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 June 30, 2024.
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.
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
- Minimum loan amount: 10.000 EUR
- Down payment: from 10% to 20% of the requested loan amount1
- Repayment period up to 30 years
- Variable interest rate from 3,25% to 4,55% + three-month EURIBOR. 1,1% + 3M EURIBOR until 31.12.2024. (in line with NBS Decision on Temporary measures relating to private individuals housing lonas)
- Possibility to purchase registered and unregistered immovable property and establish mortgage on said property
- Possibility to combine earnings of debtor and joint debtor
- Life insurance for a loan beneficiary2
- Fee for loan processing : 0% of the loan amount
- Administrative ban
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 value | 37.500 EUR |
| Client down payment | 7.500 EUR |
| Bank loan amount | 30.000 EUR |
| Repayment period | 30 years |
| NIR annually until 31.12.2024 | 1,10% + three-month EURIBOR |
| Monthly instalment until 31.12.2024 | 161 EUR |
| NIR annually after 31.12.2024 | 3,25% + three-month EURIBOR |
| Monthly instalment after 31.12.2024 | 202 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 | 10.080 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 | 20.000 RSD |
| EIR annually | 7,66 % |
| Total amount of loan (principal, interest and costs) | 74.852 EUR |
| EIR calculated on | 29.03.2024. |
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 29.03.2024. of 3.9020. 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.
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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