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Lending Rates

Mortgage Loans

New Start

Loan Duration   Fixed Rate  Variable Rate   LTV
Up to 30 years

2.70% for the first 3 years

2.90% for the first 3 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

3.20% for the first 5 years

3.40% for the first 5 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

3.70% for the first 10 years

3.90% for the first 10 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

  • The above interest rates are subject to the levy of Law 128/75, currently 0.12%.
  • In any case the Euribor rate assumes a negative value, for as long as this lasts, a zero-reference rate will be applied.
  • A discount is provided on the variable interest rates of the product (spread reduction) depending on the energy class of the property at the time of the purchase or after the completion of the construction work according to the Energy Performance Certificate (EPC) of the property that the debtor submits to the Bank. For property energy class A+ or A, B+ or B: spread discount 0.15%. The discount is applied only during the period of validity of the variable interest rate (spread reduction) and is valid until the end of the loan.

 

"Oikia"

Mortgage loan to
  • Buy
  • Built
  • Renovate
  • Complete or
  • Buy a plot to built a home
Loan Term Fixed Rate Variable Rate LTV
Up to 3 years 3.00%

3.20%
   

LTV ≤ 60%

60% < LTV  ≤ 80%

Up to 5 years 3.50%

3.70%
   

LTV ≤ 60%

60% < LTV ≤ 80%

Up to 10 years 4.00%

4.20%
 

LTV ≤ 60%

60% < LTV ≤ 80%

Up to 30 years

 

3.00%
for the first 3 years

3.20%
for the first 3 years

Euribor 3M
plus spread 2.00%

Euribor 3M
plus spread 2.50%

LTV ≤ 60%

 

60% < LTV ≤ 80%

Up to 30 years

 

3.50%
for the first 5  years

3.70%
for the first 5 years 

Euribor 3M plus spread  2.00%

Euribor 3M plus spread  2.50%

LTV ≤ 60%

 

60% < LTV ≤ 80%

Up to 30 years

 

4,00%
for the first 10 years 

4,20%
for the first 10 years 

Euribor 3M plus spread  2.00%

Euribor 3M plus spread  2.50%

LTV ≤ 60%

 

60% < LTV ≤ 80%

Up to 30 years   Euribor 3M plus spread  1.50%

Euribor 3M plus spread 1.90%

LTV ≤ 60%

 

60% < LTV ≤ 80%

  • Interest rates are subject to Law 128/1975 levy (today 0.12%)
  • In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

 

Home Improvement Loan Oikia Upgrade (without mortgage prenotice)

Loan term   Variable rate 
from 3 to 7 years Euribor 3M
plus spread
4.50%
  • Interest rates are subject to Law 128/1975 levy, today 0.12% and if the home is an investment property 0.60%.
  • In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied. 

Consumer Loans

Brand name

Variable Interest

Spread*

Solutions for you

Variable interest rate

calculated at Euribor 1M

9,70%

micro Solutions for you,

for amount €1.000

Variable interest rate

calculated at Euribor 1M

8,40%

micro Solutions for you,

for amounts from €1.000,01 up to €2.000

Variable interest rate

calculated at Euribor 1M

8,60%

micro Solutions for you,

for amounts from €2.000,01 up to €3.000

Variable interest rate

calculated at Euribor 1M

8,80%

Proodos

Variable interest rate

calculated at Euribor 1M

7,70%

Consumer Loan with collateral

Variable


Reference Interest Rate: ECB

From 6,50%

*The interest margin is formulated based on the credit risk, the profile of the client and the overall relationship with the Bank. Additional rate rebates can be offered, depending on the borrower’s relationship and cooperation with the Bank, as well as the type of the collateral.
**In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied .

  • Interest rates are subject to Law 128/1975 levy (today 0,60%).

Business Financing

 

 Working Capital New Start

Fixed Rate 4.50% over the total duration of the loan
  • The interest rate is subject to the levy of Law 128/75 (currently 0.60%) 
  • Interest calculation time base: Year of 360 days   

 Working Capital Financing Solutions                   Pancreta EASY BUSINESS Reference Rate  Interest Margin 

 Pancreta EASY BUSINESS -
 Working Capital Collateral-free

Variable,
based on Euribor 3M
From 5.00% to 10.00%

 Pancreta EASY BUSINESS -
 Working Capital against Cheques / Invoices

Variable,
based on Euribor 3M
From 3.50% to 8.50%

 Pancreta EASY BUSINESS -
 Working Capital Asset-based

Variable,
based on Euribor 3M
From 2.25% to 7.00%
  • The customer's interest rate margin is formed based on the credit rating assessment and the type of collateral provided
  • In the event that the Euribor rate takes a negative value, and for as long as it lasts, a zero reference rate will be applied
  • The above interest rates are subject to the levy of Law 128/75 (currently 0.60%)
  • Interest calculation time base: Year of 365 days

 

 Investment Loans
 Pancreta EASY BUSINESS

Reference Rate Interest Margin 
 Pancreta EASY BUSINESS -
 Business Premises Loan
Variable,
based on Euribor 3M
From 2.25% to 7.00% (*)
From 5.50% to 10.50% (**)
 Pancreta EASY BUSINESS - 
 Business Equipment Loan
Variable,
based on Euribor 3M
From 2.25% to 7.00% (*)
From 5.50% to 10.50% (**)
 (*)  with collateral
 (**) without collateral 
  • The customer's interest margin is formed based on the credit rating assessment and the type of collateral provided 
  • In the event that the Euribor rate takes a negative value, and for as long as it lasts, a zero reference rate will be applied
  • The above interest rates are subject to the levy of Law 128/75 (currently 0.60%) 
  • Interest calculation time base: Year of 365 days 

 

 Green Loans for   Photovoltaic Systems     up to 500 kW Variable based on  Euribor 3Μ

For financing with collateral, margin 2.50%** and for financing without collateral, margin from 2.90% up to 3.90% depending on the percentage of own participation  

** The interest rate margin is formed according to the percentage of own participation as well as the additional collateral provided.

  • The interest rate is charged with the levy of Law 128/75, unless otherwise specified in a decision to include the investment in a development program or other type of special status

 Loans for Business Premises, Fixed Equipment,   Working Capital 

Variable based on  Euribor Margin from    5.00% *

* The margin is shaped according to the credit rating score of the business.
   The interest rate may increase by three (3) percentage points. 

  • The interest rate is charged with the levy of Law 128/75 (0.60% today)