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Individuals Loans
Mortgage Loans

Individuals Loans
Mortgage Loans

Pancretabank is very active in the Retail Banking sector.

In particular:

  • It covers personal and consumption needs of retail clients through a range of products, determined by the needs and characteristics of each retail client.
  • The bank actively supports its clients’ housing needs by providing loans for the purchase, construction, renovation/upgrade and repair of residences, and for the purchase of a plot of land.

Purchase – Construction Of Residence

For amounts exceeding €30,000:

VARIABLE RATE

Margin of 5.00%
(Annual Percentage Rate of Charge* 5.35%)

FIXED FOR 3 YEARS

7.50%
(Annual Percentage Rate of Charge* 8.01%)

FIXED FOR 5 YEARS

7.90%
(Annual Percentage Rate of Charge* 8.44%)

Renovation – Repair Of Residence

VARIABLE RATE

Margin of 7.50%
(Annual Percentage Rate of Charge* 8.01%)

Purchase Of A Plot Of Land – Construction Of A Residence (Other Than First Home)

VARIABLE RATE

Margin 8.00%
(Annual Percentage Rate of Charge* 8.55%)

- The Law 128/1975 levy (currently 0.6% or 0.12%) is added to the aforementioned interest rates.
- The actual costs for the valuation of the property and for the mortgage prenotation are not included.

 * Annual Percentage Rate of Charge for a loan of €100,000, for fifteen (15) years repaid in monthly instalments.