Consumer Loan Emporiki Xpress

Consumer Loan Emporiki Xpress without collateral

We provide ease, comfort and flexibility through rapid loan approval and disbursement procedures

Characteristics

Purpose: To cover immediate personal - consumer needs without any justifications of purchase
Amount of Loan: From €1.500 to 30.000
Loan Duration: 6 up to 96 months
Loan interest rate: 13,75% fixed for the whole duration of the loan.
(plus contribution of L.128/75 0,60%).

Do you feel insecure, that you will not be able to pay an installment of your loan due to the increased cost of living and your other obligations?

• Emporiki Bank offers you flexibility on the repayment of your loan by providing you with the possibility to omit* up to two (2) installments per year while…
• with an installment from € 17,57/ €1.000 loan, fixed for the whole duration of the loan regardless any interest rate changes, you can easily plan your expense.
• With the free payment protection insurance program the repayment of your loan is guaranteed in case of professional difficulties.

*An installment omission is possible under the terms, conditions and limitations as stated in the loan contract.

Annual Percentage Rate of Charge (SEPE)

Indicatively, for an amount of €10.000 with a repayment in 96 monthly installments , one-off evaluation cost € 180 at loan disbursement, at fixed nominal interest rate 13,75% plus contribution of L.128/75 0,60%, Annual Percentage Rate of Charge (SEPE) is 16,00%.

Cash4U without collaterals for housing loan holders

Consumer loan without collateral only for existed customers who hold housing loan in Emporiki bank.

Amount of loan: €1.500 - €10.000

Loan duration: 6 – 96 months

Loan Interest rate: Euribor3M + margin 9.00%

Additional features:

• Total repayment of the loan in the event of death or permanent total disability irrespective of the causes
• Payment protection insurance program for the repayment of the loan in case of professional difficulties

Annual Percentage Rate of Charge (SEPE)
Indicatively, for an amount of €10.000 with a repayment in 96 monthly installments , one-off evaluation cost € 180 at loan disbursement, at fixed nominal interest rate 9,23%(Euribor3M 0,23% on 29.01.2013) plus contribution of L.128/75 0,60%, Annual Percentage Rate of Charge (SEPE) is 10,9%.

Free insurance coverage with CASH 4U consumer loan

Emporiki Bank reinforces its innovative profile by incorporating free insurance coverage to its clients for any life’s unexpected turns.

How does it work?
Emporiki Bank secures the payment of any unpaid balance of the Cash4U Consumer Loan in the event of death or permanent total disability irrespective of the causes.

For further information please refer to:

• The nearest Emporiki Bank's branch
• 801 801 801 1 from fixed line and 0030 210 6505000 from mobile phone or from abroad, 24 hours a day, 7 days a week

Free insurance program for the installment payment protection

Do you want to ensure smooth repayment of your consumer loan, even if you encounter professional difficulties?

With the insurance program for the protection of the installment payment you get back without any additional cost up to 6 installments of your consumer loan ¹1

¹ 1 Free insurance coverage for the installment payment in the below mentioned cases: (α) temporary disability due to an accident (for all employees), (b) temporary loss of work (involuntary unemployment) (for employees with an open-ended contract) (c) hospital care after an accident (freelancers, public employees and seasonal personnel). The program covers up to six (6) consecutive payments per claim and up to twelve (12) payments for different claims (of the same coverage) for the whole duration of the program. The maximum monthly reimbursement amount has been set at € 1,000 per loan. The Bank which grants-in all cases when this has been provided for-the insurance coverage, without additional charges for the debtor, reserves the right to revoke or modify, at any time, the aforementioned insurance offer, by notifying in writing the debtor. In case the Bank revokes the insurance coverage, the debtor who is already insured, shall continue to have the aforementioned insurance coverage for a period of twelve (12) months from the date of revocation.

For more details, you can visit the nearest Emporiki Bank’s branch.

Emporiki HomeEcological

''Save energy by protecting at the same time the environment at the lowest possible cost''

Emporiki HomeEcological is addressed to households with a strong ecological orientation who seek ways to reduce energy consumption through energy upgrade of their residence as well as functional upgrade of buildings In particular :

• Energy upgrade of the residence, purchase and installation of items or constructions for energy saving such as:
  • Photovoltaic, small wind turbines (for self-consumption)
  • Solar Thermal Systems (solar water heaters, heating and hot water - systems combi)
  • Gas Installation
  • Change of frames (thermoinsulating)
  • Change of glass panels (thermoinsulating)
  • Installation of roofs and sunshades (awnings, louvers, projections, etc.)
  • Installation of boiler - burner (burning biomass - pellets, natural gas) or their replacement with other modern ones of energy efficiency
  • Energy class (Α – D) Household
  • Energy class (Α – D ) Air conditioner)
  • Ceiling fans
  • Replacement of incandescent light bulbs with energy-saving lamps
• Functional upgrade of buildings:
  • Placement – replacement of elevator
  • Insulation and / or water proofing (walls, roof)
  • Green roof to the chamber of the building
  • Geothermal heat pumps

Features / Key benefits :

• Amount : From € 3.000 up to € 30.000 and up to 100% of the total value of the financed good or service by producing relevant documentation
• Duration : From 6 to 96 months
• Grace period : up to 6 months
• Interest rate : very low floating rate Euribor 3 M plus margin 6.50% (105) (plus contribution of N.128 / 75, 0.60%)

With the new product "Ecological Home" you enjoy low cost energy changes to your residence through immediate approval procedures and granting of money.

Annual Percentage Rate (SEPE)
Indicatively, for an amount of €20.000 with a repayment in 96 monthly installments , one-off evaluation cost € 180 at loan disbursement, at fixed nominal interest rate 6,73% (Euribor3M 0,23% on 29.01.2013) plus contribution of L.128/75 0,60%, Annual Percentage Rate of Charge (SEPE) is 7,8%.

For further information please refer to one of the Branches of Emporiki Bank's Network.

Interest Rates for Consumer Loans

For information about interest rates, click here