Branch Network
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What you get

Up to 100% financing
Secure financing for up to 100% of the purchase agreement or the project budget.
No mortgage lien fees
There is no mortgage lien on property. The money is made available faster and you don’t need to pay any mortgage lien fees. 
Online pre-approval
Apply for loan pre-approval online or book an appointment at a branch.
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Loan amount and term From €15,000 / Up to 35 years
  • From 5 to 35 years Repay the loan in 5 to 35 years, depending on your finances. If you want, at the beginning of your loan, you may have a grace period of up to 2 years.
  • Flexible repayment If you want, , you may pay additional instalments or even repay the entire loan amount earlier, at no extra charge. You may also skip an instalment, or change the interest type or term of the loan.
  • 2.90% fixed interest If you choose fixed interest rate, you can secure a fixed monthly instalment for 5 years. The fixed rate is equal to 2.90% + the Law 128/75 levy.
  • Floating interest rate with 1.50% fixed spread You can choose floating interest rate based on the 3m Euribor + 1.50% spread + the Law 128/75 levy.

To get the Alpha Cash Collateral mortgage loan, you must offer as collateral deposits in euro or foreign currency, units in money market or bond funds, or government securities, at a rate proportionate to the loan collateral.

If your income changes, you can ask to adjust your loan instalment with the Payment Adjustment Plan.

To meet personal and other needs, we offer the Alpha Metron Ariston personal loan with zero application fees and 9.90% fixed interest rate (+ Law 128/75 levy).

ANNUAL PERCENTAGE RATE OF CHARGE (APRC): 3.10%, €559.60 monthly instalment, €133,575.41 total repayment amount for a €100,00 loan, with 2.90% fixed interest rate for the first 5 years and then floating interest rate (3.67% Euribor 3M + 1.50% spread), 20-year term (240 monthly instalments), €350 lump-sum loan processing fee, €0 engineering inspection and due diligence fee (including 0.12% Law 128/75 levy).

Heading home

See an overview of the process to apply for the Alpha Cash Collateral mortgage loan and take the 1st step towards getting your own home.
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desmeusi
Get loan pre-approval online
Log into myAlpha Web. Fill in the details and upload the supporting documents. If necessary, you may add co-debtors and/or guarantors and complete the pre-approval application. If your application is approved, bring the necessary supporting documents to get the final loan approval. Alternatively, book an appointment at a branch.
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desmeusi
Find the property and sign the agreement
You have 2 months to find the property. We check the draft purchase agreement and, provided it meets the loan conditions, you bring the final agreement. You then sign the final approval letter. In 5 days, you also sign the loan agreement.
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desmeusi
Take out the loan and buy the home
We check the portfolio products you want to offer as collateral and you sign the application for the money to become available. Once the collateral process is concluded, you collect the loan cheque issued in the name of the seller.
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happy-family
Welcome home
That was all! You now have a home of your own.
Get loan pre-approval online
Log into myAlpha Web. Fill in the details and upload the supporting documents. If necessary, you may add co-debtors and/or guarantors and complete the pre-approval application. If your application is approved, bring the necessary supporting documents to get the final loan approval. Alternatively, book an appointment at a branch.
Find the property and sign the agreement
You have 2 months to find the property. We check the draft purchase agreement and, provided it meets the loan conditions, you bring the final agreement. You then sign the final approval letter. In 5 days, you also sign the loan agreement.
Take out the loan and buy the home
We check the portfolio products you want to offer as collateral and you sign the application for the money to become available. Once the collateral process is concluded, you collect the loan cheque issued in the name of the seller.
Welcome home
That was all! You now have a home of your own.

View the detailed process

View the detailed steps whether you apply for loan pre-approval through myAlpha Web or you choose to complete the process at a branch near you.
PLEASE ENTER UNIQUE IDs WITH NO SPACES
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Collect the information you need

Find out if you can get a mortgage loan and easily calculate your monthly instalment from your computer or mobile, no strings attached. All you have to do is answer some simple questions and fill the required information in the instalment calculator.
Answer the following questions and find out if you can get a mortgage loan, what amount you can ask for and for how many years. Collect all the information you need before visiting a branch and save time.
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Personal details
Marital status
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Year of birth
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Dependent members
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Loan parties
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Income
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Expenses
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Loan term
What is your marital status?
When were you born?
Do you have any dependent members?

What else you need to know

There are age restrictions to apply

To apply for an Alpha Cash Collateral mortgage loan, you must be:

- Over 18 years old.
- Up to 75 years old at loan maturity.

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Take out an Alpha Cash Collateral loan

Take out a mortgage loan without using up any of your funds with the Alpha Cash Collateral loan. Apply for pre-approval online or book an appointment at a branch.

Find other solutions for your home

Discover the loans we offer to buy, renovate or upgrade the energy efficiency of your home.

Frequent questions