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Housing loan

Housing loan

Are you planning to buy a house? ProCredit Bank with the mortgage loan it offers makes buying your home easy and safe. Find out about the advantages of our mortgage loan, the application steps and calculate your monthly installment quickly and easily.

Our mortgage offers:

  • Fixed interest rate for the first 5 years: 3.50% + 0.12% levy of Law 128/75
  • Period of up to 30 years
  • Preliminary approval
  • Fully online process

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Housing Loan Installment Calculator

Calculate the monthly installment of your home loan based on the amount you would like to borrow quickly and easily. Don’t hesitate to contact us

110000.00 EUR
30000.00 EUR 250000.00 EUR
300 months
6 months 360 months

Monthly installment 0 EUR / month

Total amount due 0 EUR

Annual percentage rate of charge (APRC) 0 %

APRC 0 %

Interest rate 3.62 %

*Annual percentage rate of charge

Request consideration fee 300.00 EUR
Legal fee 120.00 EUR
Collateral evaluation fee /apartment/ 250.00 EUR
Monthly account service fee 5.00 EUR

Housing Loan Application Process

1. Fill in and submit the application form

It is important for us to understand more about the financing you are seeking in order to make you an offer.

2. We will give you a call

Expect a call from our team.

3. Contract signature

The signing of the loan contracts is done at PCB Thessaloniki branch

4. Loan amount utilization

The loan will be disbursed into your ProCredit Bank account within 24 hours of contract signing.


Housing Loan Advantages

Loan Advantages



  • We can give you a preliminary approval so that you will have the time to find the perfect home.


  • Plan calmly and think long term: we offer a fixed interest rate so that you won’t have the risk of interest rates changes.


  • You can rely on additional funds for repairs and furnishings following the purchase.


  • We are ready to refinance your existing housing loan in order to offer you the best terms and conditions on the market.


  • Green home and mortgage are all residential places (flats and houses) that have an energy performance with 20% lower than the upper limit of class B for residential buildings. To confirm the value, for finished buildings with Act 16 please provide an energy performance certificate with a stated value for specific annual primary energy consumption (example 1). For buildings under construction, the energy efficiency part of the approved design is required (example 2).


Our clients about us

I started off thinking that taking out a housing loan would be a cumbersome process and that I’d be signing a contract with lots of fine print. Nothing of the sort happened! The terms and conditions are clear and the consultants answered all my questions comprehensibly.

Panagiotou Dimitrios


ProCredit saved me probably more than a month of searching for the right institution and a lot of needless worrying.

Papageorgiou Maria


Amazing customer service.

Sevastidis Ioannis


Frequently asked questions

Housing loan applications can be submitted by Greek citizens (individuals holding a permanent residence certificate). They must have a regular income, pays and good credit history.

There are two lending options - floating interest adjusted in line with the benchmark in the beginning of each 3-month period and an interest fixed for the 5-years period. You can choose between the two options.

The loan amount can be from 30 000 EUR up to 250 000 EUR but mostly it depends on your income, the self-participation of the property of the purchase price and the costs of the property.

Our standard policy is to finance 80% of the property price. It is therefore recommended that you are able to self-finance 20% of the transaction amount.

We do finance properties that are still under construction upon terms that are identical to those described above. With this type of transactions it is, however, important that the payment stages of the construction and the loan disbursement stages are time matched. Our experts will be able to offer the best solution.

All the fees for the house loan are included in the calculator with which you can calculate what the total amount due will be. You can also calculate what the annual percentage rate of charge (APRC) will be.

There is an early repayment fee if you make early repayment of the house loan up to 12 months of the disbursement in the amount of 1%. If the early repayment of the house loan is more than 12 months from the loan disbursement, then it will be free of charge.

We only require that your property is insured. Life insurance is not required.