We see the best version of you.
Home Loan Benefits
Professional counseling on the real estate market
Orientation towards the best investment for you
Adjust the loan according to your financial situation
Fast and simple process
More benefits if you have the salary at OTP Bank
More on Housing and Reconstruction Loans
Maximum amount: up to 300,000 Euros.
Duration: up to 25 years.
Currency: ALL, EURO
Interest Rates *:
LEK: 2.4% fixed for the first year;
LEK: 3.5% fixed for the first 2 years;
LEK: 4.0% fixed the first 3 years;
Income from salary/rent: B.TH 12M+1.5%(min. 4.0%)
Other income: B.TH 12M+1.6%(min. 4.0%)
EUR: 1.4% fixed for the first year;
EUR: 2.5% fixed for the first 2 years;
EUR: 3.0% for the first 3 years;
EUR: 3.75% for the first 5 years;
Income from salary/rent: Euribor 12M+3.75%(min. 4.0%)
Other income: Euribor 12M+3.85%(min. 4.0%)
Repayment method: principal and interest are paid in equal monthly installments.
*Penalties: In case of delays in payment of installments, the bank applies a delay penalty, based on the current Terms & Conditions.
Early Payment: The bank accepts partial or total payments before the maturity of the loan.
How To Benefit the Home and Reconstruction Loans
The following documents are required for the principal borrower and the co-borrower:
Proof of income (from salary, rent, or both).
Identification Documents (ID or Passport)
* The Bank reserves the right to request additional documents if it deems it necessary.
Collateral: Bank accepts collateral:
Mortgage Real Estate with minimum coverage 143%)
Coverage with 110% of the loan value
– Co-borrower required
Life insurance for amounts over 2,000,000 All in the amount of 100% of the loan amount
Property insurance for amounts over 1,000,000 All in the amount of 110% of the loan amount
For more information please download the standardized pre-contractual documentation for Home Loan here