EkoDom combined housing loan for the purchase of real estate with energy passport value A+ or A or B and with interest rate changes every 3 years
The promo offer is valid until 31.10.2026.
Basic features of the EkoDom combined housing loan
- Possibility of buying property with an energy passport of value A+ or A or B
- Loan disbursement fee: 0% of the loan amount
- Down payment min. 20% of the required loan amount
- Repayment term up to 30 years
- Fixed interest rate from 4.65% to 4.70% for the first three years EIR 5.62%, after three years – 2.60% variable interest rate + three-month EURIBOR
- Minimum loan amount: 35,000 euros
- Mortgage on the property subject to purchase
- Date of submission of application for issuance of building permit for real estate subject to purchase: from 01.01.2021.
- Possibility of combining the income of the debtor and joint debtor
- Real estate insurance
- Administrative ban
The Bank reserves the right to make a decision on loan approval, as well as to request additional documentation and guarantees.
It is important to know that it costs to borrow money.
Calculate the monthly installment for the loan amount requested and the desired repayment period.
Izračunajte mesečnu ratu za traženi iznos kredita i željeni period otplate.
What is an energy performance certificate?
The energy passport is prepared in accordance with the Law on Planning and Construction and the Rulebook on Energy Efficiency of Buildings, and is a mandatory part of the documentation for the technical acceptance test of the building.
If you wish to check for yourself whether the real estate you are interested in buying has an energy passport, as well as an energy class, you can do so via the following link link.. You need to enter the data at your disposal in the “Filters” field. Based on the search results, you can download the energy passport in PDF format, if it has been issued. You can thus check whether the real estate meets the loan conditions and which energy class has been assigned to it.
Why energy classes A+, A and B?
Immovable properties with better energy classes compared to buildings with lower energy classes enable:
- lower energy consumption per square meter,
- lower monthly heating and cooling costs,
- more stable internal temperature and greater living comfort,
- better long-term preservation of real estate value.
Actual savings in energy consumption will also depend on the way the facility is used, the user’s habits, weather conditions and other external factors, and in some cases can be seen already in the first months of use. Long-term positive effects on the environment are realized throughout the life of the facility.
How to check the fulfillment of conditions related to the construction permit?
To check whether the real estate meets the requirement regarding the date of application for the issuance of a building permit, you can view the website of the Central Record of Unified Procedures for Issuing Building Permits here.
Representative example
| Representative example of a combined housing loan with initial fixed interest rate over the first 3 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 annually over the first 3 years | 4,65% |
| Monthly instalment over the first 3 years | 180 EUR |
| NIR annually after the first 3 years | 2,60% + three-month EURIBOR |
| Monthly instalment after the first 3 years | 192 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 | 29.390 RSD |
| EIR annually | 5.62 % |
| The cost of the loan (interest and costs) | 36.226 EUR |
| Total amount of loan (principal, interest and costs) | 71.226 EUR |
| EIR calculated on | 25.09.2026. |
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 25.09.2026. of 2.6220 . 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.
Do you have any additional questions?
If you have any questions or concerns, our experienced bankers are at your disposal.
Calculate the monthly installment for the required loan amount and repayment period in the NBS calculator
Getting a new home with the a fixed or variable interest rate choosing options
Buying an apartment is a decision that requires careful planning. Choosing a new home and housing loan is an important life investment of every family, and are chosen carefully for decades to come.
Before making the final purchase decision, it is important to consider all aspects of the new home that can affect each member of the family in the long run. Proximity to schools and kindergartens, connection to key locations in the city, quality of the construction and organization of space – everything is important.
It’s good to know about the EkoDom housing loan with interest rate change every three years
Just as the choice of an apartment is an important decision, so is the choice of an appropriate interest rate important for organizing the repayment and monthly budget over a longer period of time.
If you are hesitating between a fixed and a variable interest rate, it is good to know that with a housing loan with an interest rate change every 3 years, you can switch from a fixed to a variable interest rate and vice versa during the entire repayment term.
At the very beginning, you choose the interest rate with which you want to start repaying the housing loan – fixed or variable. Every 3 years, OTP Bank offers you the option to maintain the selected interest rate or switch to another free of extra charge.
Housing loan EkoDom with combined interest from of OTP Bank, i.e. with changing interest rate every 3 years is a unique type of housing loan in our market that allows you to switch from a variable to a fixed interest rate and vice versa during the entire repayment period.
What are the benefits of switching from fixed to variable interest and vice versa?
The fixed interest rate is the same throughout the repayment period, which makes it a good choice if you want security and predictability. On the other hand, the variable interest rate depends on the changes that affect the rise or drop of EURIBOR.
When the EURIBOR rises, so does the installment of your home loan. In that case, you can switch to a fixed interest rate and be protected from variable interest rate fluctuations. When you judge that a variable interest rate is more favorable than a fixed one, you can go back to it.
With a housing loan with combined interest, which you can change every 3 years, you can switch from variable to fixed interest in case of a noticeable increase in EURIBOR. When circumstances change and variable interest becomes more favorable than fixed, you can switch back to it.
Thus, by combining the interest rates at will, you can protect your budget and arrange the repayment of the housing loan to suit your needs.
When you can choose both options and combine them the way you want, the decision becomes easier.
If you opt for this type of loan, you can check the required documentation below.
Additional Information for Submitting an Application for the EkoDom Combined Housing Loan with an Interest Rate Adjustment Every Three Years
Applicant:
- Permanent employment for an indefinite period of at least 6 months with the current employer.
- Transfer of personal earnings to a current account at OTP Bank
Loan collateral:
- Endorsed real estate insurance policy
- Bill of exchange and bill authorization
- First-ranking mortgage on the property
- Administrative ban
- You can conclude insurance at any of our Bank’s branches, allowing you to complete everything quickly and at a single location. Regular insurance premium payments are handled via a standing order, which is free of charge and exempt from payment fees.
It is good to know that you can always rely on OTP loan insurance.
With Kombo housing loans, only a property insurance policy endorsed in the Bank’s favor is mandatory; life insurance is entirely optional, though we recommend it when taking a housing loan—since buying an apartment is a long-term investment—and you can arrange it on the spot at the bank.
This insurance guarantees that, in the event of an unfortunate incident, the housing loan obligations will not pass onto your family members; instead, the insurance provider will repay the loan to the bank.
If you feel that this type of housing loan is not the best option for you, you can also explore other housing loans offered by OTP Bank: housing loan with a fixed interest rate for the first five years; housing loan with a fixed interest rate for the entire repayment period; combined housing loan with interest rate adjustment every three years, or our dinar-denominated housing loan.
For additional information, you can view the most frequently asked questions and answers about OTP Bank housing loans or call our contact center.
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