Alpha Lombard Loan

Lombard credit using your GEM investment portfolio as collateral

Without liquidating your portfolio

Get a Lombard loan in a flash to meet your short- or medium-term needs, or make the most of investment opportunities without having to liquidate your investment portfolio.

Offer it as collateral, get the amount you need in your account and stay active in the markets.

Lombard loans now available in Greece

You no longer have to contact a bank abroad to get a Lombard loan. The entire process, from application to disbursement, takes place in Greece through Alpha Bank, at competitive interest rates and without having to transfer your investment portfolio abroad.

Starting at €100,000

Get a €100,000 loan to meet personal needs.

You cannot get financing to:

Buy, build or renovate property
Buy tradable securities

You receive the full amount as a lump sum in your account.
Once the loan amount has been deposited, we collect the loan application fees (€400).

Fixed, floating or mixed interest rate

Choose the interest rate type that meets your needs:

Floating – 3m Euribor + 1.25% spread + 0.60% Law 128/1975 levy
Fixed – 3.50% + 0.60% Law 128/1975 levy
Mixed – Fixed for a period and floating until maturity + 0.60% Law 128/1975 levy

APRC example

For a €250,000 loan with 4.31% floating nominal interest rate (Euribor 3M + 1.25% spread), 0.60% Law 128/1975 levy, 60-month term and €400 loan fees, the Annual Percentage Rate of Charge (APRC) is 5%.

For a €250,000 loan with 3.50% fixed nominal interest rate, 0.60% Law 128/1975 levy, 60-month term and €400 loan fees, the Annual Percentage Rate of Charge (APRC) is 4.16%.

3 months to 5 years

Repay your loan in 3 months to 5 years (60 months).

You may apply in writing to get an extension up to 2 years. The request must be submitted at least 30 calendar days before loan maturity.

Interest payments every 3 months

Every 3 months we collect your loan interest directly from your registered account.

Capital repayment upon maturity

Repay all the capital upon loan maturity, by liquidating your portfolio.

Early repayment at no extra charge

Regardless of the type of interest rate you may choose, you can repay the loan amount earlier, in part or in full, at no extra charge.

Just using your GEM portfolio

To get the loan, you offer your GEM portfolio as collateral.

You pay €130.20 for serving the cash collateral agreement.

For the loan

To get an Alpha Lombard Loan, you need to:

Already be a Private Banking client.
Hold a portfolio with GEM Portfolio Management Services.

You cannot get financing to:

Buy, build or renovate property
Buy tradable securities

For the application

To apply, you must submit:

Income tax clearance certificates (last 2 years).
Supporting documents depending on the loan use. For example, if you want to buy a boat or car, you need to submit the quote or proforma invoice.

Get an Alpha Lombard Loan today

To apply for an Alpha Lombard Loan, contact your Private Banker.