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Personal loan with mortgage

You will succeed in obtaining what you’ve been wishing for so long, faster then you expect. With the personal loan with mortgage from OTP Bank you could obtain money that will allow you to fulfil your biggest dreams: buy a house, a car or go travel around the world… it’s up to you to decide, we will help you put everything into action!

All your plans can come true!

Advantages

It is very simple to succeed. You just have to find the right solutions and everything you want can come true. With the personal loan with mortgage, OTP Bank offers you all the support you need and the most profitable conditions:

  • you can choose between lei, euro and Swiss francs;
  • maximum reimbursement period of 30 years;
  • maximum debt burden of 60%;
  • maximum 3 co-debtors to increase the solicited amount;
  • the guarantee will be a habitation;
  • the property presented for guarantee can belong to you or any other person;
  • more income types accepted (salary, pensions, freelancers incomes, life annuities, dividends, income from rental fees, income from abroad etc);

You can request a credit if:

  • Your age is between 18 and 65 years at the date of full repayment of the loan, in this case the insurance is compulsory;
  • Your age is between 18 and 70 years from the date of full repayment of the credit; in this case a life insurance is compulsory throughout the loan's course;
  • You have minimum 350 RON monthly net income.


 

Characteristics Description
Destination Personal needs
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