Optima housing loan

A loan to meet all your needs.

Make your wish to buy a home or land come true

Finance the construction of your home

Repair or refurbish your home

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With Optima bank housing loan, you can make your dream come true by acquiring your own home, and we offer you:

Interest-rate choices:
Fixed-rate, allowing you to pay an equal, fixed monthly amount to the end.
Variable rate linked to 3-month Euribor plus a fixed margin from 2,25% throughout the loan tenor.
Fixed-rate initially followed by variable rate.

Up to 30 years loan tenor (for borrowers aged up to 75 years) and at a competitive fixed rate!

Financing up to 75% of the property's commercial value, based on the valuation conducted by an engineer collaborating with our bank.

How to apply for a loan

Simply visit an Optima bank branch. We are always happy to provide you with information and assistance.

Required documents

  • identity card or passport
  • property tax return (ENFIA)
  • income tax assessment notes of the past two years
  • payslip (for salaried) or pension statement (for pensioners)
  • individuals’ income tax returns (E3) of the last 3 years (for self-employed).


Find out more about the current Basic Price List and the Lending products interest rates table.