Interest rates and charges (For your holiday / house)


Both the interest rates for your housing loan and the charges which may be payable over the loan term are shown in detail below.

Interest rates 


APR *        

Estimated loan installment

Total payable amount

BBHR + 0,90% (contribution >40%)




BBHR + 1,00% (contribution <=40%)




Euribor 6M + 3,50%




The Bank base rate for housing loans is 2.03% 

Euribor6M: The Bank sets a minimum percentage of 0% for Euribor 6m.

  • The above schemes are charged with 1% arrangement fees and €75 documentation fees
  • *The APR was calculated on 15/09/2017 for a loan of € 100,000 (estimated property value of € 150,000), 20 years repayment (240 instalments), with variable interest rate (as shown on the table above). The APR and the total payable amount include all Bank and valuation fees, stamp costs for the documents of the financing, and a mortgage registration fee (1%) paid to the Land Registry. The example assumes that the client will provide life and fire insurance which will be assigned and the property will be mortgaged for the benefit of the Bank


To learn more about charges, click here.

The Bank reserves the right to turn down any request at its discretion and to withdraw any product at any time. Loans are only available where the applicant provides the Bank with asset-based collateral which in its view is satisfactory. The interest rate and instalment for housing loans can be changed by the Lender from time to time.

You run the risk of losing your real estate assets if you fail to keep up mortgage instalments or instalments on any other loan secured by a mortgage on your property.

CONTACT US 800 00 800 / (+357) 2212 8000 EMAIL US