Mortgages for Foreigners in Greece – Apply Now!
Simple approval process for international buyers. Start today!
- Reliability - One of Greece's largest banks
- Low Interest Rates – Starting at 2.90%
- For Non-Residents – Mortgages for foreigners made easy
Getting a Mortgage in Greece Has Never Been Easier
It can take up to 12 visits to the bank to complete a mortgage in Greece, without the proper guidance.
Language barriers, bureaucratic processes, and differences in local procedures can leave you saying “it’s all Greek to me.”
Enjoy a simple, hassle-free process to get a loan in Greece, both to purchase, repair, or build a property in Greece.
Loan pre-approval can be obtained within a few days, if you have submitted all the documents required.
Home Purchase Loan
Home Repairs Loan
Home Building Loan
Beneficial Loan Terms For
How it works
- Step 1: Complete the Online Application
- Step 2: The Bank Will Contact You
- Step 3: You Find a Mortgage Loan That Covers Your Needs
Why Get a Mortgage
Fixed Interest Rate
You can choose a fixed-rate mortgage loan starting at 2.90% for 3 years, one of the best rates of the top 4 banks in Greece, while also having the flexibility to switch to a floating rate.
No Penalty for Paying Early
You may repay the remaining balance on your mortgage loan in part or in full:
- At any time
- At no cost
- Regardless of interest rate type (fixed or floating)
Apply Remotely
A representative guides you right from the beginning and through every step of the process. Loan pre-approval is available in just a few days, provided you have submitted all the documents they have requested.
Reliability
Bank with 1 of the “Big 4” banks in Greece, which is known for its innovative digital banking solutions, providing customers with easy-to-use online and mobile banking platforms.
FAQ's
Calculate Your Loan
Fixed Interest Rate Starting at 2.90% (Updated January, 2025)
Choose a mortgage loan with fixed interest rate to enjoy the security of a fixed and predetermined instalment that allows you to accurately calculate your finances.
If you are a Greek or Cypriot citizen, you may take out a mortgage loan for:
- 3 years with fixed interest rate at 2.90%
- 5 years with fixed interest rate at 3.60%
- 7 years with fixed interest rate at 3.80%
- 10 years with fixed interest rate at 4.10%
- 15 years with fixed interest rate at 4.30%
- 20 years with fixed interest rate at 4.30%
- 25 years with fixed interest rate at 4.30%
- 30 years with fixed interest rate at 4.30%
If you are not a Greek or Cypriot citizen, you may take out a mortgage loan for:
- 3 years with fixed interest rate at 2.90%
- 5 years with fixed interest rate at 3.60%
- 7 years with fixed interest rate at 3.80%
- 10 years with fixed interest rate at 4.10%
- 15 years with fixed interest rate at 4.30%
Choose between a floating or fixed interest rate for your mortgage loan.
The fixed interest rate may apply for the entire loan term. In this case, your total loan term will be extended by a minimum of 1 additional month.
The last monthly instalment you pay is calculated with a floating rate linked to the 3-month Euribor, which is adjusted monthly.
You may also choose to have a fixed interest rate for a specific initial period and then switch to a floating interest rate linked to the 3-month Euribor.
Find out the loan interest rates that currently apply.
How to Get Your Loan As Soon As Possible
Pre-Approval
Submit your application with the necessary supporting documents and get loan pre-approval in a few days.
The only condition is that the total amount of your loans, including the loan you are applying for, does not exceed €600,000.
Quick Disbursement
If you are buying a property and choose the quick disbursement process, the bank will disburse your loan within a few working days from the time you submit the purchase agreement. In addition, there is a mandatory period for reviewing the terms of the loan agreement.
To activate quick disbursement, you need to submit:
- Proof or certificate of registration at the Greek National Cadastre or the competent Land Registry.
- Special power of attorney, according to the bank’s template.
A representative will inform you about the additional costs you need to pay for the quick disbursement.
Repaying Your Loan
Monthly Installments
The installment you pay each month repays interest and part of your loan principal (repayment mortgage).
The bank will collect the instalment on the first working day of each month. The amount is withheld automatically through the bank account linked to your loan. You must ensure the account has adequate balance.
Through your e-Banking, you can monitor your loan instalments under e-Statements.
Premiums
If you are securing your loan with a mortgage lien on property, you must take out insurance on the property against fire, earthquake and weather conditions (flood, storm, squall, snow, hail and frost).
In case there is damage to the property due to these risks, the insurer covers the costs to restore the property.
You may choose any insurance company that operates in Greece.
Early Repayment
You may repay the remaining balance on your mortgage loan in part or in full:
- At any time
- At no cost
- Regardless of interest rate type (fixed or floating)
