Personal needs loan online with OTP Lejer package

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

*The interest rate presented has a discount of 1 percentage point compared to the standard interest rate, in case the income is received in your account from OTP Bank. The interest rate is determined at the granting moment of the loan based on your financial profile and will remain fix on the entire period of the loan.

Fix interest rate

Interest rate: is 9,99% yearly, in case you choose to have the income received in your account from OTP Bank.
The interest rate is determined at the granting moment of the loan and will remain FIX on the entire period of the loan, as long as you are receiving the income in OTP. It will be higher with 1 percentage point when you choose not to receive the income in your OTP account. You can check the detailed list of interest rates here.

Commissions

• 0 lei analysis commission.
• 0 lei commission for opening and administration of the current account.
• 0% monthly administration commission for the loan.
• For loans with fix interest rate, the anticipated repayment commission is 0,5% from the outstanding of the loan when the remaining loan period is less than 1 year, or 1% from the outstanding of the loan when the remaining loan period is higher than 1 year.

Taxes perceived by third parties

Tax perceived by National Registry of Movable Advertising for movable guarantees registration.

Conditions to apply

• You are not and have not been an OTP Bank customer
• Your age is over 23 years old at the time of application, but up to 65 years old on the date of the final maturity of the loan;
• You are a Romanian citizen resident in Romania
• You are the real beneficiary of the funds
• You are not a publicly exposed person
• You are not part of a category of persons affiliated to the bank / clients in contact with other clients of the bank
• You have no litigation and you are not an employee / relative of an OTP Bank employee.
• You will not make transactions with virtual currencies (Bitcoin, Ethereum, etc.)
• You must be over 23 years old at the time of application, but up to 65 years old on the date of the final maturity of the loan;
• Romanian citizens domiciled in Romania;
• You have a seniority as an employee of:
  - Minimum 3 months at the current employer and in the last 12 months total uninterrupted experience or
  - Minimum 6 months experience with the current employer

You will need

• Identity card issued by the Romanian state
• Access to your email address
• Your mobile phone number
• Computer, tablet or mobile phone equipped with a video camera
• Stable internet connection
• One of the recommended browsers​​​​