Buy your house!

Wherever you are, you feel comfortable when you know you will return home. Now you don’t have to pay for rent anymore or share the house with your parents. OTP Bank shows you the quickest way to your house, with the mortgage loan .

The mortgage loan in Lei, Euro or Swiss francs from OTP Bank is the solution to buy your dream house.

Advantages

Discover how can you become the owner of a house in the shortest time possible and with the most profitable conditions:

• maximum debt burden: 60%
• maximum reimbursement period: 30 years;
• maximum 3 co-debtors, in order to solicit a higher amount of money;
• the guarantees are a first rank mortgage on the purchased property and the property insurance assigned in favor of OTP Bank Romania S.A.;
• mandatory life insurance*;
• no withdrawal commission.

* if your age does not exceed 65 years at credit expiration

For a more complex estimation, please contact us at 0800 88 22 88 or at any OTP Bank branch.
 

Characteristics	Description
Destination	house acquisition
Currency	RON, EUR, CHF
Credit amount	min. 1,000 EUR (or equivalent) – max. 300,000 EUR (or equivalent)
Interest rate	variable
Granting period	minimum 6 months - maximum 360 months
Maximum amount of financing	maximum 80% of the value of the property/properties presented as guarantee
Collaterals	1st rank mortgage on the purchased property; It is acceptable an inferior mortgage rank only if the superior ranks are in favor of OTP Bank; property insurance assigned in favor of OTP Bank Romania S.A. mortgage pledge on the credit balance in all the current accounts of the beneficiary
Reimbursement method	equal or descending monthly installments, composed of the principal and the interest
Early repayment	partial or full repaiment on any working day