Alpha First Home mortgage loan

If you are up to 50 years old, take out a loan to buy your first home with the flexibility of the Alpha First Home mortgage loan. Find out what this mortgage loan designed for young people offers and how you can start moving into your dream home.

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Loans
Mortgage loans
Alpha First Home mortgage loan

2.50% fixed interest for 3 years

Get 2.50% fixed interest rate (+ Law 128/75 levy) for 3 years. The interest rate is not affected by the loan amount or the energy class of the property.

Zero application fees

Pay no fees for us to process your loan application.

Alpha Metron Ariston benefits

Secure 9.90% fixed interest rate for a personal loan up to €30,000 and zero loan application fees.

From 5 to 35 years Repay the loan for a first home 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 something unexpected comes up, you may ask to skip 1 instalment per year and share it among the remaining instalments or have your loan term extended.
Up to 90% financing Secure financing for up to 90% of the value of the property you choose. You just need to meet the criteria and conditions.
Floating rate starting at 2.10% after 3 years Choose floating interest rate based on the 3m Euribor + spread + the Law 128/75 levy. The spread ranges from 2.10% to 2.20%, depending on the loan amount.

To get an Alpha First Home mortgage loan, you must offer some form of collateral, i.e. mortgage lien on a property. That may be either the home you are buying or another property of your choice.

If your income changes, you can adjust your loan instalment at any time 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): 3.05%, €539.90 monthly instalment, €128,901.18 total repayment amount for a €100,000 loan, with 2.50% fixed interest rate for the first 3 years and then floating interest rate (3.67% Euribor 3M + 2.20% spread), 20-year term (240 monthly instalments), €0 loan processing fee, €420 lump-sum engineering inspection and due diligence fee, €16.90 monthly home insurance premium (including 0.12% Law 128/75 levy).

Get loan pre-approval

Visit a branch by appointment and we inform you about the benefits and conditions of the mortgage loan. Once you collect the necessary supporting documents for the loan pre-approval, we fill in the application form together. If your application is approved, we send you the loan pre-approval letter.

Find the property and sign the agreement

You have 2 months to find the property. Once you do, bring us the supporting documents to start the engineering inspection and due diligence. As soon as we confirm that the property meets the conditions for a loan, we check the draft purchase agreement and you sign the final approval letter. In 5 days, you also sign the loan agreement.

Take out the loan and buy the home

Bring the supporting documents for the property to be mortgaged, take out property insurance against fire, earthquake and flood, and sign the disbursement application. Once the property mortgage lien process is concluded, you either collect the loan cheque issued in the name of the seller, or we deposit the money in their account.

Welcome home

That was all! You now have a home of your own.

Get loan pre-approval

VIEW THE DOCUMENTS

Find the property and sign the agreement

Take out the loan and buy the home

VIEW THE DOCUMENTS

Welcome home

That was all! You now have a home of your own.

View the detailed process and documents

Get detailed information about each stage of the application and collect the necessary supporting documents for a first-home mortgage loan before your appointment, so that the process is completed as soon as possible.

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Take out an Alpha First Home mortgage loan for young people

Book an appointment at a branch near you, to apply for a mortgage loan and buy your first home.

Alpha First Home mortgage loan

What it offers

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View the detailed process and documents

Find out if you can get a mortgage loan

What else you need to know

What else you need to know

What else you need to know

What else you need to know

What else you need to know

What else you need to know

What else you need to know

Take out an Alpha First Home mortgage loan for young people

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FAQs

Which loan should I choose depending on my housing needs?

Which interest rate should I choose?

What documents do I need to apply for loan pre-approval online?

If I get the loan pre-approval, do I also have to take out the loan?

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