If you meet the conditions for “Spiti mou ΙΙ”, book a priority appointment at a branch near you.
Bring along the necessary supporting documents that verify your personal and financial details and we fill out the application together.
We send your application for assessment.
If you receive a pre-approval, we provide detailed information about the documents you need to submit.
You have 60 days to find the property you want to buy and bring us its electronic building ID to confirm it meets the programme conditions.
We send your application to the HDB to verify if:
Once the HDB evaluation is complete, we inform you about the outcome.
Once you are included in the programme, the HDB reserves the budget for your eligible application.
We inform you over the phone or by text message about its decision.
As of the day your application is included in the programme, the following must be completed within 150 days:
If the deadline is not met, the application is rejected and the HDB releases the amount of the eligible application.
You can apply again, assuming there are available funds in the programme budget. Otherwise, the application is transferred to a runner-up list and is included in the programme if funds become available due to other inclusion decisions being cancelled.
You submit the necessary supporting documents for the engineering inspection and due diligence and we initiate the property engineering inspection and due diligence.
Our lawyer reviews the legal status of the property at the Land Registry or the National Cadastre.
Our engineer schedules an inspection of the property and estimates its value.
We confirm the legal and technical status of the property and that it continues to meet the loan eligibility criteria. You then bring the property purchase agreement to a branch near you so we can review it. We inform you on the final approval and final loan amount.
Upon that you:
You bring the necessary supporting documents and we proceed with:
Once the mortgage lien registration process is completed, we inform the HDB so the amount approved for your mortgage loan can be disbursed.
Find the answers you need about the “Spiti mou II” mortgage loan.
If the 150-day deadline specified by the programme is not met, your application is rejected and the HDB releases the amount of the eligible application.
You have the right to submit a new application, assuming there are available funds in the programme budget. Otherwise, the application is transferred to a runner-up list and is included in the programme when funds become available due to other inclusion decisions being cancelled.
Yes. Insure your property against fire, earthquake and flood at an insurance company we work with or any other insurance company you choose. In the latter case, you need to bring an insurance policy in force to the branch.
Have a look at the Home Insurance plan we offer in cooperation with Generali.
On the overview screen on myAlpha Mobile or myAlpha Web, under “My appointments’, choose “All appointments”. On your appointment tab, go to the 3 dots and choose “Change appointment” or “Cancel appointment”.
If you don’t have e-Banking credentials and booked your appointment by filling in the online form on alpha.gr, choose “Cancel appointment” on the confirmation email you received. If you want to book a new appointment, go through the steps again.
“Spiti mou II”, managed by the Hellenic Development Bank, is implemented in the context of the RRF loan programme financed by the European Union and NextGenerationEU.