The financing you need for the home you deserve.

We will discover the best financing solutions together so you can acquire the home you desire easily and securely.

At Uniko, we don’t just help you find your dream property—we also handle its financing, working seamlessly with the National Bank of Greece.

Here, you can design the loan for the Property purchase that's right for you and start the financing process quickly and easily. Plus, you will have access to financing solutions that meet your specific needs, and you can track your applications in real-time through the Uniko platform!

Choose the loan that's right for you.

Express your interest in financing the property you're interested in and secure a loan from the National Bank of Greece, with flexible interest rates, long repayment terms of up to 40 years, and the option for early repayment without any penalties.

Purchasing a home or a property for other purposes

Secure mortgage loans with flexible, fixed, or variable interest rates tailored to your needs.

Repair, renovation, or energy upgrade of a property

A renovation loan that offers immediate financing for upgrades, from small improvements to major renovations.

How much money can I borrow?

Change the options to see how they affect your monthly installment

What is the property value?
100002000000140000
What loan amount do you need?
10000999999100000
In how many years would you like to repay the loan?
14040
years
For how many years would you like a fixed interest rate?
0305
years
* The above calculations are indicative and do not constitute personalized pricing or a lending commitment. The indicative interest rates include the Law 128/75.
[object Object]
TOTAL LOAN AMOUNT € 100.000
For the first 5 years
€394.62/ MONTH
Fixed Interest rate: 3.62%
5
years
For the remaining 35 years
€442.63/ MONTH
Variable rate 4.47%
35
years
FULFILLED BY NBG Logo

Why choose financing through Uniko?

We work closely with the National Bank of Greece to offer you personalized loan options and a simple, supportive application process.

Fast Application Process

An immediate financing process, especially for properties certified by the National Bank of Greece, through the close collaboration between Uniko and the National Bank of Greece, accelerating procedures for your best service.

Real-time online updates for every stage

Real-time updates on the progress of your application through "My Account," giving you a complete overview of its status.

Tailored solutions for your needs

Financing tailored to your needs, with a wide range of loan options offered by the National Bank of Greece.

Favorable financing terms

Competitive interest rates and long repayment periods, up to 40 years, ensuring lower monthly installments and greater financial flexibility, from the National Bank of Greece.

Start your application with Uniko

  • 1
    Fill out the interest application form
    Start the process easily and quickly by filling out a simple interest form on Uniko.
  • 2
    Get in touch with the National Bank of Greece
  • 3
    Submit your loan application with the assistance of the National Bank of Greece
  • 4
    Track the progress of your application online

Express your interest in financing

Ready to take the first step? Uniko makes the process simple and easy. Start today!

Request a call from the Uniko experts

We have the expertise to guide you effectively, simplifying the property financing process.

Frequently asked questions about financing your property

Uniko partners with the National Bank of Greece (NBG) to provide loan financing for the property you are interested in. Simply fill out the online expression-of-interest form on the Uniko platform, and an NBG representative will contact you directly to discuss the next steps.
You can apply for a loan to finance: ✔️Purchase of a property ✔️Purchase of land for residential construction. ✔️Construction, completion, extension, or renovation of a residence. ✔️Purchase of a property at auction
The specialised consultant will also guide you in selecting the loan that best fits your financial profile and needs.
The loan term can be up to 40 years, provided that the youngest borrower with a personal income does not exceed the age of 75 at loan maturity. Uniko provides a clear and straightforward process to help you secure the most suitable financing.
To obtain the loan, you must agree to register a mortgage on a property of sufficient value, in line with the bank’s applicable policy at the time. Through Uniko, you have access to all the necessary property information to help you make the best possible choice.
There are no hidden costs. All charges are clearly stated on the National Bank of Greece website and communicated transparently by our specialised consultants. We make sure you are fully informed about every financial aspect of your project.
You can choose from: ✔️A fixed interest rate for the entire duration of the loan, or ✔️A fixed rate for the first 3, 5, 10, 15, 20, 25, or 30 years followed by a floating rate based on the 3-month Euribor plus margin, or a fully floating rate for the entire loan term. Keep in mind that the floating rate varies depending on the fluctuations of the base rate and may, therefore, increase or decrease your instalment amount. In addition, the applicable contribution under Law 128/1975 is added to the loan interest rate.
You will definitely need to insure the mortgaged property against key risks (fire, earthquake, burst/destroyed piping, burglary, etc.). You are free to choose the insurance company you prefer.
You can borrow from €10,000 up to 100% of the purchase price stated in the sale contract or the cost of the works. The exact loan amount depends on the property’s value, your income, and your financial obligations. For an initial estimate, you can use the housing loan calculator on our website.
The manner of disbursement depends on the purpose of the financing. In particular, the loan is disbursed: ✔️As a lump sum, if financing the purchase of a completed residential property. ✔️In instalments, if financing construction, completion, renovation, or purchase of a property under construction. In the latter case, after the first disbursement (advance payment), a bank-appointed engineer will verify progress and compliance of the relevant works before each subsequent instalment is released.
Once you have received final approval for the housing loan https://www.uniko.gr/en/financing, the following steps take place: ✔️Contract signing ✔️Securing of collateral ✔️Loan disbursement. Once the formalities have been completed, we will contact you to confirm the date you wish the funds to be disbursed and credited to your deposit account.
The National Bank of Greece offers the option of immediate disbursement following contract signing. Our specialised consultants will provide you with further details.
You repay the loan in monthly instalments (principal and interest), starting one month after the date of the first disbursement. Your instalment is collected automatically on the same date each month from the linked NBG account you already maintain or will open with the bank. By registering for NBG’s internet/mobile banking services, you can manage these transactions quickly and easily.
You can customise your loan instalment plan by choosing: ✔️An initial interest-only payment period for the first 1 or 2 years. ✔️ The option to skip one instalment per year, starting from the second year of repayment.
You receive a monthly statement with loan information. For digital updates, you can register for i-bank statements and receive email notifications about your loan status.
Yes, you can repay all or part of your loan early, without any charge.
Each month, the Bank will send you a payment notice to the address you have provided, unless you have registered for the i-statements service, which we highly recommend. Your instalment will still be collected automatically, as specified in your loan agreement, from the bank account linked to your loan.
Of course. By paying your loan instalments on time, you earn Go For More points, provided you hold an NBG debit or credit card and are enrolled in the program.
You can use Uniko's housing loan calculator here https://www.uniko.gr/en/financing
Do you have any questions or require assistance?
Uniko experts
The Uniko team is here to support you.
The first available advisor will contact you soon