Lending Rates

"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.

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%).

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)

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

Lending Rates

Mortgage Loans

Consumer Loans

Business Financing