Managing your Loan

You can request it:

• By sending an email to CustomerService@alpha.gr.
• At the branch where you took out the loan. Book an appointment to get it done.

Online, at the home page of myAlpha Web or myAlpha Mobile, if you have e-Banking credentials.

• Through myAlpha Phone on +302103260000.
• At any Alpha Bank branch.

Enter your tax number and loan account number in the calculator, to find out if your loan:

• Has been assigned to Cepal SA, Servicing of Receivables from Loans and Credits.
• Has been transferred to a special purpose vehicle due to securitisation.
• The name and details of the special purpose vehicle.

• Automatically with a standing order from your account.
• Online through myAlpha Web or myAlpha Mobile.
• Through myAlpha Phone on +302103260000.
• At any Alpha Bank branch.
• At the Automated Payment Systems (APS) in cash only, using any active Alpha Bank card for authentication purposes.
• At an ATM with your Alpha Bank card, only for personal loans.

Confirm that your account had enough available balance on the date when payment was due:

• If the available balance was not enough, deposit the amount required to pay your instalment. The amount should be enough to cover the instalment and the default interest, from the payment due date to the date when the amount is deposited.
• If the available balance was enough, call us at +302103260000 or visit any Alpha Bank branch, so we can find out what happened.

Yes, repay your loan in full or in part at any time during the loan term, at no extra cost. All you have to do, is apply at one of our branches.

If you opt for a partial repayment, you save up on future interest by reducing the due amount and, at the same time, your next instalment is readjusted.

Once we sign the mortgage loan agreement, we open an account whose exclusive holders are you and any other person participating as a borrower in the loan. Your monthly interest-bearing loan instalments are paid automatically by standing order through this account.

You should make sure that the account has sufficient balance each month to cover the loan instalment, as well as any premiums, if you have insured your home with one of the plans we offer in cooperation with Generali.

You may make a deposit in this account:

• From your computer through myAlpha Web  or your mobile phone through myAlpha Mobile, by transferring money from another account.
• Through Alpha Bank ATMs.
• Through the Automated Payment Systems (APS) located inside our branches.
• At our branch cashiers, Monday to Friday 08:00-11:00.
  

Alternatively, as of 16.07.2024, you may also pay your mortgage loan installments by cash deposit through the Automated Payment Systems (APS) in our branches. In this case, there is a €1,000 maximum daily limit for each loan account.

You may pay additional instalments or even repay the entire loan amount earlier at a branch cashier (Monday to Friday 08:00-11:00) by making a deposit directly into your loan account. Just make sure you have sufficient balance in your account.

The early repayment process is common for mortgage loans with or without collateral. However, there are some differences in the collateral release process depending on the form of the collateral.

For loans with mortgage lien on property

The collateral is released by a deed issued by a lawyer.

To conclude the process, both the lawyer representing you and the lawyer representing Alpha Bank must be present.

For loans with deposits, securities or agreements as collateral

To release the deposit, security or agreement collateral, you’ll have to sign a collateral release agreement. 

Then, the signed agreement is delivered to Alpha Bank by a bailiff.

If you’ve chosen floating rate for your loan and as long as you’re consistent with the loan repayment, you may pay additional instalments or repay the entire loan amount earlier at no extra charge.

If you’ve chosen fixed rate, there might be an extra charge for early repayment. To be sure, check the terms of your agreement or book an appointment with a representative at the branch where you took out the loan.

You pay the instalments of your consumer loan automatically by standing order from the account you have linked to your loan account. This account can be either an existing account you hold at Alpha Bank or a new one you’ll open.

You may make a deposit into the linked account:

• From your computer through myAlpha Web or your mobile phone through myAlpha Mobile, by transferring money from another account.
• Through Alpha Bank ATMs.
• Through the Automated Payment Systems (APS) in cash only, using any active Alpha Bank card for authentication purposes.
• At a branch cashier, Monday to Friday 08:00-11:00.
  

Additionally, you may pay the instalment amount directly into the loan account by:

• Transferring money from another account from your computer through myAlpha Web or your mobile phone through myAlpha Mobile, as well as through Alpha Bank ATMs.
• Making a cash deposit through the Automated Payment Systems (APS) and at the cashiers inside our branches.
  

You may repay the entire consumer loan amount earlier exclusively at a branch cashier (Monday to Friday 08:00-11:00) by making a deposit directly into the loan account.

To complete the process, 2 transactions must be carried out:

• You deposit the amount for the full repayment into the loan account.
• We process the repayment transaction.

You may pay additional instalments of your consumer loan earlier by transferring money directly into the loan account from your computer though myAlpha Web or your mobile phone through myAlpha Mobile.

Alternatively, you may deposit the amount directly into the loan account at a branch cashier, Monday to Friday 08:00-11:00.