The key benefits from coming to FinTHESIS are:
FinTHESIS works with the largest banks. Therefore, our customers may choose the bank that best meets their needs.
At FinTHESIS, a prospective borrower may book an appointment onsite or remotely from 09:00 to 17:00.
Know-how: The mortgage loan expertise of our executives, who have more than 25 years of experience, ensures that prospective borrowers are fully informed about available programmes and how they work.
Efficiency: Our executives have processed tens of thousands of mortgage loans and have acquired unique experience they pass on to our customers. This experience allows them to successfully manage most issues that may arise in the course of the assessment of their applications, either to buy a home or to get a mortgage loan.
You may apply for financing for the following purposes:
• Buy a home
• Buy a plot
• Build/finish a home
• Repair a property
• Buy and repair a home
• Buy a plot and build
For your mortgage loan, you can choose:
– Fixed rate, which does not fluctuate over an agreed period.
– Floating rate, which is linked to the Euribor, plus a spread determined by the banking institution.
– Fixed & floating rate, where the interest rate is initially fixed for some years and floating for the remaining duration (e.g. fixed rate for the first 5 years and then floating rate).
From the expression of interest by the prospective borrower to the disbursement of the loan, there are six basic stages. Our qualified partners will guide you safely, consistently and with complete knowledge of all the processes.
Online application for a mortgage loan
Getting loan pre-approval
Engineering inspection and due diligence
Final approval – agreement drafting
Agreement signing and property insurance policy
Mortgage lien registration and disbursement
By getting financial pre-approval by the bank, you will have an official answer about the loan amount and instalment you can support. This will help you search for a property that meets your needs and capabilities. In addition, you will save valuable time without the slightest commitment and at no extra charge.
For every mortgage loan for which the bank accepts the property of the borrower as collateral, the bank is entitled to ask for an insurance policy against fire, earthquake and extreme weather conditions which will cover the restoration cost in case of damage caused by the aforementioned events. This insurance policy may also cover the risk of flood.
The insurance policy cost depends on the construction cost of the property and not on the loan amount. You have the option to get a life insurance policy covering your family in case of loss of life or total permanent disability.
Mortgage loan fees fall into four categories:
Bank fees, which include the fees for preparing the proposal, engineering inspection and due diligence fees and lawyer fees for the mortgage lien registration process. These fees are specified beforehand by each bank, irrespective of the loan amount.
The fees of the insurance policy against fire, earthquake and extreme weather conditions.
The agreement fees relating to the fee of the notary you have opted for. This is a lump-sum fee determined by each Bank.
The mortgage lien fees, which include the expenses for registering the mortgage lien at the Land Registry / National Cadastre office and the expenses for issuing the Cadastral Diagram Extract. These are lump-sum expenses depending on the loan amount, irrespective of the bank.
The loan processing fees, the engineering inspection and due diligence fees and the bank’s lawyer fees for the mortgage lien registration process cannot be incorporated into the loan. These fees are separate and are paid as a lump-sum by the borrower.
The insurance policy against fire and earthquake is also a separate obligation and cannot be incorporated into the loan.
A prospective buyer planning to acquire a home that requires repairs can apply for financing to both buy and repair the property. Accordingly, if they want to acquire an unfinished home they can apply for a mortgage loan to buy and finish the construction.
The monthly instalment you pay to the bank may no longer be suitable for you.
Knowing the banks’ programmes and policies, we can guide you to find the solution that best meets your needs at any given moment.
As a rule, early repayment (partial or full) is possible, either during the floating-rate period or during the fixed-rate period.
Of course and at no extra charge.
To get a mortgage loan, the bank will ask you to insure your property against fire, earthquake and extreme weather conditions. The insurance policy must be issued before the loan disbursement and you are free to choose the insurance company. Life insurance is optional.
You can contact us over the phone on +30 211 77 77 200 (Monday-Friday, 09:00-17:00) or by filling in the contact form on our website so that one of our consultants can contact you and book an appointment. Our aim is to help you choose the mortgage loan that fits your financial profile and needs.
The meeting with our expert team can be held at our offices or online at the time of your choosing.
Our relationship with credit institutions relies on ensuring banking confidentiality and is governed by the terms of the agreements we have entered into.
In any case, in the context of its activities, FinTHESIS always fully complies with the provisions of the relevant legal framework and especially the new General Regulation on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (ΕU/2016/679) and Law 4624/2019 which implements the aforementioned General Regulation, fully and strictly respecting the personal data of natural persons it processes.
You can contact us through our website or over the phone on +30 211 77 77 200 (Monday-Friday, 09:00-17:00). One of our consultants will guide you through the process and provide all the necessary information.
Usually, the following information is required:
• Information about your income (e.g. salary, tax returns).
• Information about your current financial status (e.g. current debt, credit cards).
• Information about the home you want to buy (e.g. value, location).
Yes, our services are free of charge for the customers. Our fee is covered by the banks we work with.
The approval time varies, but it usually takes 2 to 4 days, depending on the bank and the completeness of the required documentation.
If your application is rejected, we will help you understand why it was rejected and analyse the next steps. This may include improving your creditworthiness or searching for alternative financing solutions.
Mortgage loan intermediation is very popular abroad, but not so much in Greece. The intermediary has a cooperation agreement with the partnering body to carry out all the necessary actions in the interest of their client. The purpose of intermediation is for you to get rid of red tape and benefit from the preferential services offered by the intermediary, who has the necessary know-how and experience to claim what is best for you.
In this difficult juncture in Greece, banks seek to minimise their operational expenses and at the same time boost their productivity. Consumers, however, knowing how complex the financing red tape can be, often avoid visiting a branch.
The mortgage loan banking intermediary acts as an independent body aiming to best serve the consumer. They focus on the consumer’s needs and analyse every aspect of their personal interests. FinTHESIS offers daily and comprehensive support during your mortgage loan application process, simplifying procedures and making it an easy and fast experience, free from red tape and long waiting times.
