Mortgage Loans

For any housing need: Alpha Residence. This loan will help you buy a house or plot (ripe for development) and also build, finish or repair your home. You can choose a fixed or floating interest rate and request a low start period. Find out if Alpha Residence is right for you.

To renovate your home: Alpha Residence Renovation When you are doing small-scale renovations, you can take out a floating interest rate loan, without the need for a mortgage lien, through very fast financing procedures. Find out if Alpha Residence Renovationis right for you.

To buy an energy efficient home or carry out an energy upgrade: Alpha Green Solutions – Energy Saving Home You can choose a fixed or floating interest rate. Find out if Alpha Green Solutions – Energy Saving Home is right for you.

To apply for a mortgage loan, you must have:

• Sufficient income for the amount you want to get.
• Low existing borrowing.
• Satisfactory credit rating with existing products.

You also have to be:

• Over 18 years old.
• Up to 75 years old at loan maturity.

The option to pay only the interest at the beginning of your loan.

he grace period may last up to:

• 24 months for mortgage loans.

• 12 months for consumer loans with collateral.

The option to pay a lower instalment at the beginning of your loan.

With the low start, you may pay up to 50% less than the regular instalment, for up to 24 months.

When the low start period expires, regular instalments are paid.

Yes. The low start applies after the grace period.

However, the grace period and the low start period may not exceed 4 years and 20% of the total loan term.

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.