| Prime Loan Rate (mid-long term) |
| 5.42% |
| Special Investment Rates for Businesses |
| b. Investment Rate for Businesses with turnover greater than EUR 1,000,000 (plus Margin) fixed for | 5 years | 7 years | 10 years | 15 years |
| | 5.63% | 5.75% | 5.95% | 6.05% |
| d. Easy Business Company Housing Loan for urban properties (fixed for) | 1 year | 3 years | 5 years |
| | 5.95% | 6.00% | 6.50% |
| e. Easy Εquipment for urban properties (fixed for) | 1 year | 3 years | 5 years |
| | 5.95% | 6.20% | 6.80% |
| f. Easy Business Company Housing & Equipment Loan for industrial properties (fixed for) | 1 year | 3 years | 5 years |
| | 5.95% | 6.90% | 7.50% |
| g. Easy Business Premises Loan for Urban Properties Floating 3month Euribor +margin from 3.30% to 4.10% | 4.41% to 5.21% |
| h. Easy Business Premises Loan for Industrial Properties Floating 3month Euribor +margin from 3.80% to 4.60% | 4.91% to 5.71% |
| i. Easy Equipment without security (fixed for) | 3 years | 5 years |
| | 8.00% | 8.50% |
| j 1.For urban properties Floating For urban properties variable 3month Euribor +margin from 3.30% to 4.10% | 4.41% to 5.21% |
| j 2. For industrial properties variable 3month Euribor +margin from 3.80% to 4.60% | 4.91% to 5.71% |
| k. Easy Liquidity without security (fixed for) | 3 years | 5 years |
| | 9.55% | 9.80% |
| l. Easy Liquidity with security for urban properties (fixed for) | 1 year | 3 years | 5 years |
| | 7.25% | 7.00% | 7.30% |
| m. Easy Liquidity with security for industrial properties (fixed for) | 1 year | 3 years | 5 years |
| | 7.25% | 8.00% | 8.30% |
| n. Easy Liquidity variable interest rate for urban properties |
| (3month Euribor + margin from 4.00% to 5.00%) | 5.11% to 6.11% |
| o. Easy Liquidity variable interest rate for industrial real estate |
| (3month Euribor+ margin from 4,50% to 5,50%) | 5.61% to 6.61% |
| p. Easy Overdraft (Bank Base Rate + margin 3.00%) | 11.90% |
| Prime Housing Loan Rate |
| 4.67% |
| Prime Interest Rate of the European Central Bank |
| 1.00% |
| SafeHome Housing Loan Interest Rate |
| Fixed for 3 years | 5.10% |
| Fixed for 5 years | 5.40% |
| SafeHome Housing Loan Floating Interest Rate |
| a. Up to EUR 100,000.00: 3month Euribor + margin 3.20% | 4.31% |
| b. From EUR 100,000.01 to 300,000.00: 3month Euribor + margin 3.00% | 4.11% |
| c. From EUR 300,000.01 and more: 3month Euribor + margin 2.90% | 4.01% |
| Note: The final spreads are formed depending on the amount of the housing loan and ratio between this amount and the estimated commercial value of the real estate's mortgage prenotation (LTV). In case of professional premises, the margins are further increased by 0.30%. |
| SafeHome Transfers Housing Loan Interest Rate |
| a. Up to EUR 100,000,00: 3month Euribor + margin 3.10% | 4.21% |
| b. From EUR 100,000.01 to EURO 300,000: 3month Euribor + margin 2.90% | 4.01% |
| c. From EUR 300,000.01 and more: 3month Euribor + margin 2.80% | 3.91% |
| Note: The final spreads are formed depending on the amount of the housing loan and ratio between this amount and the estimated commercial value of the real estate's mortgage prenotation (LTV). In case of professional premises, the margins are further increased by 0.30%. |
| Fixed Interest Rate Housing Loan |
| a . For the first year | 4.70% |
| b. For 2 years | 4.90% |
| c . For 3 years | 5.10% |
| d . For 5 years | 5.40% |
| e . For 10 years | 6.00% |
| Note: The final fixed interest rates are formed based on the ratio between the amount of the loan and the estimated commercial value of the real estate's mortgage prenotation (LTV) |
| Loans for the installation of photovoltaic systems Emporiki Solar Ecologico |
| a. With collaterals: 3month Euribor + spread from 3.00% | 4.11% |
| b. With the concession of an offsetting contract: 3month Euribor + spread from 5.50% | 6.11% |
| The final spreads are based on the program chosen (either through bank collaborators or not) |
| Subsidized Loans of the Workers' Housing Organization (Prime Interest Rate of the European Central Bank + margin 1.35%) |
| 2.35% |
| Loans for Property Renovation with Security (From EUR 10.000 to EUR 100.000) |
| a. Floating interest rate (3month Euribor+margin 5.00%) | 6.11% |
| b. Fixed for 3 years | 6.00% |
| Further on, Floating interest rate (3month Euribor+margin 5.00%) | 6.11% |
| Prime Consumer Loan Rate |
| 11.96% |
| CASH4U Consumer Loans Rates Without securing requirements. (From EUR 3,000.00 to EUR 50,000.00) |
| a. For Consumer Loan granting (3month Euribor + margin 12.00%) | 13.11% |
| CASH4U Consumer Loans Rates With securing requirements. (From EUR 10,000.00 to EUR 200,000.00) |
| For transfers Loan Balances from other banks (3month Euribor + margin 5.00%) | 6.11% |
| CASH4U Fixed interest rate without securing requirements (From € 3,000.00 to € 50,000.00) |
| i. For Consumer Loan granting (fixed) | 13.95% |
| CASH4U loan interest rate without securities (for housing loan holders) (3month Euribor + 5.50%) |
| 6.61% |
| Emporiki Xpress Consumer Loan Without securing requirements (fixed) |
| 12.25% |
| Emporiki TaktopoiisiXpress Consumer Loan without securities (fixed) |
| For tranfers of consumer loan and credit cards balances from other Banks | 9.40% |
| Fiscal Facilitation Program without securities (fixed) |
| 9.90% |
| Fiscal Facilitation Program with securities (fixed) |
| 6.00% |
| Loan for urgent needs without documentation (YOUNIQUE package for young people) fixed |
| 13.50% |
| Emporiki Home ecological Loan interest rate |
| 3month Euribor + 6,50% | 7.61% |
| Emporiki Open Interest Rates (floating/escalated according to debt balance) |
| Up to EUR 12,000.00 | 14.05% |
| From EUR 12,000.01 to EUR 25,000.00 | 12.55% |
| For amounts greater than EUR 25,000.01 | 10.30% |
| For balance transfers from other bank loans (irrespective of the debit balance) | 10.05% |
| Credit Cards Rates |
| a .VISA CLASSIC Health Privilege - VISA Health Privilege | 17.40% |
| b . MasterCard Ηealth Privilege | 17.40% |
| c . VISA GOLD Ηealth Privilege | 16.90% |
| d . VISA Younique | 14.28% |
| e . ΑΝΤ1 VISA | 13.78% |
| Debit Balance of the Current Account ( Overdraft ) Rate |
| a. Current Account | 10.20% |
| b. Current Account "Met' Apodochon" (payroll account) | 9.20% |
| c. Current Account "Met' Apodochon Business" (payroll account) | 8.20% |
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