Loans

Personal loans

ONLINE Personal Loan

Happiness is around the corner. Apply online and the dream you keep postponing can now become a reality. 

  • Fix interest rate of 9,99%*

  • Creditable loan amount 1.000 – 100.000 lei

  • OTP Lejer package included (Current account and Mastercard debit card in lei, Internet & Mobile Banking)

  • *in case the income is received in your account from OTP Bank or 10.99% without income transfer.

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Personal Loan

There are times when personal needs are no longer just yours or maybe you wish for a balanced family budget.

  • The loan amount that can be borrowed is between 1.000 and 150.000 lei;

  • The reimbursement period of the personal needs loan is between 6 and 60 months;

  • Discount for the interest rate of 1 percentage point for refinancing loans from other banks;

  • See the refinancing offer.
     

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Overdraft - current account

If you are under 65 and an income equal to the national minimum wage, you can apply for an overdraft.
  • No income certificate required
  • No need to explain the purpose of use
  • No supplementary guarantees
  • You repay only the interest on the used amount each month
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Personal Needs Mortgage Backed Loan

Whenever your plans cannot be postponed, you always find a support at OTP Bank. This is the reason why we are recomending you a product to help you get to work, the Personal Needs Mortgage Backed Loan.

  • Creditable amount: 1.000 – 150.000 EUR (LEI equivalent)

  • Reimbursement period: 6 – 60 months

  • 0% analysis fee

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Mortgage loans

Mortgage backed loans

No matter where you are, you feel at ease when you know you are returning home, where you have your loved ones, and the desired comfort.
  • Minimum advance payment of 15%

  • The value of the mortgage loan can be minimum 1.000 EUR, LEI equivalent or maximum 300.000 EUR, LEI equivalent

  • 0% monthly credit administration fee
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New House Loan

Your dream house can finally be yours. Just follow some small steps and then enjoy the comfort of your home.

  • For the New House Loan we are waiting for you in any OTP Bank branch in order to receive the information related to the characteristics of the product, and application

  • You do not need an income certificate, if the earnings can be verified in the ANAF database

  • Minimum advance payment of 5%

  • Maximum repayment schedule: 30 years

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