Question 1

Terms of use

Accepted Answer

The company with the name "GOLDEN DEAL S.M.S.A.", located in Athens, at 1-3 Kifissias Street, P.O. Box 11523 (hereinafter and for the sake of brevity the "Company"), with General Commercial Registry Number (G.E.MI) 008024301000, beneficiary of, among others, the websites with the domain name «www.xe.gr», «my.xe.gr», «pro2.xe.gr» και «support.xe.gr» and the mobile and tablet applications (hereinafter referred to as "xe.gr"), offers its services under the following Terms of Use described in detail below, as well as the Privacy Policy, which each visitor/user of xe.gr is requested to read carefully and to visit/use the pages and services of xe.gr only if he/she accepts them in full.

In case of disagreement, the user is requested not to make use of xe.gr, but to notify the Company of any possible remarks in order to be taken into account, always within the limits of feasibility, good faith and the common business ethics. Any remarks submitted are recorded and evaluated by the Company for the purpose of drawing conclusions, but in no event shall they be binding on the Company vis-à-vis the user or any third party.

Visitors/users of the website who are minors are not allowed to access the services of the website that may be considered inappropriate for minors and which cannot be controlled by the website. Any section or service that may contain material that is inappropriate

Question 2

Contact us

Accepted Answer

**By Live Chat
**If you need an immediate response, contact us via Live Chat, which you will find at the bottom right. It is easy to use and you can chat with our representative in real time.

**By e-mail
**If it's not urgent, please e-mail us at help@xe.gr.
Within 24 hours you will receive a reply.

Question 3

Privacy policy

Accepted Answer

xe.gr respects the privacy and personal data of each visitor. Each time you use any of the xe.gr websites or applications («www.xe.gr», «my.xe.gr», «pro2.xe.gr» και «support.xe.gr» as well as the applications for mobile phones or tablets on iOS, Android and Windows Phone - collectively referred to as xe), you commit that you have carefully read this document, which we will call for brevity "Privacy Policy", and that you have consented to it. In some cases you will be prompt to consent to "Privacy Policy" at areas of interest such as areas of personal data collection.

Below we will clearly explain the areas, processes and purpose of collecting your personal data, how we process it, how we protect it and which are your rights.

1. Where we collect your data

We collect your personal information only with your written consent. xe.gr does not share this information with third parties.

The areas in which your information is collected are:

Upon signing up, as a user or customer, for the use of our free of charge or paid services.
Upon subscription for receiving our newsletters or informative emails.
Upon contacting our call center for the purpose of placing an ad on xe.gr.
Upon contacting our support department (support.xe.gr or our call center) to receive assistance.
Upon requesting to entrust your property to an agent, sending CVs or requesting to assign y

Question 4

How much money can I borrow to buy a house in Greece?

Accepted Answer

The amount of your mortgage is determined by your income combined with your financial obligations, your cost of living and the value of the loan collateral.

Maximum amount

The maximum amount of mortgage you can receive can't exceed 80% of the value of your property.

| For example, if you are buying an apartment for €100,000 and the appraised value by the Bank's partner engineer is €100,000, you can receive a mortgage loan of up to €80,000, provided you meet the Bank's other credit criteria.

Minimum amount

The minimum amount you can receive for a mortgage loan is €15,000.

Question 5

What is the cost of applying for a mortgage loan in Greece?

Accepted Answer

Every application for a mortgage loan incurs some costs associated with processing the application and other related tasks.

In particular

The cost of examining the application and the cost of legal-technical control: €850 (indicative, depending on the product).
Land registry/land registry office costs for the registration of a mortgage notice: 0.775% or 0.875% on the amount of the mortgage + VAT and
Costs of filing the application, summary and issuing the relevant certificates, estimated at EUR 60-80 + VAT.
Cost of representation by a lawyer for the registration of a mortgage deed: EUR 359,60 (this refers to the lawyer's fee of the Bank. The fee of the lawyer representing you will be determined by the lawyer).
Cost of issuing an extract from the land register: **15 euros + VAT ** per property (based on the National Cadastral Code number / KAKEK).
The cost of declaring the right of first refusal at the Land Registry Office: 35 Euro per right.
In case of partial payment: 120 euro per certification of works.

Note: Mortgage application costs are based on standard bank charges. Final costs may vary depending on bank and mortgage products.

Question 6

What is the levy under law 128/75;

Accepted Answer

The levy under Law 128/75, expressed as a percentage (0.12% for housing loans and 0.60% for other real estate loans), is added to the respective interest rate (fixed or variable) on the basis of which the borrower's monthly installment is calculated for the respective period.

| For example, if the interest rate for the period in question is 3.80%, the final interest rate will be 3.80% + 0.12% = 3.92%.

The levy is paid by the borrower to the bank, which in turn pays it to the state.

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