online mortgage loan

How about if you could also apply for a home loan online?

Now the bank can pre-approve the loan online, not only for consumer loans, but also for financing the purchase of a new home.

The new generation of home buying products is coming to simplify the mortgage application process and meet the growing needs of consumers.

However, we know that whether online or in a store, you want to find the best bank for a mortgage loan , which you will only be able to do if you compare all the options.

Basic points for calculating the loan

Where do you start? First, search for the best mortgage rates and then find out how much you can borrow with our loan calculator .

👉 Remember that a lender should first check your creditworthiness, i.e. if you pay your debts on time . Subsequently:

  • He will process your loan application to give you an accurate interest rate
  • As long as the interest rate satisfies you, you can accept.

Online mortgages by bank

Which banks have started dealing with online mortgages? What do they provide? Let's see what's up so far:

#1 National Bank

Does National Bank have the competitive interest rate you are looking for? If so, then you can also start the application online through i-bank for the loans:

  • Hearth Privilege and
  • Green stove

Essentially, you submit the application from the computer, uploading your bank statement and the pre-approval of the mortgage is done online within 5 days at the most .

You can then proceed with a preliminary agreement, submit the titles (contracts, floor plans) of the property, so that the legal and technical inspection can proceed.

#2 Eurobank

You can apply by video call via v-Banking as long as you are a Eurobank customer and have e-Banking codes for a mortgage for the purpose of:

  • Buy
  • Construction
  • Repair

#3 Other banks

Piraeus Bank, Alpha Bank, Attica Bank, HSBC and Optima do not yet have the possibility to apply for a home loan online . That is, they remain in the traditional way of applying for a home loan through a store or over the phone.

However, always include all available options in your search to find the right opportunity for you.

On our platform you can use comparison tools at no cost, which provide the information you are always looking for transparently and reliably.

How will your loan approval be made easier?

Let's see with them the ways in which you will get the mortgage loan approval more easily. What you need to do is get your finances in order before you apply. Specifically:

What you should pay attention to before applying

  • Settle other debts that come from for example a credit card or a student loan.
  • Build a good repayment history , because from this they will judge if you can repay the loan. Remember that the bank has the right to constantly examine your creditworthiness and credit behavior.
  • Do not look for a loan from many places , since for some lenders it is a bad feature for the borrower.
  • Close old, inactive accounts that can give a bad image and affect the progress of your application.
  • Pay every bill on time .
  • Reduce your expenses before applying for a home loan.

Additional proposals for loan approval

  • Pay your rent with your credit card on time. This means that if you skip it even once, it lowers your credit rating. Also, the other transactions you make play an equally important role.
  • Add a larger amount to your deposits for easier approval and acceptance, as well as a better interest rate.
  • Sort your papers to speed up the process by sending all documents in one batch.
  • State your income exactly and do not round it off.
  • Declare all your debts , after the lender will find them anyway.
  • Give honest answers about how much you spend.
  • If you are rejected, do not apply again to a different lender, but check what makes you look untrustworthy and strengthen your credit rating in the above ways.

👀 And now that you've learned so many tips, see what's going on with mortgages! Compare all mortgages from all banks for free. If you feel that you have found what suits you, don't waste a minute! Now it's easier to choose!