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Housing Loans with fixed interest rate until end of repayment

Special lower interest and 0% loan disbursement fee offer until June 30, 2024

Main conditions and features of fixed-interest housing loans until the end of the repayment

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.

  • Wondering why it is important to insure your life during the repayment of your housing loan? A housing loan is a life project. It lasts 15-20 years on average. Unforeseen life circumstances may result in the inability of inheritors to repay loan installments for a home under mortgage. Getting an insurance is important in order to protect one’s family. The insurance company will repay the remaining debt and the bank will erase the mortgage on the property. It all depends on you.


Representative example

Representative example of housing loan with variable interest rate
Property value37.500 EUR
Client down payment7.500 EUR
Bank loan amount30.000 EUR
Repayment period20 years
NIR annually0.0503
Monthly instalment198 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 exchange100 RSD
Credit Bureau basic report246 RSD
Certification of pledge statement10.080 RSD
Property insurance - annually40 EUR in RSD equivalent
Issuing of real estate folio in the land register10 EUR in RSD equivalent
Real estate valuation100 EUR in RSD equivalent
Mortgage registration20.000 RSD
EIR annually5,67 %
Total amount of loan (principal, interest and costs)49.408 EUR
EIR calculated on29.03.2024.

EUR-indexed loans are contracted in RSD equivalent at the NBS middle exchange rate. The interest rate is fixed.EIR was calculated on 29.03.2024. Nominal interest rate from the representative example is valid for Privilege clients who receive salary/pension on current account in OTP bank. 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


  • 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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A team of professional online bankers is at your disposal every working day from 8 am to 6 pm and on Saturday from 9 am to 1 pm.

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