For the discounts secured exclusively for you by NBG, the following applies:

• ΙΚΕΑ   

10% discount on bedroom products, as presented on the Bedroom page, in IKEA stores, in IKEA "new generation" stores, in IKEA Pick-up and Order Points, and in the IKEA e-shop. The discount is provided in the form of an electronic code/voucher, which you’ll receive via e-mail or Viber/SMS message within 15 days of disbursement of your loan, and can be redeemed until 31/12/2024. The code/voucher can be used once, in a single transaction, where the products participating in the offer do not exceed 1,000 euros. In the event that the value of the products participating in the offer exceeds €1000, the maximum discount on that transaction is €100. One code/voucher can be redeemed per transaction. In case of loss or theft, it cannot be replaced. In case of a partial or total refund you can only receive a credit voucher. Not redeemable for cash. Purchases from the Children's Bedrooms category, the Bargains section, and all services are excluded. 

 

 

 

• Public & Public + Home

10% discount, exclusively for you, on small and large home appliances, TVs and sound systems in Public & Public + Home and public.gr.  physical stores.
The discount is provided in the form of an electronic code which you’ll receive via e-mail or Viber/SMS within 15 days from the disbursement of your loan. The code will be redeemable over a period of 9 months in one transaction with no limit on the purchases amount*.

*the "Black Friday" sales period as well as the short-term offer with "free VAT" are excluded.

 

 

Your personal code can be redeemed immediately. To automatically take advantage of your discount, you just need to show your personal code to the store representative at checkout before your transaction begins, or to enter it on the coupon field in the online store, in case of online ordering.

If your application is pre-approved and the requested loan amount, the property you want to buy and the price at which you want to buy it are submitted by you within the 60-day period, along with the documents required based on JMD 189/2023, the legal and technical review follows, in order to get final approval. The validity of the final approval covers a period of up to 4 months until the signing of the loan agreement, with the possibility of an extension of up to 2 months upon approval by DYPA if there are documented valid reasons for this.  After the final approval, the loan agreement is signed at your NBG Branch, the mortgage prenotation is registered and finally the loan is disbursed. 

The loan through the Program is co-financed by DYPA. 75% of the principal (co-financed by DYPA) is interest-free (zero interest rate applied), while for the remaining 25% of the principal a floating interest rate based on Euribor 3m, plus a fixed margin of 2.50% is applied. The loan is exempt from the levy under Law 128/75 and has zero charges for review and approval of the loan request.
 Note that for the part of the principal that is subject to a floating interest rate, changes in line with any increase or reduction in Euribor apply, and this may cause your instalment amount to go up or down.
For families with three or more children, the interest rate is zero for the entire loan.

The loan is disbursed in one lump sum to your account.

Find a detailed description of the supporting documents and controls in the relevant JMD.

If you wish to be financed for the purchase of a home, but you do not meet the conditions of the Program (age, income, type of property), you can apply for another loan offered by the Bank with a longer repayment period of up to 40 years & the option of including a guarantor.

To get the loan, you’ll need to consent to the registration of a mortgage prenotation on the property. A third party personal guarantee cannot be requested as a condition for granting the loan.

Your monthly amortization instalments begin one month after the date of the loan's first disbursement. Your instalments will be collected on the same day every month by automatically debiting the account you already hold or will open with NBG.

You’ll be required to insure the mortgaged property against basic risks such as fire, earthquake, breakage-rupture of pipes, theft, etc.

You can choose any insurance company you want. Ethniki Insurance can insure your property at a particularly low premium, through quick and easy procedures. Specifically, you can get:

• a minimum property coverage plan
• a minimum and additional property coverage plan
• a content coverage plan

You can also opt for borrower's life insurance at a low premium from Ethniki Insurance, to ensure the repayment of the loan in case of unforeseen events (death due to illness or accident), though this is not mandatory.

The above insurance coverage under Ethniki Insurance plans, if chosen, is provided with the mediation of National Bank of Greece SA, 86 Aiolou,10559 Athens, GEMI No 237901000, Company Reg. No.: 311481. The Bank is registered as an insurance agent with the Special Registry of the Athens Chamber of Tradesmen under No. 1028. The Special Registry’s data are available through the online platform “Point of Single Contact (ESIP) of Active Insurance Intermediaries”, via which you can verify the registration with the Special Registry. 

A statement is sent to you every month to keep you duly updated on your loan’s remaining instalments, interest rate, outstanding principal etc.

Every month we'll send you the notification to the address you've given us. If for any reason beyond the Bank’s control the statement is not delivered to you, the instalment will nevertheless still be due for collection, as required under the loan contract. For any question you can contact your NBG Branch.

You can activate the i-bank statements service and receive online updates on your loan,  Tell me more. 

It should be settled as soon as possible. An unpaid instalment incurs default interest and affects your credit profile. 

Yes. If you have an NBG debit or credit card and are enrolled in the go4more reward program, you earn go4more points every time you pay your instalment on time.

Yes, you can make early full or partial repayment of your loan, free of charge.

To update your details you only need Internet Banking login credentials. Through the eGov-KYC service, you can change your income, contact, address and occupation details or upload the corresponding supporting documents.

Otherwise, you can visit a Branch to report any change in your details. Find out about the necessary documents in the form: “ Have you introduced yourselves? If not ... Do it now".