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What it offers

Up to 90% financing
Get financing up to 90% of the property commercial value and up to 100% of the purchase agreement value for energy class A, A+ properties.
Low start
You may choose to pay a 50% lower monthly instalment than the regular one at the beginning of your loan.
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.
  • Fixed rate starting from 2.80% If you choose fixed interest rate, you can secure a fixed monthly instalment for 1, 3, 5, 10, 15 or 20 years. The fixed interest rate starts from 2.80% (+ the Law 128/75 levy) and depends on the term and loan amount you choose.
  • Floating rate with 2%+ spread You can choose floating interest rate based on the 3m Euribor + spread + the Law 128/75 levy. The spread starts from 2.00%, depending on the loan amount and the financing percentage.

To take out an Alpha Residence 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): 4.12%, €589.96 monthly instalment, €141,384 total repayment amount for a €100,000 loan, with 3.50% fixed interest rate for the first 5 years and then floating interest rate (3.67% Euribor 3M + 2.20% spread), 20-year term (240 monthly instalments), €430 lump-sum 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).

Heading home

See an overview of the process to apply for the Alpha Residence mortgage loan and take the 1st step towards getting your own home.
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. Once you do, bring us the supporting documents to start the engineering inspection and due diligence. If 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 us the supporting documents for the mortgage lien, insure your property against fire, earthquake and flood, and sign the application for disbursement. 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 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. Once you do, bring us the supporting documents to start the engineering inspection and due diligence. If 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 us the supporting documents for the mortgage lien, insure your property against fire, earthquake and flood, and sign the application for disbursement. 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.

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

You get a discount on the interest rate

You get a discount on the floating or fixed interest rate if you meet all 3 conditions:

  1. The financing is for an energy-saving property.
  2. The energy-saving property is fully constructed.
  3. The property you offer as collateral is an A or A+ energy class property according to the energy efficiency certificate you bring us.
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Get an Alpha Residence mortgage loan

Secure up to 100% financing for the home of your dreams. 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.

FAQs