If you do not like wasting your time paying current debt balance from Alpha Bank personal/consumer loans and credit cards based on different dates, Alpha Bank now offers you “Alpha All in 1, Loans and Credit Cards Consolidation Programme”, with or without mortgage, through which you save time by paying only one lower instalment than your current ones. All in 1… nice and neat!
Amount of the loan:
From Euro 1,500 to Euro 150,000.
Interest rate:
Now you can choose between:
Fixed interest rate 12.75%for ever! (plus the contribution of Law 128/75).
Fluctuating interest rate 12.25% today (plus the contribution of Law 128/75)
Or
Fluctuating interest rate Euribor 3 months (as it is defined at 29/3, 28/06, 28/09 and 29/12 of each year) plus 5.00% units today 5.21% *(plus the contribution of Law 128/75, today 0,60%). Valid for loans with mortgage.
Duration:
From 6 to 300 months
Application Fees:
Euro 120 for amounts up to Euro 5,000 and Euro 180 for amounts over Euro 5,000.
For loan with mortgage, property Titles Examination & Technical Inspection Fee of Euro 350 per property and Mortgage Prenotation Fees shall be charged to the borrower.
Amount of monthly installment:
If you wish to calculate the monthly installment and the length of the reimbursement period
You can apply through the 405 Branches of Alpha Bank or by calling 801 – 11 – 701 – 801, bearing with you:
Your identity card or other identification certificate.
The tax statement for the latest fiscal year.
Last month's payment advice regarding the liability to be transferred.
Loan Insurance:
A loan insurance programme, with a very competitive price, which is addressed exclusively to Alpha Bank consumer loan holders. This programme insures you and your family against accidental and unpredicted events that could hinder the regular payment of your consumer loan installments.
Way of servicing:
You can choose monthly amortisation installments, the settlement of which will be realised at the Alpha Bank Branches’ counters, or a standing order from a deposit account that you hold with the Bank, or cards issued by the Bank through the ATM, or Alpha Web Banking ïr by depositing through the Automated Cash Transaction Centres (ACTC).
Total Annual Cost:
Fixed rate Total Annual Effective Rate 11.65% for a loan of Euro 15,000, repayment period of 120 months and fees of Euro 180 (the contribution of Law 128/75 included)
Fluctuating interest rate Total Annual Effective Rate 11.14% for a loan of Euro 15,000, repayment period of 120 months and fees of Euro 180 (the contribution of Law 128/75 included)
Fluctuating interest rate Total Annual Effective Rate 5.965% for a loan of Euro 50,000, repayment period of 120 months and property Titles Examination & Technical Inspection Fee of Euro 350 (the contribution of Law 128/75 included)
