Make your wish to buy a home or land come true
Finance the construction of your home
Repair or refurbish your home
With an Optima bank housing loan, you can make your dream of owning a home a reality.
We offer:
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% throughout the loan tenor.
Fixed-rate initially followed by variable rate.
Loan tenor of up to 30 years (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.
Follow us
Let’s talk
Can we help you? Do you have any questions?
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 employees) or pension statement (for pensioners)
- individuals’ 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.