Make your wish to buy a home or land come true
Finance the construction of your home
Repair or refurbish your home
With Optima bank Housing Loan, you can make your dream come true 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 2,75% 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 commercial value, based on the valuation conducted by an engineer collaborating with our bank.
Let’s talk
Can we help you? Do you have any questions?
Follow us
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
- Identification card or passport
- Property Tax Clearance (ENFIA)
- Income tax assessment notes of the past two years
- Payslip (for salaried) or Pension statement (for pensioners)
- Natural Persons’ Income tax returns (E3) of the last 3 years (for self-employed)
Pricing
Find out more about the current Basic Price List and the Lending products interest rates table.