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Key features include:
Loan Amount: Up to 80% of the property value.
Loan Duration: Up to 40 years.
Interest Rates: Variable rates linked to the ECB base rate.
Grace Period: Available for up to 2 years for properties under construction.
Repayment Options: Monthly instalments with the option to make early repayments without penalties.
First home loan
Bank of Cyprus Public Company, offers housing loans with variable interest rate based on the European Central Bank Base Rate (ECB Base Rate) and the Bank of Cyprus Base Rate (BCBR).
Key features include:
Loan Amount: Up to 80% of the property's purchase value for the first main residence, up to 70% for the second.
Loan Duration: Up to 40 years, including the grace period.
Interest Rates: Combination of fixed rate for the first 3 years and then a floating rate, or a fully floating rate based on the Housing Loan Base Rate (HLBR) plus margin.
Grace Period: Available for up to 2 years.
Repayment Options: Monthly installments with early repayment options.
Alpha Residence
Alpha Bank offers their Housing Loan Base Rate which is the Euribor + 2.00% (Margin).
Their margin is currently -0.15 to -0.35 depending on the contribution.
Key features include:
Loan Amount: Up to 80% of the property value.
Loan Duration: Up to 30 years.
Interest Rates: Variable rates linked to the 3M Euribor (minimum 0%) for the first 2 years, followed by the Bank Housing Base Rate (BHBR) with a margin depending on the contribution.
Grace Period: Up to 24 months for properties under construction.
Repayment Options: Monthly installments with the option for early repayments without penalties.
Primary Residence Loan
Eurobank offers their Housing Loan Base Rate which is the 3M Euribor + 0.75% (Margin) for the first 2 years and then changes to the Bank Housing Base Rate (BHBR) + 0.50% (Margin) or 0.75% (Margin) depending on the contribution for the remaining years. Their margin is currently 0.50% to 1.25% depending on the contribution.
Key features include:
Loan Amount: Up to €300,000, covering up to 80% of the property value.
Loan Duration: 5 to 35 years, with the borrower’s age not exceeding 65 years at loan maturity.
Interest Rates: Starting from 4.50%, varying based on customer contribution.
Grace Period: Up to 2 years for properties under construction.
Repayment Options: Monthly installments with the ability to suspend up to two payments per year and early repayment options.
First Residence Loan
Ancoria Bank offers their Housing Loan Base Rate which is the EURIBOR 6M + 1.65% (Margin) for contributions >= 35%, or 1.95% (Margin) for contributions between 20% - 34%.
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