Alpha Metron Ariston personal loan

Fixed for collateral-free loans

The Alpha Metron Ariston personal loan without collateral has an annual nominal interest rate of:

• 13.00%, fixed for the entire loan term.
• 11.00%, fixed for the entire loan term, if you receive your salary at Alpha Bank.
• 9.90%, fixed for the entire loan term, if you have received final approval of your mortgage loan at Alpha Bank.

The Law 128/1975 levy, currently 0.60%, is added to the interest rate.

Have a look at the deposit and loan interest rates.

APRC examples

Collateral-free loans: For a €15,000 loan with 13.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €180 loan fee, the Annual Percentage Rate of Charge (APRC) is 14.98%.

Collateral-free loans with payroll at Alpha Bank: For a €15,000 loan with 11.00% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €90 loan fee, the Annual Percentage Rate of Charge (APRC) is 12.47%.

Collateral-free loans with mortgage loan approval: For a €15,000 loan with 9.90% fixed nominal interest rate, 0.60% Law 128/1975 levy, 72-month term and €0 loan fee, the Annual Percentage Rate of Charge (APRC) is 11.01%.

Fixed or floating interest rate for loans with cash collateral

The Alpha Metron Ariston personal loan with cash collateral has an annual nominal interest rate of:

• 2.50%, fixed for the entire loan term.
• Floating rate based on the Euribor 3M + 2.50% spread.

The Law 128/1975 levy, currently 0.60%, is added to the interest rate.

Have a look at the deposit and loan interest rates.

APRC examples

Loans with cash collateral and fixed interest rate: For a €30,000 loan with 2.50% fixed nominal interest rate, 0.60% Law 128/1975 levy, 84-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 3.39%.

Loans with cash collateral and floating interest rate: For a €30,000 loan with floating nominal interest rate (Euribor 3M + 2.50% spread), 0.60% Law 128/1975 levy, 84-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 5.85%.

Floating interest rate for loans with mortgage lien

The Alpha Metron Ariston personal loan with mortgage lien has an annual nominal interest rate of:

• Floating rate based on the Euribor 3M + 4.50% spread.

The Law 128/1975 levy, currently 0.60%, is added to the interest rate.

Have a look at the deposit and loan interest rates.

APRC Example:

For a €30,000 loan with floating nominal interest rate (Euribor 3M + 4.50% spread), 0.60% Law 128/1975 levy, 84-month term and €250 loan fee, the Annual Percentage Rate of Charge (APRC) is 7.98%.

From €1,500 to €100,000

The amount you borrow depends on the collateral and the way you obtain it:

Through e-Banking:

• €3,001-€15,000 without collateral

By appointment at a branch:

• €1,500-€30,000 without collateral
• €5,000-€100,000 with cash collateral
• €15,000-€100,000 with mortgage lien

From 6 to 240 months

The term depends on the collateral:

• 6-96 months without collateral
• 6-240 months with cash collateral
• 12-240 months with mortgage lien

The loan fee depends on the type of personal loan you’re getting:

• €180 for collateral-free loans
• €90 for collateral-free loans, with payroll at Alpha Bank
• €0 for collateral-free loans with final approval of your mortgage loan at Alpha Bank
• €250 for loans with cash collateral
• €250 for loans with mortgage lien

We collect the fee as a lump sum from the deposit account you choose when you apply, as soon as the loan amount is deposited.

Find out about other fees for loans with mortgage lien on property or with cash collaterall.

With interest-bearing monthly instalments

Each month, you pay interest-bearing instalments, repaying both interest and capital:

• Automatically with a standing order from your account.
• Online through myAlpha Web or myAlpha Mobile.
• Over the phone with myAlpha Phone.
• At Automated Payment Systems (APS) only in cash and using any active Alpha Bank card for the required authentication.
• At ATMs with an Alpha Bank card.
• At one of our branches.

Early loan repayment

You may repay your loan at any time, without any additional charges.

Find out how you can repay your loan earlier, in full or in part.