Housing loan applications can be submitted by Greek citizens (individuals holding a permanent residence certificate). They must have a regular income, pays and good credit history.
Housing loan
Are you planning to buy a house? ProCredit Bank with the mortgage loan it offers makes buying your home easy and safe. Find out about the advantages of our mortgage loan, the application steps and calculate your monthly installment quickly and easily.
Our mortgage offers:
- Fixed interest rate for the first 5 years: 3.50% + 0.12% levy of Law 128/75
- Period of up to 30 years
- Preliminary approval
- Fully online process
Your request was successfully submitted.
You will be contacted by a representative of the bank in the shortest time possible.
There was a problem sending the request.
Please try filling out the form again.
Housing Loan Installment Calculator
Calculate the monthly installment of your home loan based on the amount you would like to borrow quickly and easily. Don’t hesitate to contact us
Monthly installment 0 EUR / month
Total amount due 0 EUR
Annual percentage rate of charge (APRC) 0 %
APRC 0 %
Interest rate 3.62 %
*Annual percentage rate of charge
| Fees | |
|---|---|
| Request consideration fee | 300.00 EUR |
| Fee for checking ownership deeds per property | 120.00 EUR |
| Collateral evaluation fee /apartment/ | 250.00 EUR |
| Fee for registration in the land register/cadaster/pledge register | 120.00 EUR |
| Monthly account service fee | 5.00 EUR |
Housing Loan Application Process
1. Fill in and submit the application form
It is important for us to understand more about the financing you are seeking in order to make you an offer.
2. We will give you a call
Expect a call from our team.
3. Contract signature
The signing of the loan contracts is done at PCB Thessaloniki branch
4. Loan amount utilization
The loan will be disbursed into your ProCredit Bank account within 24 hours of contract signing.
Housing Loan Advantages
Benefits:
- We can give you a preliminary approval so that you will have the time to find the perfect home.
- Plan calmly and think long term: we offer a fixed interest rate so that you won’t have the risk of interest rates changes.
- You can rely on additional funds for repairs and furnishings following the purchase.
- We are ready to refinance your existing housing loan in order to offer you the best terms and conditions on the market.
- Green home and mortgage are all residential places (flats and houses) that have an energy performance with 20% lower than the upper limit of class B for residential buildings. To confirm the value, for finished buildings with Act 16 please provide an energy performance certificate with a stated value for specific annual primary energy consumption (example 1). For buildings under construction, the energy efficiency part of the approved design is required (example 2).
Our clients about us
Frequently asked questions
There are two lending options - floating interest adjusted in line with the benchmark in the beginning of each 3-month period and an interest fixed for the 5-years period. You can choose between the two options.
The loan amount can be from 30 000 EUR up to 250 000 EUR but mostly it depends on your income, the self-participation of the property of the purchase price and the costs of the property.
Our standard policy is to finance 80% of the property price. It is therefore recommended that you are able to self-finance 20% of the transaction amount.
We do finance properties that are still under construction upon terms that are identical to those described above. With this type of transactions it is, however, important that the payment stages of the construction and the loan disbursement stages are time matched. Our experts will be able to offer the best solution.
All the fees for the house loan are included in the calculator with which you can calculate what the total amount due will be. You can also calculate what the annual percentage rate of charge (APRC) will be.
There is an early repayment fee if you make early repayment of the house loan up to 12 months of the disbursement in the amount of 1%. If the early repayment of the house loan is more than 12 months from the loan disbursement, then it will be free of charge.
We only require that your property is insured. Life insurance is not required.
