Why you should choose it
It combines the features of a Housing Loan with the benefits of an Overdraft account
Additional payments at any time, with no early repayment fees
Access your additional payments at any time
Interest Rate based on 3 Month Euribor (Zero Floor)
50% discount on your House Insurance premium, through the Bank’s Insurance Agency
Up to 40 years repayment period
Why it's different
Smart and Innovative lending solution
The Housing Overdraft is addressed to all of you who wish to purchase any type of immovable property and look for flexible lending solutions or thinking of transferring your housing loan with more beneficial terms. This kind of lending solution, provides significant benefits to all of you who have a fluctuating monthly income or maintain deposits with very low returns.
Flexible at your own pace
The Housing Overdraft embeds the competitive features of our Housing Loans into a current account, offering at the same time the benefits and flexibility of an overdraft account. This kind of lending solution is offered in the form of an overdraft account, the limit of which is decreased by the amount of minimum payment (instalment), on a monthly basis, till its full repayment.
Smart management of your cash flow surplus
The Housing Overdraft allows you to make payments for amounts over your minimum monthly payment, at any time, with no early repayment fees. This allows you to decrease your debit balance and thus the interest you will be charged during the next interest capitalization. Simultaneously, the additional payments made will remain available and you may use these funds at any time, provided that you do not exceed the limit of your housing overdraft account.
...and all the above with the same competitive interest rates of our housing loans!
Managing your Housing Overdraft:
- With a Day2Day debit card.
- With a cheque book.
Learn more about the Housing Overdraft
- Features
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The product features depend on the type of property you wish to buy.
- For Primary Residence Housing, please visit the corrsponding page by clicking here.
- For Holiday Residence Housing, please visit the corresponding page by clicking here.
- For Housing for Investment purposes, please visit the corresponding page by clicking here.
- For the renovation of your primary or holiday home and upgrade of its energy efficiency, please visit the corresponding page by clicking here.
- Interest Rates
-
The Interest Rates depend on the type of property you wish to buy.
- For Primary Residence Housing, please visit the corrsponding page by clicking here.
- For Holiday Residence Housing, please visit the corresponding page by clicking here.
- For Housing for Investment purposes, please visit the corresponding page by clicking here.
- For the renovation of your primary or holiday home and upgrade of its energy efficiency, please visit the corresponding page by clicking here.
- Terms and Conditions
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- All applications are subject to Bank's approval pursuant to its lending policy being in force from time to time.
- Any insurance application through Bank's Insurance Agency, is subject to the assessment and approval of Atlantic Insurance and within their risk acceptance policy. Terms and Conditions apply.
- The Bank reserves the right to modify or withdraw the product at any time, at its absolute discretion.
- The consumer has the right of withdrawal.
- Τhe product is subject to further terms and conditions. For more information visit astrobank.com or call us at 800 11 800 (24 hours) or visit one of our branches.
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