"Once-and-for-All" Balance Transfer Program

6 - 120 months, depending on the amount of the loan and the type of interest rate. Specifically:

For a fixed interest rate:

• from 6 to 60 months for amounts up to 6.000€
• from 6 to 96 months for amounts from 6.001€ to 40.000€

For floating rate:

• from 6 to 60 months for amounts up to 6,000
• from 6 to 120 months for amounts from €6,001 to €40,000

Note:
The age of the borrower at the end of the loan cannot exceed 70 years.

The interest rate of the Once and for All plan is personalised and you can choose either fixed or variable.

Fixed, 9.70% - 11.75%
or
Floating, 8.90% - 11.00%

The interest rate of the Once and for All loan is personalized and is adjusted according to:

• Your needs
  
• Your financial abilities
• Your financial resources
  
• Your credit history with any bank
  

The interest rates are subject to the Law 128/75 levy, currently 0.60%.

€200.

They are collected when the loan is disbursed from the deposit account you have chosen as your servicing account.

In monthly installments covering:

• Interest and capital
• Interest only, if there is a grace period

Information about your loan installment

• The instalments are paid automatically from your linked bank account.
  
• Each instalment is paid on the same date of each calendar month.
  
• The instalment is based on the amount, term and interest rate of the loan.
  
• The amount of the instalment may vary, depending on the fluctuation of the lending rate when it is variable

The loan can be partially or fully repaid at any time with your written request to the Bank

• For a loan with a variable interest rate - no charge
  
• For a loan with a fixed interest rate - with the prescribed charge

Ensure smooth repayment of your loan installments and insurance cover that can last after your loan is repaid.

The Payment Protection Plan provides compensation in the following cases:

• Dismissal and temporary disability due to accident or illness - for full-time, private sector employees with a contract
• Hospitalization and temporary disability due to accident or illness - for freelancers, civil servants and part-time private sector employees with a contract

The Payment Protection Plan is offered on an optional basis.

It is addressed to customers aged 18-70 years old (at the end of the loan), who keep their payroll at the bank and:

• declare permanent residence in Greece
  
• have a tax residence in Greece
  

Proof of income:

• Last year's statement of account
• Latest payroll receipt or official pay slip from the company's accounting department (not handwritten), which should include detailed professional data - date of hiring, gross and net earnings, insurance deductions, tax

If you keep your payroll at Piraeus or are a civil servant, a payroll certificate is not required.

Last year's statement of account