Mortgage loan in Foreign Currency (USD, GBP, CHF)

From €20,000

The financing rate may reach, depending on the purpose of the loan and the country of residence, up to:

• 70% of the estimated value of the designated property, according to the bank's engineer's assessment.

The minimum loan duration is 3 years for floating interest rate. For fixed‑rate products, the minimum loan duration is equal to the duration of the fixed‑rate period, except for the 3‑year and 5‑year fixed‑rate products, where the minimum duration is 7 years, as well as for the 10‑year fixed‑rate product, where the minimum duration is 15 years. The maximum loan duration is 30 years, provided that at loan maturity the borrower’s age does not exceed 75 years

There is an option to choose a fixed interest rate for the entire duration of the loan or a fixed interest rate for the initial years of the loan, followed by a floating interest rate.

During the fixed interest rate period:
The interest rate is fixed for the first 3, 5, 10, 15, 20, 25, or 30 years, indicatively ranging depending on the loan characteristics and the customer’s transactional behavior from 2.65%–4.75%.

During the floating interest rate period:
There is an option to select a fixed interest rate for a specific initial period (up to a maximum of 25 years) and a floating interest rate for the remaining duration, with a maximum total loan duration of 30 years.

The floating interest rate is calculated based on the monthly SARON / SONIA / SOFR for the currencies CHF / GBP / USD respectively, plus a fixed spread, indicatively ranging from 1.65%–2.50%, for the remaining duration of the loan.

• The fixed interest rate as well as the spread of the floating interest rate are determined after evaluating your loan application by the Bank according to its prevailing credit policy, considering factors such as credit history, type of collaterals, loan amount and loan tenor.
• On top of Interest rates Levy of Law 128/1975 is charged, currently set at 0.12%
• The amount of the instalment may vary, depending on the fluctuation of the interest rate.
• In case of non-insurance against LIFE/Permanent Total Disability risks, there may be an increase in the above-mentioned spread.

For a mortgage amount of 100,000 CHF/USD/GBP, with property collateral, repayment duration of 30 years, i.e. 360 monthly instalments, floating interest rate SARON/ SONIA/ SOFR  1M (-0.21%/3.76%/3.77% on 13/02/2026) plus a spread of 2.50% (plus levy Law 128/75, 0.12%), Application Examination Fee: 500€, Legal Check Cost: 50€, Technical Check Cost: 150€, the following applies:

Loan in CHF

• Monthly instalment:  390.46  CHF
• Total Credit Amount: 100,000 CHF
• Total Credit Cost:  41,224.46  CHF
• Total Amount Payable:  141,224.46 CHF
• APR:  2.49%

Loan in GBP

• Monthly instalment:  624.20 GBP
• Total Credit Amount: 100,000 GBP
• Total Credit Cost:  125,416.13 GBP
• Total Amount Payable:  225,416.13 GBP
• APR:  6.63%

Loan in USD

• Monthly instalment:  624.85 USD
• Total Credit Amount: 100,000 USD
• Total Credit Cost:  125,875.82 USD
• Total Amount Payable:  225,875.82 USD
• APR:  6.67%

For a mortgage amount of 100,000 CHF/USD/GBP, with property collateral, repayment duration of 30 years, i.e. 360 monthly instalments, fixed interest rate 4.75% (plus levy Law 128/75, 0.12%), Application Examination Fee: 500€, Legal Check Cost: 50€, Technical Check Cost: 150€, the following applies:

Loan in CHF

• Monthly instalment: 528.90 CHF
• Total Credit Amount: 100,000 CHF
• Total Credit Cost:  91,105.00 CHF
• Total Amount Payable:  191,105.00  CHF
• APR:  5.04%
  

Loan in GBP

• Monthly instalment:  528.90 GBP
• Total Credit Amount: 100,000 GBP
• Total Credit Cost:  91,077.00 GBP
• Total Amount Payable:  191,077.00 GBP
• APR:  5.04%

Loan in USD

• Monthly instalment:  528.90 USD
• Total Credit Amount: 100,000 USD
• Total Credit Cost:  91,301.00 USD
• Total Amount Payable:  191,301.00 USD
• APR: 5.06%
  

• The APR, monthly installment, and total amount payable are mentioned exclusively for example purposes and are derived only under the precondition that the above-mentioned data will exist.
• The APR for the floating rate is calculated based on the assumption that the floating rate will remain at current levels for the entire loan duration.
• We emphasize that the insurance of the prenotated property against the risks of Fire/Earthquake is mandatory for an insured capital equal to the property's reconstruction value. There is the option to join a group insurance policy that the bank contracts with an insurance company of its choice or to submit an individual insurance policy from an insurance company of your choice, according to the bank's policies and procedures.
• The above example does not include the insurance cost of the prenotated property for the risks of Fire/Earthquake and Life/Permanent Total Disability of the borrower.

