Housing Loans with fixed interest rate until end of repayment
Main conditions and features of fixed-interest housing loans until the end of the repayment
- Loan disbursement fee: 0% of loan amount
- Minimum loan amount: 35.000 euros
- Down payment: 10% to 20% of required loan amount1
- Repayment term: up to 20 years
- Fixed interest from 4,80% up to 4,85%, EKS 5,41%
- Possible purchase and establishing of mortgage on registered and unregistered real estate
- Possible income pooling of debtor and co-debtor
- Insurance of real estate
- Attachment of income
The Bank reserves the right to make a loan approval decision, and to require additional documentation and guarantee.
Minimum 10% down payment if the mortgage is established on another registered object.
Representative example
| Representative example of housing loan with fixed interest rate | |
| Property value | 43.750 EUR |
| Client down payment | 8.750 EUR |
| Bank loan amount | 35.000 EUR |
| Repayment period | 20 years |
| NIR annually | 4,80% |
| Monthly instalment | 227 EUR |
| Fee for loan processing (0% of the loan amount) | 0 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Bill of exchange | 100 RSD |
| Credit Bureau basic report | 246 RSD |
| Certification of pledge statement | 16.848 |
| Property insurance - annually | 40 EUR in RSD equivalent |
| Issuing of real estate folio in the land register | 10 EUR in RSD equivalent |
| Real estate valuation | 100 EUR in RSD equivalent |
| Mortgage registration | 29.39 |
| EIR annually | 5,41 % |
| The cost of the loan (interest and costs) | 21.425 EUR |
| Total amount of loan (principal, interest and costs) | 56.425 EUR |
| EIR calculated on | 20.07.2026. |
EUR-indexed loans are contracted in RSD equivalent at the NBS middle exchange rate. The interest rate is fixed.EIR was calculated on 20.07.2026.. Nominal interest rate from the representative example is valid for Privilege clients who receive salary/pension on current account in OTP bank. The representative example presents the average costs related to a loan amount of EUR 35.000, which are payable by the Borrower and over which the Bank has neither influence nor control. This offer is for guidance purposes only. For a personalized offer we are at your disposal at our Bank's branches.
Additional information for submitting a request for housing loan with fixed interest rate until end of repayment
Applicant:
- Permanent employment for an indefinite period of at least 6 months with the current employer
- Transfer of personal income to a current account in our Bank
Loan collateral:
- Tied real estate insurance policy
- Tied life insurance policy, optional at client request
- Bill of exchange and bill authorization
- First-rank mortgage on real estate
- Attachment of income
You can get property and life insurance at any Bank branch and finish everything quickly at a single location. Regular payment of the insurance premium is ensured by standing order free of charge and exempt from payment commission.
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