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The Bank

Lending Rates

Mortgage Loans

"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 3,50%

3,70%
   

LTV ≤ 60%

60% < LTV  ≤ 80%

Up to 5 years 3,70%

3,90%
   

LTV ≤ 60%

60% < LTV ≤ 80%

Up to 10 years 4,00%

4,20%
 

LTV ≤ 60%

60% < LTV ≤ 80%

Up to 30 years 3,50%
for the first 3 years

3,70%
for the first 3 years
Euribor 3M
plus spread 2,60%

Euribor 3M
plus spread 2,90%

LTV ≤ 60%

 

60% < LTV ≤ 80%

Up to 30 years 3,70%
for the first 5  years

3,90%
for the first 5 years 
Euribor 3M plus spread  2,60%

Euribor 3M plus spread  2,90%

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  2,60%

Euribor 3M plus spread  2,90%

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.

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%

Cosnumer 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%).

Rates for Businesses

Reference interest rate: EURIBOR


For: Business Premises, Fixed Equipment, Working Capital 

Margin from 5.00% to 5.80%, depending on the Enterprise’s RATING

  • The interest rate may be incremented by three (3) percentage points.
  • The Law 128/1975 levy is added to the aforementioned interest rates (currently 0.60%).