“Spiti mou II” co-financed mortgage loan

If you are 25-50 years old, you can take out a loan for your first home with zero interest for 50% of the loan amount through the "My Home II" (“Spiti mou II”) programme by the Recovery and Resilience Facility (RRF), managed by the Hellenic Development Bank (HDB).

Loans
Mortgage loans
“Spiti mou II” co-financed mortgage loan

0% interest rate on 50% of the loan

You pay no interest for the 50% of the loan amount financed by the RRF. You repay it in 3-30 years, depending on your finances.

Up to 90% financing

Get a loan to cover as much as 90% of the property’s commercial value, as stated in the agreement. You need to cover the remainder.

€0 for application, inspection and due diligence

Apply by 30.06.2025 and pay no fees for application review, engineering inspection and due diligence.

Floating interest rate on 50% of the loan Take out the loan with a floating interest rate based on the 3m Euribor + 1.50% spread.
Interest rate subsidy on the other 50%, subject to conditions Get an interest rate subsidy on the remaining 50% of the loan if you have 3+ children, or 2 children and you are buying property in Orestiada, Soufli and Didymoteicho.
Free from the Law 128/1975 levy Get financing without needing to pay the Law 128/1975 levy, currently at 0.12%.
Early repayment at no extra charge Pay additional instalments or even repay the entire loan amount earlier, at no extra charge.

The “My Home ΙΙ” (“Spiti mou ΙΙ”) loan collateral can be a mortgage lien on the purchased property, at 120% of the loan amount.

For your initial moving costs or to meet any other personal needs, we offer you the Alpha Metron Ariston personal loan with zero application fees and 9.90% fixed interest rate (+ Law 128/1975 levy).

Annual Percentage Rate of Charge (APRC): For a €100,000 loan with 1.271% (2.541% * 0.5) Euribor 3M floating interest rate + 0.75% (1.50% * 0.5) spread, 20-year term (240 monthly instalments), €0 loan processing fee and €0 engineering inspection and due diligence fee, €16.90 monthly home insurance premium, the APRC is 2.02%, the monthly instalment is €506.88, and the total repayment amount is €121,650.84.

Get loan pre-approval

You fill in the form and we contact you as soon as possible to confirm that you meet the eligibility criteria. We schedule a priority appointment at the branch that works best for you. You visit the branch bringing along the necessary supporting documents and we file the application. If you receive pre-approval, you have 60 days to find the propert ...Read more

Go through inspection and due diligence

We inform you of the HDB's decision. If you’re approved, you have 90 days for the engineering inspection and due diligence to be completed, the final purchase contracts to be drafted and the loan agreement to be signed. Bring the documents for the inspection and due diligence. The lawyer reviews the legal status of the property and the engineer sch ...Read more

Sign the purchase and the loan agreement

We confirm the legal and technical status of the property, you bring the draft purchase agreement for review and sign the final approval letter. When you sign the final purchase agreement, bring it and sign the loan agreement.

Complete the mortgage lien and buy the property

We send the loan agreement to the HDB and proceed with the mortgage lien on the property. Once it’s concluded, we inform the HDB, so that the approved amount for your mortgage loan is disbursed and issue a cheque in the name of the seller.

Welcome home

That was all! You now own your own home.

Get loan pre-approval

VIEW THE DOCUMENTS

Go through inspection and due diligence

Sign the purchase and the loan agreement

Complete the mortgage lien and buy the property

Welcome home

That was all! You now own your own home.

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.

PLEASE ENTER UNIQUE IDs WITH NO SPACES

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