CrediaBank: home loan for first-time buyers from 2.15%

The programme is aimed at individuals seeking to purchase or construct their first home, offering financing of up to 90% of the property’s value, with a maximum loan amount of €350,000 and a repayment period of up to 40 years.

For the first two years, the loan is offered at a preferential fixed interest rate starting from 2.15%, after which a variable rate applies, based on the three-month Euribor plus a margin starting from 1.60%.

In addition, the bank provides additional incentives for specific borrower categories. In particular, families with three or more children, as well as those purchasing an energy-efficient home classified as A or B under the Energy Performance Certificate (EPC), may benefit from a reduction in the variable interest rate margin of up to 0.25 percentage points.

As part of a promotional campaign, for applications submitted by 30 June 2026, CrediaBank covers the cost of the legal and technical property checks. Furthermore, no application review or loan approval fees are charged.

Repayment is made through monthly instalments covering both principal and interest, with automatic debit from the linked deposit account. For properties under construction, staged disbursements are available, along with an interest-only grace period of up to 24 months.

Through this new mortgage product, CrediaBank aims to facilitate access to homeownership by offering flexible financing terms and targeted incentives for prospective first-time homebuyers.