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Personal loan with mortgage


 

Mandatory documents regardless of the type of applicants:

  • Identity card (original)
  • Residence certificate (original- if it is the case)
  • Income statement 
     
  • Loan request (original, standard form issued by the bank) which includes:
    • Statement regarding the monthly financial obligations of the customer and his/her family and the litigations with the third parties,
    • CRB inquiry agreement,
    • Credit Bureau inquiry agreement.


 

Necessary documentation depending on the income type:

Type of income Necessary documentation
Salary income

 
  • Income Statement issued by the employer (original)
  • Photocopy of the first 3 and last 2 pages of the workbook stamped by employer and certified "according to the original";
  • In case you do not have workbook, it is necessary to present the Individual Working contract, in original, with the Territorial Labour Unit visa;

* Only for loans greater than 50 000 € or equivalent.
 
Pension income

1)for pension incomes obtained in Romania:

  • Pension decision
  • Pension slip/ account statement attesting the pension collection (for at least the last month)

2) for pension incomes from abroad:

  • Pension decision / contract with apostil
  • Legalized translation of the decision / contract
  • Documents attesting the pension collection for at least the last 2 months.
Author or intellectual rights income
  • The contract for author or intellectual rights;
  • Fiscal declaration certifying the registration of the incomes/ the paying of the taxes for author rights
  • The Income Statement issued by employer
Board incentives and censors income
  • The appointment decision or the company's certification
  • Fiscal statement
  • Income statement
Freelancers income (PFA)
  • Documentation attesting the freelancer profession registered to the relevant authority (ex. the Bar association decision for lawyers, decision of the Appeal Court Registry for the public notaries, etc.)

1) Freelancers without a ledger according to the law

  • The Special Statements regarding freelancers' income for the last 2 years

    OR

     
  • Final taxation decision for the last 2 years

2) Freelancers with a ledger according to the law

  • The Special Statements regarding freelancers' income for the last year

    OR

     
  • Final taxation decision for the last year

    OR

     
  • Fiscal certification for the previous year income and taxes

    AND

     
  • Current year’s ledger.
Sailor's income
  • Account statements / Income statement/ Work contract proving the incomes received in the last 24 months
  • Contracts/ Income statement or Registration from the Naval Authority, proving the activity over the last 2 years
  • Employment offer from the shipping company / valid contract / sailor certification when applying for the loan
  • If the work contract / employment offer is in a foreign language, the applicant must present a translated version with apostil. The income statement must only be translated.
Incomes from life annuity
  • Income statement issued by the company/institution paying the annuity mentioning the incomes and the legal stipulations of the income
  • Client’s accountability statement confirming that he/she will not make changes that will lead to the cancellation of the life annuity
Income from dividends
  • Extract from the Chamber of Commerce
  • Annual and monthly balance sheet for the last 2 years registered at the Financial Administration
  • AGA decision for dividends distributed in the last 2 years
Rental incomes
  • The rental contract registered at the Financial Administration office
  • The declaration of registration of rental incomes at the Financial Administration office
  • Client’s accountability statement that the rent will be received in a current account at OTP Bank Romania S.A.
Income from abroad
  • Working contract with apostil and legalized Romanian translation
     
  • Translated Income statement containing minimum the following information: employer identification and contact data, applicant's position, duration of contract, net income cashed in the last 6 months, 2 signed contact person of the income statement;
  • Account statement proving the income cashed in for the last 6 months
  • Previous working contract (only in case the current working contract is concluded for a determined period of time)
  • Documentation proving that the applicant is working as a qualified employee, for ex.: studies diploma
Incomes from agent/ mandate/ commission contracts
  • The agent/ mandate/ commission contract
  • Fiscal declaration certifying the registration of the incomes
  • Income statement issued by the employer (original)
Incomes from commissions (supplementary to salary) The Income Statement (original) mentioning the income cashed in for the last 6 months

Documents regarding the mortgage:

Mortgage type – house (completed)

  • Documentation proving the right of ownership, like: donation documentation, acquisition contract etc.
  • Proof of registration of property rights in the land-book
  • Guarantee evaluation report (prepared by an evaluation company agreed by the Bank)

The bank reserves its right to request supplementary documents, from case to case.