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When you know how to get a home

Housing loans with variable interest rate to help you find a new home easily.
Special offer with lower interest rates and 0% loan disbursement fee available until September 30, 2024.

Calculate the monthly installment for the loan amount requested and the desired repayment period.

0 EUR Loan
0 Fee for loan processing
0 Loan processing fee amount
* the calculator is indicative only.

Izračunajte mesečnu ratu za traženi iznos kredita i željeni period otplate.

Amount of real estate
Unesi period otplate
0 EUR Loan
0% NIR
* the calculator is indicative only.

Calculate your instalment on the assumption of the variable part of the interest rate change and/or exchange rate change

Access the calculator of the National Bank of Serbia here

Do you have any additional questions?

If you have any questions or concerns, our experienced bankers are at your disposal.

Basic conditions and features of housing loan with variable interest rate

The bank reserves the right to make a decision on the loan approval, as well as to request additional documents and guarantees.

  • Minimum share of 10% if the mortgage is placed on another registered object.

  • Wondering why it’s important to insure your life while repaying a home loan? A housing loan is a life project. It lasts on average 15-20 years. In case of unforeseen life circumstances, it may happen that the heirs cannot pay the installments on the loan for the mortgaged apartment. In order for the family to be secured, it is important that you insure yourself. The insurance company will repay the rest of the debt on the loan and the bank will delete the mortgage from the apartment. It’s all up to 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 period30 years
NIR annually until 31.12.20241,10% + three-month EURIBOR
Monthly instalment until 31.12.2024157 EUR
NIR annually after 31.12.20243,25% + three-month EURIBOR
Monthly instalment after 31.12.2024198 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 annually7,49 %
Total amount of loan (principal, interest and costs)73.406 EUR
EIR calculated on26.06.2024.

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 26.06.2024. of 3.6820. 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.

Do you have any additional questions?

If you have any questions or concerns, our experienced bankers are at your disposal.

Additional information on applying for a housing loan with variable interest rate

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 tak 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

List of documents for housing loan
Certificate of employment and income

6 steps to purchasing an apartment

Purchasing of an apartment is considered one of our most important life decisions. In order to make this “sweet torment” as easy as possible and gathering of documents smooth, take 6 steps to circumvent the process of applying for a housing loan and purchasing of future property.

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