My personal needs
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Loan amount

from €25,000 

Interest rate

combination of fixed and variable rate 

Loan term

up to 30 years

Oikia Flexy

The flexy solution for your housing needs

Benefit from the combination of interest rates, with fixed installments for your loan for a period of up to 10 years and variable interest rate for the remaining repayment period.

  • Possibility of a grace period of up to 12 months 
  • Repayment of all or part of your loan before the agreed date without any charge
  • One off disbursement to buy a house or partial disbursements depending on the construction progress



Individuals, whose age will not exceed the 75th year at the end of the loan period.



The mortgage loan Oikia Flexy is available for the purpose of

  • purchase, construction, completion, repair of a residence or
  • the purchase of a plot of land to build a house.



Financing percentage

Depending on the purpose of the loan, financing percentage can be:

  • Up to 80% of the commercial value of the pre noted property, according to the Bank's engineer evaluation report or 
  • Up to 100% of the amount due, based on the purchase contract or  on the cost of works 

Interest Rate

Fixed for the first 3, 5 or 10 year and then Variable, based on Euribor 3M plus spread.

Loan Term

Fixed Rate 

Variable Rate 

Up to 30 years

For the first 3 years: From 3,50%

For the first 5 years: From 3,70%

 For the first 10 years: From 4,00%

Euribor 3M

plus spread from 2,60%

  • Fixed rate's & spread's height depend on the financing's percentage 
  • The rates are subject to Law 128/75 levy, currently 0.12%
  • In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

Find information on all our rates here .

Indicative example of mortgage loan with Fixed rate for the initial period and then Variable with physical collateral (loan term of 30 years)

For a €100.000 mortgage loan (total credit amount),  with annual  nominal Fixed rate of 4,20% (60% < LTV ≤ 80%), plus Law 128/75 levy (today 0,12%) for the first 10 years and then annual nominal Euribor 3M rate (3,58%) plus spread 2,90%, plus Law 128/75 levy (today 0,12%),  for which repayment in 360 monthly installments is agreed and collateral with Pre notation of the property, loan approval fee of  €380, other one off costs €605,60 and total Insurance costs for the case of Fire- Earthquake  €4.320:

Total credit amount: €100.000

Total credit cost: €109.850,40 of which €104.544,80 is rates, costs €985,60 and insurance costs €4.320

Total repayment amount: €209.850,40

Indicative APR: 5,43%


Loan fees

the loan approval fee is €380.

The costs of legal, technical inspection and pre-notation's registration are on the borrower in accordance to the currently applicable Commission Invoice.


Loan term is up to 30 years.

You can repay of all or part of your loan before the agreed date without any charge.

Repayment is carried in monthly installments through the borrower’s deposit account at Pancreta Bank.


  • Pre notation of the property 
  • A guarantee of an Individual may be requested if deemed necessary during the evaluation of the request


  • Mandatory Fire-Earthquake property insurance.
  • Opportunity to securely repay your loan in case of unforeseen events through the Borrowers’ Life insurance program that covers loss of life for any reason or Total Permanent Disability (TPD)

See also