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What you get

Free from guarantor and Law 128/75 levy
Secure financing without needing a guarantor. You are also exempt from the Law 128/75 levy of 0.12%.
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.
Alpha Metron Ariston benefits

Secure 9.90% fixed interest rate (+ Law 128/75 levy) for a personal loan up to €30,000 and zero loan application fees.

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Loan amount and term Up to €150,000 / Up to 30 years
  • With 75% State financing 75% of the amount is financed by the State, up to €112,500. 25% of the amount is financed by us, up to €37,500. Repay the loan in 3-30 years, depending on your finances.
  • Early repayment at no extra charge You can pay additional instalments or even repay the entire loan amount earlier, at no extra charge.
  • 0% interest rate on 75% for large families Get 0% interest rate on 75% of the loan. You also get 0% interest rate on the remaining 25% of the loan if you have 3 or more children.
  • Floating interest rate on 25% of the loan Floating interest rate based on the 3m Euribor + 2.20% spread, exempt from the Law 128/75 levy.

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

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): 1.89%, €481.17 monthly instalment, €115,900.06 total repayment  amount for a €100,000 loan, with floating interest rate (0.92% ¼ of Euribor 3M + ¼ of 2.20% spread), 20-year term (240 monthly instalments), €0 loan processing fee, €420 lump-sum engineering inspection and due diligence fee, €16.90 monthly home insurance premium.

Heading home

See an overview of the process to apply for the “Spiti mou” mortgage loan and take the 1st step towards getting your own home.
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Get loan pre-approval
Come to the appointment bringing along the necessary documents. We ensure that you meet the criteria and we fill out the application together. If your application receives a pre-approval, you provide the property details. We send your application to the Hellenic Development Bank (HDB) for assessment.
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Go through inspection and due diligence
We inform you of the HDB's decision. Provided your application is approved, you have 60 days to bring the necessary documents for the engineering inspection and due diligence. Our lawyer reviews the legal status of the property at the Land Registry or the National Cadastre. Our engineer will verify that the property complies with legal requirements ...Read more Read less
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Get HDB approval and take out the loan
We ensure that the property meets the conditions and you sign the agreement. We send the loan agreement to the HDB for final approval. Once this is done, we proceed with the mortgage lien on the property. We inform the HDB and we issue the cheque in the name of the seller.
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happy-family
Welcome home
That was all! You now have a home of your own.
Get loan pre-approval
Come to the appointment bringing along the necessary documents. We ensure that you meet the criteria and we fill out the application together. If your application receives a pre-approval, you provide the property details. We send your application to the Hellenic Development Bank (HDB) for assessment.
Go through inspection and due diligence
We inform you of the HDB's decision. Provided your application is approved, you have 60 days to bring the necessary documents for the engineering inspection and due diligence. Our lawyer reviews the legal status of the property at the Land Registry or the National Cadastre. Our engineer will verify that the property complies with legal requirements ...Read more Read less
Get HDB approval and take out the loan
We ensure that the property meets the conditions and you sign the agreement. We send the loan agreement to the HDB for final approval. Once this is done, we proceed with the mortgage lien on the property. We inform the HDB and we issue the cheque in the name of the seller.
Welcome home
That was all! You now have a home of your own.

View the detailed process and documents

Get detailed information about each stage of the application and collect the necessary supporting documents before your appointment, so that the process is completed as soon as possible.
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

There are age restrictions to apply

To apply for the “Spiti mou” co-financed mortgage loan you must be 25-39 years old on the date when you file the application, and be single, married, in a civil partnership or a single parent.

In the case of a couple, it is enough for 1 of the partners to be 25-39 years old.

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Find other solutions for your home

Discover the loans we offer to buy, renovate or upgrade the energy efficiency of your home.

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