Frequent questions

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Personal loan

1. How can I get a personal loan?

CURRENCY

Euro

AMOUNT OF FUNDING

Up to 80% of property value.

TYPE RATE

Stable for 3 or 5 years. After the end of the interest rate becomes floating, based on the Bank's base rate for mortgages (IPV) or Euribor 6m.

For rates and charges get informed here .

MAXIMUM PERIOD OF PAYMENT

30 years

MINIMUM PERIOD OF PAYMENT

15 years

MAXIMUM AGE BORROWER IN TERMINATION OF LOAN

65 years

2. What is the maximum loan amount?

GRACE PERIOD

Possibility of grace period up to 2 years, or repay only the interest for the first two years, in cases of loan for construction, completion or under construction property market.

low dose capability, for the first two years, equal to the interest of that period, in cases where the property has been completed.

DESIGN OF DOSES

Ability to design height and frequency of dosage for floating rate loans.

SUSPENSION DOSE

Possibility of installment payment deferral, up to 2 times per year and a total of 24 times during the loan, in case of unforeseen circumstances.

special offer

Free Annual Fee Credit Card American Express and special discounts on insurance property from General Insurance of Cyprus.

REWARD OF YOUR AFTERMATH

20% discount in the amount of 13 dose (calculated on the amount of 12 dose) in cases of variable rate loans and based on its key bank rate on mortgages (IPV).

Condition, the lack of delays for the 12 months that preceded. The discount will be repeated for the duration of the loan repayment, provided that they continue to meet the criteria.

GREEN HOUSING LOAN

Deposit 0.50% of the loan amount (maximum € 500), a credit card, in case of building energy performance certificate being Class A property.

Note: Certificates Energy efficiency class building A and B means less fuel costs and electricity and reduce carbon dioxide emissions into the atmosphere.

HOUSE BY THE "KERMIA"

Discount 0.50% in margin for house purchase cases for ownership (first home or cottage) by the company KERMIA PROPERTIES AND INVESTMENT LTD.

For details on Stay up to date rates here.

3. What guarantees do I need?

Get today Mortgage Loan for your first home, with one of the following ways:

TELEPHONE

Call to 80000800 (+357) 2212 8000

NETWORK

4. How is the payback period of personal loans?

Get today Mortgage Loan for your first home, with one of the following ways:

TELEPHONE

Call to 80000800 (+357) 2212 8000

NETWORKSearch for the nearest Bank Cyprus branch to find out more.

5. How is the interest rate?

Get today Mortgage Loan for your first home, with one of the following ways:

TELEPHONE

Call to 80000800 (+357) 2212 8000

NETWORKSearch for the nearest Bank Cyprus branch to find out more.

Car loan

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  • PERSONAL LOAN
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  • HOUSING LOAN
24 HOUR EXYPIRETISI
  • Interior 800.00.800
  • Exterior +357-22128000
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