Alpha Residence Renovation

Design your residence from scratch, launch instantly its renovation and meet fully your latest needs for a modern house.

Instant disbursement

Grace period available

Option of early repayment at no charge

Loans
Alpha Housing Loans
Alpha Residence Renovation

Alpha Residence Renovation

Redesign your house so that it meets your latest needs, improve the ergonomics and aesthetics of your property and enjoy the benefits of a modernised residence.

Renovate completely your residence and benefit from the premium financing offered by the housing loan “Alpha Residence Renovation”.

Loan financing and term

For minor works, we offer you financing ranging from €5,000 to €15,000, without mortgage on property, which is granted in two equal instalments.
You can choose the repayment term of your loan from 3 and up to 8 years.
For larger scale works, we offer you financing up to €40,000 with mortgage on property. The repayment term of your loan may be up to 20 years.

The interest rate

The interest rate of the “Alpha Residence Renovation” housing plan is as follows:

For minor works (financing up to €15,000), it is variable, based on the 3-month Euribor plus a fixed margin of 7.00%.
4For larger-scale works (financing up to €40,000), it is floating, based on the 3-month Euribor plus a fixed margin of 3.00%.

In addition, with Alpha Residence Renovation you may:

select a grace period of up to 6 months, during which you may pay only the interest of your loan
repay early your loan (in whole or in part) without any charge
enjoy all the benefits of the “Adapting my Instalment” plan.

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Branch appointment

Choose the branch, day and time you prefer, and book your appointment online.

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Frequent questions

What is the difference between a fixed and a floating interest rate?

A fixed interest rate does not change throughout a specified period, agreed upon from the beginning. Especially with consumer loans, its remains fixed throughout the term of the loan.

A floating interest rate follows the changes of the base rate, leading to a corresponding change in the amount of your instalment.

Which interest rate should I choose?

The one that best fits your needs. If you wish to:

Ensure a fixed monthly instalment for a specific period, you can choose a fixed interest rate.
Follow the market trends, you can choose a floating interest rate. In this case, the amount of the instalment will increase or decrease every month, depending on the interest rates.

How do I find out if my loan has been approved?

At the branch where you applied.
Via SMS at the number you wrote in your application.
Via email if you have applied online for a consumer loan.

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