Combined housing loan with fixed interest over the first 5 years
Basic conditions and features of housing loan with combined interest rate over the first 5 years
- Loan disbursement fee: 0% of loan amount
- Minimum loan amount: 30,000 euros
- Down payment: 10% to 20% of required loan amount11
- Repayment term: up to 30 years
- Fixed interest rate from 4,15%, after variable interest rate 2,45% + three-month EURIBOR, EKS 5,10%
- It can be used for the purchase of registered and unregistered property
- Possibility to combine earnings of debtor and joint debtor
- Insurance of real estate
- Administrative ban
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 a combined housing loan with initial fixed interest rate over the first 5 years, switched to variable interest rate | |
| Property value | 43.750 EUR |
| Client down payment | 8.750 EUR |
| Bank loan amount | 35.000 EUR |
| Repayment period | 30 years |
| NIR (fixed) annually over the first 5 years | 4,80 % |
| Monthly instalment over the first 5 years | 184 EUR |
| NIR (variable) annually after the first 5 years | 2,70% + three-month EURIBOR |
| Monthly instalment after the first 5 years | 187 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 RSD |
| 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 | 28.450 RSD |
| EIR annually | 5.46 % |
| The cost of the loan (interest and costs) | 34.784 EUR |
| Total amount of loan (principal, interest and costs) | 69.784 EUR |
| EIR calculated on | 29.06.2026. |
EUR-indexed loans are contracted in RSD equivalent at the NBS middle exchange rate. The interest rate is variable and consists of a reference rate - three-month EURIBOR as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted with 3M EURIBOR value on quarterly level. The 3 months EURIBOR value on the day of calculations for the sake of this representative example, i.e. on 29.06.2026. of 2.2930 . 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. For a personalized offer we are at your disposal at our Bank's branches.
Additional information on applying for a housing with combined interest rate over the first 5 years
Loan applicant:
- Permanent employment of indefinite duration minimum 6 months with the current employer.
- Transfer of personal income to the current account held with our Bank
Loan collateral instruments:
- Enclosed real estate insurance policy
- Enclosed life insurance policy optionally at the client’s request
- Bill of exchange and bill of exchange authorization
- First-class mortgage on real estate
- Administrative ban
You can take life and property insurance in each of our Banks branch and thus complete the entire process easily and in one place. Regular payment of insurance premium is provided through standing order which is free of charge and exempt from payments fee.
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