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Combined housing loan with fixed interest over the first 5 years

Special lower- loan with 0% fee for loan issuance until March 31, 2024

Basic conditions and features of housing loan with combined interest rate over the first 5 years

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 a combined housing loan with initial fixed interest rate over the first 5 years, switched to variable interest rate
Property value37.500 EUR
Client down payment7.500 EUR
Bank loan amount30.000 EUR
Repayment period30 years
NIR (fixed) annually over the first 5 years5,03 %
Monthly instalment over the first 5 years162 EUR
NIR (variable) annually after the first 5 years3,25% + three-month EURIBOR
Monthly instalment after the first 5 years198 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 annually6.94 %
Total amount of loan (principal, interest and costs)71.482 EUR
EIR calculated on25.12.2023.

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 25.12.2023. of 3.916. 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 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.

List of required documents


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