Personal loans
Online
ONLINE Personal Loan
The dream that you have had for many years and that you kept postponing it can finally turn into reality.
- You rapidly receive a personalized offer – apply online and within 10 minutes you will receive the customized offer
- You can borrow any amount between 2.000 and 44.000 LEI
- You have 0% monthly fee for Loan administration
- The repayment period is between 6 months and 60 months
Personal Loan
There are times when personal needs are no longer just yours or maybe you wish for a balanced family budget.
- You do not need an income certificate, if the earnings can be verified in the ANAF database
- No advance, no guarantor
- 0% monthly fee for Loan administration
- You can borrow any amount between 630 and 66,000 lei
Promotion
Overdraft - current account
If you are under 65 and an income equal to the national minimum wage, you can apply for an overdraft.
- No income certificate required
- No need to explain the purpose of use
- No supplementary guarantees
- You repay only the interest on the used amount each month
Refinancing by Personal Loan with Guarantee
You can refinance the credits obtained from other bank in only one facility, with lower instalments.
- No income certificate required
- You can request a refinancing of up to 75% of the guarantee value for a period of minimum 6 months and maximum 360 months
- The credit can be minimum 150 EUR (LEI equivalent) and maximum 200.000 EUR (LEI equivalent)
Personal Loan with Mortgage
The dream that you have had for years and that you kept postponing due to lack of money can finally turn into reality.
- You can apply with up to 3 co-debtors in order to be able to get a higher amount for refinancing
- Your Loan's guarantee is a dwelling that may be owned by you or another person
Mortgage loans
Mortgage Loan
No matter where you are, you feel at ease when you know you are returning home, where you have your loved ones, and the desired comfort.
- Minimum advance payment of 15%
- The value of the mortgage loan can be minimum 1.000 EUR, LEI equivalent or maximum 200.000 EUR, LEI equivalent
- 0 LEI application review fee
- 0% monthly credit administration fee
First House OTP Bank Loan
Your dream house can finally be yours. Just follow some small steps and then enjoy the comfort of your home.
- For the First House Loan we are waiting for you in any OTP Bank branch in order to receive the information related to the characteristics of the product, and application
- You do not need an income certificate, if the earnings can be verified in the ANAF database
- Minimum advance payment of 5%
- Maximum repayment schedule: 30 years