When you know about the OTP 3-month trial period
Transfer your earnings in OTP Bank and try our services 3 months free of charge.
The special offer is valid until 31.12.2024
During the 3-month trial period, you may benefit from:
- The Praktik or Prestiz package of accounts and services free of maintenance cost
- No e-bank and m-bank payment commission
Leave your data and start the trial period. Our colleagues will contact you with more details.
Refinancing your loan with lower interest rate and fixed-term interest dinar cash refinancing loan
- 8.25% fixed nominal interest rate for amounts exceeding 2,000,000 dinars
- 8.58% Annual EIR for loans exceeding 2,000,000 dinars
- Repayment term between 13 and 71 months
- Use the 0% loan release fee offer until 31.12.2024.
Loan amount between 50,000 and 3,000,000 dinars
Representative example 600.000 RSD
| Loan amount | 600.000 RSD |
| Repayment period | 71 months |
| NIR annually | 8,45% |
| Monthly instalment | 10.768,39 RSD |
| No deposite | 0,00 |
| Administrative coast | 0,00% |
| Administrative coast amount | 0 RSD |
| EIR annually | 8,81 % |
| Total amount of loan (principal, interest and costs) | 764.902,39 RSD |
| EIR calculated on | 09.07.2024. |
Representative example 2.000.000 RSD
| Loan amount | 2.000.000 RSD |
| Repayment period | 71 months |
| NIR annually | 8,25% |
| Monthly instalment | 35.698,47 RSD |
| No deposite | 0,00 |
| Administrative coast | 0,00% |
| Administrative coast amount | 0 RSD |
| EIR annually | 8,58 % |
| Total amount of loan (principal, interest and costs) | 2.534.937,83 RSD |
| EIR calculated on | 09.07.2024. |
Change your plans because the loan installment stays the same with a fixed-interest cash loan
- 8.45% fixed nominal interest rate for loan amounts exceeding 2,000,000 dinars
- 8.78% Annual EIR for loans exceeding 2,000,000 dinars
- Loan release fee 0%
- Repayment term between 6 and 71 months
- Loan amount between 50,000 and 3,000,000 dinars
- Same installment throughout the loan repayment period
- Borrower life insurance
Representative example 600.000 RSD
| Loan amount | 600.000 RSD |
| Repayment period | 71 months |
| NIR annually | 8,95% |
| Monthly instalment | 10.916,35 RSD |
| No deposite | 0,00 |
| Administrative coast | 0,00% |
| Administrative coast amount | 0 RSD |
| EIR annually | 9,35 % |
| Total amount of loan (principal, interest and costs) | 775.407,25 RSD |
| EIR calculated on | 09.07.2024. |
Representative example 2.000.000 RSD
| Loan amount | 2.000.000 RSD |
| Repayment period | 71 months |
| NIR annually | 8,45% |
| Monthly instalment | 35.894,64 RSD |
| No deposite | 0,00 |
| Administrative coast | 0,00% |
| Administrative coast amount | 0 RSD |
| EIR annually | 8,79 % |
| Total amount of loan (principal, interest and costs) | 2.548.865,64 RSD |
| EIR calculated on | 09.07.2024. |
Get a home faster with a fixed interest loan in the first 5 years
- Loan release fee: 0% of loan amount
- Minimum loan amount: 10.000 EUR
- Down payment between 10% and 20% of required loan
- 30-year repayment term
- 5.03% fixed nominal interest in the first five years of loan repayment
- 2.75% NIR + 3M EURIBOR after the first 5 years
Representative example
| Representative example of combined housing loan initiated with fixed interest rate in the first 5 years, followed by transition to variable interest rate. | |
| real estate value | 90.000 EUR |
| Client down payment | 20.000 EUR |
| Bank Loan amount | 70.000 EUR |
| Repayment term | 30 years |
| Annual NIR in first 5 years | 5,03% |
| Monthly installment in first 5 years | 377 EUR |
| Annual NIR after first 5 years | 2,75 % + 3M EURIBOR |
| Monthly installment after first 5 years | 432 EUR |
| Loan release fee (0% of loan amount) | 0 EUR |
| Loan approval cost, known at the time of advertising | |
| Bill of exchange cost | 100 RSD |
| Cost of drawing Credit Bureau report | 246 RSD |
| Validation of lien statement | 10.080 RSD |
| Annual real estate insurance | 40 EUR in dinar equivalent |
| Cost of obtaining real estate folio extract | 10 EUR in dinar equivalent |
| Real estate evaluation every 3 year | 100 EUR in dinar equivalent |
| Mortgage registration cost | 20.000 RSD |
| Annual EIR | 6,44% |
| Total loan amount (capital amount, interest and expenses) | 157.742 EUR |
| EIR on calculation date | 26.07.2024. |
*Loans indexed in Euros are agreed in dinar equivalent at the middle exchange rate of the NBS. The interest is variable and consists of the three-month EURIBOR reference interest rate, as a variable part, and the Bank's margin, as a fixed part, in accordance with the Overview of Interest and Fees for Loans for Individuals. The variable interest rate is adjusted with the value of the 3M EURIBOR on quarterly level. The three-month EURIBOR on date of calculation of example 26.07.2024 amounted to 3,6980%. The nominal interest rate from the representative example applies to clients on current account payroll in OTP Bank. The offer is informative in character. For a personalized offer, we are at your disposal in Bank’s branches.
Account package with possible 0 dinar maintenance cost
0 dinar Prestiz package maintenance even after the expiry of the promo period
| Popust | Potreba potrošnja karticom na mesečnom nivou | Mesečna naknada za vođenje paketa |
|---|---|---|
| 100% | 75.000 RSD | 595 RSD 0 RSD |
Pay by debit card inland to get completely free Prestiz package!
By spending this amount by card, you meet the condition for discount for that month. All transactions for payment of goods and services by debit card inland, made in the month for which the payment account maintenance fee is calculated, are included.
It is important to know that the discount will not apply only if a discount for monthly account maintenance for another promotion has already been approved to you.
Monthly fee discount benefit is valid between 01.05.2024 and 30.04.2025.
How to get 0 dinar Praktik package maintenance even after the expiry of the promo period?
| Popust | Potreba potrošnja karticom na mesečnom nivou | Mesečna naknada za vođenje paketa |
|---|---|---|
| 50% | 25.000 RSD | 395 RSD 197,5 RSD |
| 100% | 50.000 RSD | 395 RSD 0 RSD |
Pay by debit card inland to get half the price or even completely free Praktik package!
By spending this amount by card, you meet the condition for a discount for that month. All transactions for payment of goods and services by debit card inland, made in the month for which the payment account maintenance fee is calculated, are included.
It is important to know that the discount will not apply only if a discount for monthly account maintenance for another promotion has already been approved to you.
The monthly fee discount benefit is valid between 01.05.2024 and 30.04.2025.
Additional benefits for clients of OTP Bank
Experience benefits during your stay abroad, organize your daily financial management, make purchases with discounts at OTP partners.
Leave your data and start the trial period. Our colleagues will contact you with more details.
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