Mortgage loans

Ηousing program ‘Spiti mou ΙΙ’

Design the life you want in your own home.

Here at NBG we participate in the co-funded "My Home II" Program of the Recovery Fund, which provides low-interest loans to young people or couples aged 25-50 in order to acquire their first home.

With the "My House II" Program, you can acquire your own home with co-financing of up to 90% of its value and on particularly favourable terms, provided that you meet the criteria set by legislation and relevant provisions.

Specifically, you can get:

Loan up to 90% of the value of the property, with a maximum amount of €190,000.
Repayment term from 3 to 30 years
Interest-free financing for 50% of the loan amount financed by the RRF
Interest subsidy of 50% on the remaining loan amount financed by the Bank for families with three or more children, as well as for families with two children acquiring their first residence in the municipalities of Orestiada or Soufli or Didymoteicho of the Regional Unit of Evros.
No one-off loan review and disbursement fees

Additional benefits-privileges NBG offers you:

Exemption from legal and technical review fees, if the application for the Program is made by 30/04/2025
Additional financing through:
- EXPRESS personal loan, through the branch network, with exemption from the one-off charge and reduced interest rate (by 2 points)
- ESTIA RENOVATION with exemption from the one-off charge and reduced interest rate (by 1 point)
- Green Loan with EIF guarantee" with exemption from the one-off charge
Double Go For More reward points for each timely repayment of the monthly instalment.
Free provision of insurance coverage for the insured contents (without cover for earthquake) for the 1st year with every new borrower's Home Insurance (against fire-earthquake) and Life Insurance, by Ethniki Insurance
Acquisition of Credit Card without any additional documents.

In addition, to create the home of your dreams faster and more economically, if you’re a beneficiary of the Program and have chosen NBG for your mortgage loan, you can also benefit from the following offers:

10% discount on large household appliances at Plaisio physical stores and Plaisio.gr¹. The discount is provided in the form of an electronic code which you’ll receive via e-mail or Viber/SMS.
10% discount on bedroom items at IKEA physical stores and in the Bedroom category at IKEA e-shop². The discount is provided in the form of an electronic code that you’ll receive via e-mail or Viber/SMS.

You can also get a specially designed consumer loan of up to €1000 for purchases through Plaisio or IKEA e-shops / stores³. After the disbursement of your loan under the Program, you’ll be notified via email or Viber/SMS about the activation of the option to apply for the consumer loan.

1 The code can be redeemed in one transaction for purchases worth €499 or more and there are no limitations on the number of items and brands. Large Household Appliances include refrigerators (fridge/freezers, American style side-by-side, etc.), kitchens, built-in sets (ovens, hobs), extractor fans, microwave ovens, washing machines, dryers, washer dryers, dishwashers.

2 The code can be redeemed in one transaction for purchases up to €1,000. For transactions worth more than €1,000, the maximum discount amount will be €100. Purchases from the Children's Bedrooms section, the Offers section and all services are excluded.

3 Terms & conditions apply. For verification purposes and for your faster service, when submitting your financing application through the physical stores of Plaisio and IKEA, please present your ID document and a recent tax clearance certificate to the competent Plaisio or IKEA staff member.

"To Spiti mou II" managed by Hellenic Development Bank S.A. is implemented under the Loan Programme of the Recovery and Resilience Fund with the financing of the European Union-NextGenerationEU. The program is co-financed at 50% by the Recovery and Resilience Fund under Law 4820/2021 (Government Gazette 197) and Joint Ministerial Decision 189973/2024 (Government Gazette 6894/B/2024).

In brief:

50% interest-free loan and preferential interest rate for the remaining amount
Free-of-charge review of loan application
10% discount at PLAISIO and IKEA
Many additional privileges and discounts
Exemption from Legal & Technical review fees for applications submitted by 30/04/2025

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Do you want more information?

Who are the beneficiaries of the loan?

You can get the loan if you're 25-50 years old (in the case of spouses or persons with a civil partnership agreement, only one of you needs to meet the age criterion) and you don't already own a property suitable for your home, with an annual income based on the latest tax clearance certificate from €10,000 and up to:

single: €20,000
married/partners in a civil partnership: €28,000*
single parent families: €31,000.*

*The maximum amounts are increased by €4,000 for each child, while for single-parent families they increase by €5,000 for each child beyond the first.

What is the amount of the loan I can get?

You can get up to 90% of the purchase price as per the purchase contract up to a maximum loan amount of €190,000.

Factors such as the value of the mortgaged property and the amount you can repay every month based on your income and your other obligations are taken into account when the maximum loan amount is calculated.

So you should know that you will need to provide part of the purchase price from your own funds.

For what purpose can I be financed with this loan?

Through the loan under the MY HOME II program you can get a loan to buy a house, which:

will be used as a first home & legally exists
is located on a building or is a building with antiquity until 31.12.2007
is up to 150 sq.m in size. & its value is up to €250,000 as reflected in the purchase contract.

What is the loan term?

The loan term is set between 3 and 30 years.

How do I apply for the loan?

You can submit your application at the NBG branch that suits you best. The application must be accompanied by the necessary supporting documents evidencing the eligibility criteria (age, income requirements, lack of privately owned residence suitable for accommodation).

Once the conditions have been met, your credit standing is then assessed. Once granted, the pre-approval shall remain valid for at least 60 days.

For your convenience, book an appointment online easily and quickly, by clicking here.

Before you start

The required documents
We’ll need your ID or passport or residence permit depending on your nationality.

Proof of your income
We’ll need a tax clearance certificate from the last year and supporting documentation evidencing your employment (payslip, evidence of pension payment or VAT Returns/receipts evidencing provision of services). See here the full list of documentation required for the Program.

About your loan application

Your first visit

To start the process, you’ll need to come to a Branch, provide us with the supporting documents and submit the application. Once the application is pre-approved, we’ll contact you immediately to inform you and provide you with the pre-contract information form with the detailed terms of the loan. When submitting the application, you can give us your e-mail so that we can send you the update electronically.

Technical & legal review

After pre-approval, you’ll need to provide us with documents necessary to carry out a legal review of the contracts and a technical review of the property. Before the reviews are carried out, the relevant charges are collected.

Time for the final approval

After the reviews are completed, the application is evaluated and the final approval is issued. Then, a date is set for signing the contract in compliance with the deadlines set by the program.
In addition to the requirements for a housing loan application, a family status certificate must also be submitted, and in the case of a single-parent family, additional supporting documents on a case-by-case basis.