Interest rates and charges

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


Loan Options



Estimated loan instalment in Euro

Total payable amount

Renovation of Own Home

Variable interest rate

BHR + 0,75%




Euribor 6m + 3,25%




Renovation of Holiday Home


Variable interest rate

BHR + 1,25%




Euribor 6m + 3,50%




  •  The Bank base rate for housing loans is 2,15% 
  •  *The APR has been calculated based on a €100,000 loan repayable over 15 years and the Bank base rate for housing loans.
  •  **The APR has been calculated based on a € 100,000 loan repayable over 15 years and the Euribor 6M rate (0,00%). Τhe Bank sets a minimum percentage of 0% for Euribor 6m. 
  • The above schemes are not charged with initial bank charges


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

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