Alpha Green Solutions –

Energy Saving Home

Save money and energy, and upgrade the energy efficiency of your home!

Financing up to 80% of the property value
Special rates depending on the energy class
Grace period option
Fixed or variable rate

Loans
Alpha Housing Loans
Alpha Green Solutions – Energy Saving Home

Meet your home needs with a deep sense of respect for the environment

With the Alpha Green Solutions – Energy Saving Home loan you can get financing with favourable terms to:

Repair/Renovate your home and improve its energy efficiency.
Buy a home classified at least under energy class B.
Build/Complete a home classified at least under energy class B.

With an energy-efficient home you can save money and energy, improve your quality of life and protect the environment.

Financing and loan term

Get financing amounting to up to 80% of the property value and up to 100% of the purchase contract value, with a minimum amount of €10,000.

You can choose your loan term, ranging from 5 to 35 years.

Interest rate

You may choose:

Fixed rate for 5, 10, 15 or 20 years.
Variable rate linked to the 3-month Euribor plus a 2.50% fixed spread (plus levy under Law 128/75).

Whenever your property climbs an energy class, you enjoy a discount on the spread.

With the Alpha Green Solutions – Energy Saving Home loan you also get:

Favourable pricing on your loan fees.
All the benefits of the Payment Adjustment Plan.
A grace period of up to 2 years, during which you can pay only the interest of your loan every 3 months.
The option to change the interest rate or term for the same loan.

Instalment calculator

Get a better image of your monthly budget, by calculating the monthly instalment of your loan. We reassure you that the data you enter in the following fields are not recorded in our archives.

Useful Files

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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 do I gain with the Energy Saving Home programme?

A lower interest rate, depending on the energy efficiency class of your home. More specifically, you get a discount on the floating interest rate spread:

-0.20% for B+ energy efficiency class.
-0.30% for A energy efficiency class.
-0.40% for A+ energy efficiency class.

Find out more about the Energy Saving Home programme.

Can I change the interest rate of my mortgage loan?

Yes, you can switch from a floating to a fixed interest rate, and vice-versa, provided it is specified in your agreement.

However, there will be extra charges if you ask to:

Interrupt the fixed interest rate period and switch to floating rate. In this case, you have to pay the cost specified in your agreement for the repositioning.
Switch to the fixed interest rate offered today for new loans. In this case, you will have to pay a €200 fee for us processing your request.

What is a floating interest rate?

A floating interest rate consists of:

The base rate (usually 3M Euribor) + spread).

The spread is fixed throughout the loan term. However, the base rate changes daily in the interbank market. This means that each month your instalment increases or decreases according to the change of the base rate and, consequently, the floating rate.

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Alpha Green Solutions –Energy Saving Home