan and be held at a designated interest-free savings account with the Bank.

Floating rate discounts are not provided cumulatively. Maximum discount rate provided: 1%.

Financing

Up to 80% of the estimated property value (if the loan is covered by a mortgage prenonation) or up to 100% of the estimated property value (if the loan is covered by cash collateral) and up to 100% of the purchase contract value

Repayment Term

From 3 to 30 years.

Insurance coverage

Mandatory fire-earthquake of the property for the entire loan term. Optional life insurance of the borrower.

Find out about the insurance programs that Attica Bank can offer you in cooperation with Anytime/INTERAMERICAN

Repayment

By monthly amortization installments payable only via the borrower's designated loan-linked Deposit Account with Attica Bank.

Special features

- No early repayment cost

- Possibility of partial disbursements

- Grace period of up to 12 months

Get information

Get detailed information:

- on the existing banking operations pricing policy

Loan amount

From €15,000 to €75,000

Interest rate

- Fixed interest rate for the entire loan term

- Fixed interest rate starting from 3.70% for the first years years followed by a floating interest rate linked to 3-month Euribor plus a fixed margin 3.50% or

- Floating rate linked to 3-month Euribor plus a fixed margin 3.50% for the entire loan term

Τhe above interest rates are nominal and are subject to the Law 128/75 levy (currently at 0.12%)

Interest rate discount based on property's energy class

Depending on the energy class of the property after its upgradation, based on its Energy Performance Certificate, a discount (margin reduction) is provided on the floating interest rate period of the product (margin reduction).

Specifically:

- For property of class A+ or A: margin reduction of 0,40%

- For property of class B+ or B: margin reduction of 0,30%

The discount is applied only during the floating interest rate period (margin reduction) and is valid until the loan expires.

Interest rate discount due to cash collateral security

1% discount (margin reduction) is provided on the floating interest rates period of the product (margin reduction) if the loan is covered by a cash collateral in euros. Cash collateral must amount to 110% of the loan and be held at a designated interest-free savings account with the Bank.

Floating rate discounts are not provided cumulatively. Maximum discount rate provided: 1%.

Get information

Get detailed information:

- on the existing banking operations pricing policy.

Financing

Up to 100% of the invoices / pro forma invoices, offer of the contractor or equipment installation company amount and up to 70% of the estimated property value, including previous mortgages on the property.
Energy efficiency upgrades include interventions such as: window replacement, installation/upgrade of thermal insulation, upgrade of heating/cooling system, the purchase and installation of a domestic hot water system using renewable energy sources (RES), works of converting property into smart home.

Repayment Term

From 3 to 30 years.

Insurance coverage

Mandatory fire-earthquake insurance of the property for the entire loan term. Optional life insurance of the borrower.

Find out about the insurance programs that Attica Bank can offer you in cooperation with Anytime/INTERAMERICAN

Repayment

By monthly amortization installments payable only via the borrowers's designated loan-linked Deposit Account with Attica Bank.

Special features

- No early repayment cost

- Possibility of partial disbursements

- Grace period of up to 12 months

Interest rate

Fixed for up to 3 years

Financing

Up to 70% of the estimated value of the financed property completed and up to 70% of the price as confirmed by the Sales Agreement.

Repayment Term

From 3 to 20 years grace period included

Get information

Get detailed information:

- on the existing banking operations pricing policy.

Repayment

By monthly or 3-month amortization installments

Special features

- Possibility of early partial or full repayment, without charge for the customer, as long as it is carried out during the floating interest period

- Possibility of partial disbursements, as long as there is a construction period

- Grace period of up to 36 months, as long as there is a construction period

Eligible housing characteristics

- Contract value up to €200,000

- Area up to 150 sq.m.

- At least 15 years old according to the building permit.

Loan characteristics

- The loan amount can cover up to 90% of the contract value with a maximum loan amount of €150,000

- The loan duration ranges from 3 to 30 years

- For 75% of the loan capital, i.e. the part financed by the Public Investment Program, the interest rate will be zero

- For the remaining 25% of the loan capital, i.e. the part financed by Attica Bank, the interest rate will be variable, based on the Euribor three-month rate plus a margin ranging from 2.9% to 4%, without N. 128/75 tax.

- Τhe beneficiary of the program does not pay loan examination expenses.

Beneficiaries

Young people aged 25 to 39 years old (at the time of application submission) who do not own property to cover their housing needs.

In the case of couples (marriage or cohabitation agreement), at least one of the two must meet the age criterion.

Income criteria

Your annual gross income, according to your most recent tax assessment, must start from €10,000 and reach up to:

• - €16,000 for unmarried individuals
• - €24,000 + €3,000 per child for married couples or individuals in a civil partnership
• - €27,000 + €3,000 per child beyond the first child for single-parent families.

The total annual gross income is determined according to the thresholds set for the payment of the heating allowance, by decision issued under the authorization of Article 79(1) of Law 4756/2020 (Government Gazette 235/A/26.11.2020).