Alpha Residence

Get your loan, starting from €15,000, with a financing rate:

• Up to 80% of the property value.
• Up to 100% of the sales contract price.

You can choose a fixed or floating interest rate for your mortgage loan.

From 3.60% fixed rate

The fixed rate starts from 3.60% (+ the Law 128/75 levy) for 5, 10, 15 or 20 years. 

From 2.00% spread on floating rate

The floating rate starts from 2.00% and is based on the 3M Euribor (+ spread and the Law 128/75 levy). The interest rate depends on the loan amount and financing rate.

We know that a new home comes with increased obligations. That’s why we make it easier for you, with solutions that ensure flexible repayment.

Up to 50% lower initial instalment

You can choose the amount of the monthly instalment you will be paying at the beginning of the loan. The low start allows you to fix your instalment amount for a specified period. This amount may be up to 50% lower than your regular instalment.

Grace period

At the beginning of your loan, you can choose a grace period of up to 2 years. During this period, you only pay the interest on your loan.

1 instalment skipped / year

You may skip up to 1 instalment per year, at any time, and incorporate it in the remaining instalments.

Loan term extension

Extend the term of your loan to reduce all subsequent instalments.

Payment adjustment

The Payment Adjustment Plan allows you to modify your mortgage loan instalment at any time, if your income changes.For example, you can lower your instalment up to 50% or only pay the interest.

Find out all the benefits of the Payment Adjustment Plan.

Early repayment

You can pay more instalments or even the entire loan amount earlier, at no extra cost.