Individuals, whose age will not exceed the 75th year at the ending period of the loan.
Mortgage loan
from €25,000 to €500,000
Variable rate Euribor 3M plus spread from 1.50%
up to 30 years
Acquire your home with the comfort of a long repayment period and a preferential variable interest rate of your loan.
Individuals, whose age will not exceed the 75th year at the ending period of the loan.
Oikia Variable Rate is available for the purpose of:
Depending on the purpose of the loan financing could be:
Variable interest rate, based on Euribor 3M, plus spread of 1,50%
Find out more about interest rates here.
Mortgage loan with variable rate and physical collateral (loan term of 30 years)
For a €100.000 mortgage loan (total credit amount), with annual nominal variable rate consisting of Euribor 3M, today 3,58%, plus spread 1,90% (60% < LTV ≤ 80%), 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: €111.976,30, of which €106.670,70 is rates, costs €985,60 and insurance costs €4.320
Total repayment amount: €211.976,30
Indicative APR: 5,84%
The loan approval fee is €380.
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.