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The financing you need for the home you deserve.

Discover financing solutions to acquire the home you want easily and securely.

At Uniko, beyond apart from searching for the ideal real estate property for you, you also have the option to express your interest in financing through the National Bank of Greece.

You can complete the expression of interest form to and then you will be contacted by NBG, quickly and easily, regarding financing products that meet your housing needs, and track its progress in real time through the Uniko platform

Expression of interest

You can express your interest in financing the property you are interested in and receive information from NBG about the housing solutions it offers (including: flexible interest rates, long repayment duration of up to 40 years, possibility of early repayment without charges, etc.).

Purchase of a residence or other type of property

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

Repair, renovation, or energy upgrade of a property

A property repair loan that provides immediate financing for upgrades, from minor to major renovations.

How much 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?
10000140000126000
In how many years would you like to repay the loan?
14040
years
For how many years would you like a fixed interest rate?
0303
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.
TOTAL LOAN AMOUNT €126,000
For the first 3 years
€452.51/ MONTH
Fixed Interest rate: 3.02%
3
years
For the remaining 37 years
€512.65/ MONTH
Variable rate 3.87%
37
years
FULFILLED BY NBG Logo

Why should I choose to submit an expression of interest form for financing through Uniko?

We work closely with the National Bank of Greece, which can offer you tailored loan options. We provide a simple process for completing the expression of interest form, facilitating your further communication with the Bank, and specifically:

Speed of the process

Fast procedures, especially for properties certified by the National Bank of Greece, through the close cooperation between Uniko and NBG, ensuring better service for you.

Online updates at every stage

Real-time updates on the progress of your expression of interest through "My Account", giving you full visibility of its status.

Tailored coverage of needs

Financing options adapted to your housing needs, through a wide range of loans offered by NBG.

Favourable financing terms

Favourable interest rates and long repayment duration, of up to 40 years, ensuring lower monthly instalments and greater ease in managing your finances, offered by the National Bank of Greece.

Express your interest in financing

  • 1
    Complete the expression of interest form
    Start the process easily and quickly by completing a simple expression of interest form on the Uniko website.
  • 2
    Receive a response from the National Bank of Greece.
  • 3
    Submit your loan application to the National Bank of Greece.
  • 4
    Track your application progress online.

Express your interest in financing

For information regarding the National Bank of Greece's housing loan products, you can visit www.nbg.gr

Request a call from the Uniko experts

Regarding your property search, request a call from Uniko's experts. We have the expertise to guide you every step of the way.

Frequently asked questions about financing your property

Uniko partners with the National Bank of Greece (NBG) on 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 promptly in order to provide you with the appropriate information regarding the features of the financing service.
You can apply for a mortgage loan to finance:
A specialised consultant of the National Bank of Greece will contact you to provide support on which loan best suits your financial profile and housing needs.
The loan term can be up to 40 years, provided that the youngest borrower, with personal income, does not exceed the age of 75 at loan maturity
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
There are no hidden costs. All charges are clearly stated on the National Bank of Greece website and communicated transparently by its specialised consultants. Information is provided on all terms and characteristics of the loan.
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. Also, the applicable levy of Law 128/75 is added to the loan interest rate.
You will definitely need to insure the mortgaged property against key risks (fire, earthquake, etc.). You are free to choose the insurance company you prefer.
The method of disbursement of the loan depends on the purpose of financing. Specifically, the loan is disbursed:
  • ✔️In a lump sum, if the purchase of a completed house is financed.
  • ✔️In installments, if the construction, completion, repair, or purchase of a house under completion is financed. In this case, and after the disbursement of the first installment (advance), an engineer who collaborates with the bank checks the progress of implementation and the legality of the relevant works before each subsequent disbursement of the loan amount.
Once you have received final approval for the mortgage loan, the following steps take place:
  • ✔️Contract signing
  • ✔️Securing of collateral
  • ✔️Loan disbursement.
Once the formalities have been completed, an NBG representative will contact you regarding the date on which you wish your loan to be disbursed and the funds to be credited to your deposit account.
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 digital banking services, you can manage these transactions quickly and easily.
You can adjust your loan instalment to your needs by choosing:
  • ✔️An initial period of paying interest only for the first 1 or 2 years.
  • ✔️ Skipping the payment of one installment each year, starting from the 2nd year of repayment.
You receive a monthly statement with loan information. Additionally, if you register or are already a user of the Bank’s Internet Banking, you can subscribe to i-bank statements to receive email notifications regarding the status of your loan.
Yes, you can repay your entire loan or part of it early, without any charge.
Each month, the Bank will send a payment notice to the address you have provided, unless you have registered for the Bank’s Digital Banking i-statements service. 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 instalments on time, you earn Go For More points, provided that you have a debit or credit card issued by the National Bank of Greece and are enrolled in the Go For More program.
You can use the mortgage calculator available on Uniko here
Do you have any questions or require assistance?
Uniko experts
The Uniko team is here to support you.
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