In monthly installments covering:

• Interest, principal and insurance premiums

Information about your loan installment

• The payment of the mortgage loan installments is automatically made from your deposit account in euros or converted to euros from your account in an alternative currency.
• Each installment is paid on the same date of each calendar month, and its amount is calculated based on the prevailing interest rate and the number of installments. The interest is calculated based on a calendar year of three hundred sixty-five (365) days. The number of installments is determined according to the customer's chosen duration of the loan.
• In the case that you are enrolled for Fire/Earthquake and/or Life & Permanent Total Disability risks under the group insurance policy arranged by the bank, the insurance fees are paid monthly together with the loan installment.
• Non-compliance with obligations from the loan contract may have legal or financial consequences for the borrower.

Depending on the purpose of the loan:

• Lump sum for the purchase of a ready-made property
• Partial disbursements based on the progress of the construction for purchase under construction, erection, completion, renovation, repair

• Mandatory property insurance against Fire-Earthquake for an insured capital equal to the reconstruction value of the property.
• Optional Life & Permanent Total Disability insurance for one of the borrowers, for an insured capital equal to the approved loan limit.
• There is the option to join a group insurance policy arranged by the bank with an insurance company of its choice, or to submit an individual insurance policy from an insurance company of your choice, in accordance with the bank's policies and procedures.

• Valid national ID card or passport

For employees and pensioners:

• Tax clearance note of the last fiscal year
• Income tax return (form E1) of the last fiscal year
• For employees: latest pay slip or official certificate of earnings from the company's accounting department (not handwritten), which must include detailed professional information, date of hiring,  gross and net earnings, insurance contributions, tax, etc.
• For pensioners: quarterly/monthly pension statement or the latest pension payment slip or pension award decision in cases where a pension application has been submitted

For freelancers / business owners / farmers & livestock breeders:

• Tax clearance notes for the last two (2) fiscal years
  
•  Income tax return (form E1) for the most recent fiscal year
•  Documents for the last two (2) fiscal years proving the turnover of a sole proprietorship, general partnership (O.E.) limited liability company (E.P.E.), etc. (form E3 or form N)
•  Dividend distribution certificate, if there is participation in a company

• If there is real estate property: Form E9 and Form E2 for the most recent fiscal year, if there is income from property.
• For repayment of a mortgage loan from another bank: bank statement or the two (2) most recent mortgage loan statements.

• During the evaluation of the application, additional documents/information may be requested.
• Identification and income documentation is required from every party involved in the loan (borrower/co-borrower/guarantor).

For citizens of EU Member States & residents abroad:

• Valid passport or national ID card from your country (with Latin characters)

For all other categories of economic migrants:

• Valid residence permit or valid passport from your country or special Identity Card for individuals of Greek descent (in case of Greek nationality) or foreigner’s Identity Card (in case of no Greek nationality)

For employees and pensioners:

• Tax clearance statements for the last three (3) fiscal years
• Income tax return (form E1) for the latest fiscal year
• Electricity and landline or mobile phone bill, if the residence address stated in the loan application differs from that on the tax clearance statement
• For employees: latest pay slip or official salary certificate from the company’s accounting department (not handwritten), which must include detailed employment information, date of hire, gross and net earnings, insurance contributions, tax, etc.
• For pensioners: quarterly/monthly pension statement or latest pension payment slip or pension award decision (if a pension application has been submitted)

For freelancers / business owners / farmers & livestock breeders:

• Tax clearance statements for the last three (3) fiscal years
• Income tax return (form E1) for the latest fiscal year
• Documents for the last three (3) fiscal years proving business turnover for sole proprietorships, general partnerships (O.E.), limited liability companies (E.P.E.), etc. (form E3 or form N)
• Dividend distribution certificate, if there is company participation

For employees/pensioners:

• Tax clearance statements for the last two (2) fiscal years from the country of residence
• Latest pay slip/pension slip from the country of residence
  

For freelancers / business owners / farmers & livestock breeders:

• Tax clearance statements for the last two (2) fiscal years from the country of residence
• Proof of profits and business turnover for the last two (2) fiscal years from the country of residence
  
• Transactional behavior check documents (e.g., from Experian). Specifically, U.S. residents must provide credit reports from Experian (www.experian.com) & TransUnion (www.transunion.com)

• If there is real estate property: form E9 and form E2 for the latest fiscal year, if there is rental income
• For repayment of a mortgage loan from another bank: bank statement or the last two (2) mortgage loan statements

• During the evaluation of the application, additional documents/information may be requested
• Identification and income documents must be submitted for each party involved in the loan (borrower/co-borrower/guarantor)