Mortgage Loan

Mortgage Loan

It's time you ensured your loved ones the comfort they deserve. Give them the pleasure of saying „home” to a comfortable house, with all the conditions for a peaceful and careless living. Transform the much desired home by your family in reality with the Mortgage Loan from OTP Bank.

Creditable amount

EUR 1.000 – 200.000 (LEI equivalent)

Maximum reimbursement period

30 years

Minimum down payment from


What are the advantages of a Mortgage Loan for acquisition with OTP Bank?

  • The amount that can be borrowed is between 1,000 and 200,000 Euros (equivalent in Lei).

  • The loan repayment period is up to 360 months.

  • The down payment required for the purchase is from at least 15%

  • You can request the refinancing through the loan from OTP of another mortgage loan that you are currently holding at another bank

  • You can apply for a loan without an income certificate if the income can be verified in the ANAF database.

  • You can bring a maximum of 3 co-debtors, to improve the repayment capacity.

  • OTP Bank accepts a wide range of income types, for granting the credit.

  • You can also opt for a Life Insurance or for a Life and Unemployment Insurance, from Groupama, with a monthly premium, which you can attach to the Mortgage Loan so that you and your family can be protected in case of unforeseen situations.

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What are the costs of a mortgage loan for aquisition?

You can choose between variable interest or fixed interest in the first 5 years and then variable.

Variable interest
The annual interest rate is between 5.48% (made up of the IRCC index and the fixed margin 2.83%) and 6.18% (consisting of IRCC index and the fixed margin 3.53%) if you choose to collect the income in your account at OTP Bank.

Fixed interest in the first 5 years and later variable
The annual interest rate is between 7.19% and 7.89% fixed in the first 5 years, then variable (consisting of IRCC + fixed margin between 4.54% and 5.24%), if you choose to collect the income in your account at OTP Bank.
The interest rate is established when the loan is granted based on the amount. Interest rate will be 0.6 percentage points higher if you choose not to collect the income in your account at OTP Bank. You can consult the detailed list of interests here.


  • If the loan will be approved, the analysis commission is 400 lei if you have the OTP Lejer Package, or 800 lei if you do not have the package;
  • 0% monthly credit administration fee;
  • 0% early repayment fee.
  • 0 lei commission for opening and administration of a current account if you have a OTP Lejer package; The complete list of rates and commissions can be consulted here.

Insurance premium (optional)

If you also choose a Life Insurance or a Life and Unemployment Insurance offered by Groupama valid for the entire duration of the loan, the monthly insurance premium is:

  • 0.033% per month, applied to the credit balance, for Life Insurance;
  • 0.050% per month, applied to the credit balance, for Life and Unemployment Insurance (PPI);

The insurance premium is paid monthly together with the credit rate.

Fees charged by third parties

  • The cost for evaluating the guarantee by an evaluator authorized by the National Association of Authorized Evaluators in Romania (ANEVAR), according to the option expressed by you.
  • Fees charged by the National Register of Mobile Advertising (RNPM) for the registration of movable guarantees.
  • The cost of insurance: the compulsory home insurance (PAD), the optional real estate insurance that constitutes the credit guarantee and the life insurance (if you opted for it);
  • Notary fees and fees related to the registration / re-registration / modification / cancellation of real estate guarantees in / from the Land Book, which are established according to the fees charged by notaries public and the Office of Cadastre and Real Estate Advertising;

How to access the Mortgage Loan

Come to any OTP Bank branch in your city to discuss the most advantageous option for you.
Some eligibility criteria to consider:

  • Be over 24 years old at the time of application, but up to 70 years old at the date of the final maturity of the loan. Persons who will be over 65 years of age on the date of the final maturity must present a life insurance valid on the date of signing the credit agreement, assigned in favor of OTP Bank and valid for the entire contractual period.

  • To be a Romanian citizen domiciled / resident in Romania or a foreign citizen resident in Romania;

  • Have a length of service, as an employee of:
    -  Minimum 3 months at the current employer and in the last 12 months total uninterrupted experience or
    -  Minimum 6 months experience with the current employer

    If you have a PFA, you have at least 12 months of activity.
    For the other types of income accepted, described below, seniority is communicated in the Territorial Units and depends on the type of income presented.

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You are one step closer to your dream house. In order to obtain the Mortgage Loan from OTP Bank, the following types of guarantees must be provided:

  • First rank Mortgage on the property set up as guarantee; a subsequent mortgage is accepted temporarily, only in the situation of refinancing another mortgage loan, for which there is a mortgage established in favor of another creditor;

  • Mandatory property insurance policy (PAD) and facultative insurance policy, both assigned in favour of OTP Bank Romania S.A. In case the facultative insurance policy is signed with Groupama Insurance, you benefit both from Self-ascertainment and from Emergency repair services. Details on;

  • Movable Mortgage on all credit balances of current accounts;

  • Insurance policy against death from any cause (if the case), assigned in favour of OTP Bank Romania S.A.

How can you apply for the Loan?

Request Call Back

Request Call Back and we will
contact you in the shortest possible time.

Notification on the protection of personal data - Loans and Lending Products

This document explains when and why we collect personal data, how we use it, the conditions in which we may disclose it, how we store it safely, and what your rights are in relation to such processing under the law. Information related to the processing and protection of personal data by OTP Bank Romania S.A. (the “Bank”, “we” or “OTP”) is also available on the webpage, Privacy section.

For the purpose of preparing an offer and, as the case may be, analysing your credit application, for carrying out a responsible lending activity, in addition to processing your personal data in the Credit Bureau, ANAF, Credit Risk Register, Payment Incidents Register, etc. systems, based on your consent in the absence of a separate legal ground for processing, we may process such data in our own records, based on our legitimate interest or on the basis of legal obligations that we must comply with.

If, during the financing process (personal loan, real estate loan, overdraft, credit card, etc.), your loan application is rejected for objective reasons or you withdraw the financing application before our analysis is complete, we will no longer process your personal data for this purpose, except to the extent required by law to store this data. If you subsequently request one of our products (current account, deposit, etc.), other than a loan, this information remains valid and we will process your data strictly in connection with the requested product/service and for which a contract is concluded with the Bank (3(a) below).


1. Controller/contact details of the controller

OTP BANK ROMANIA S.A., managed in a two-tier system, seated in Romania, Bucharest, Sector 1, str. Buzești, nr. 66-68, registered with the Bank Register under no. RB-PJR-40-028/1999, EUID: ROONRCJ40/10296/1995, registered within the Trade Register Office of Bucharest under no. J40/10296/1995, VAT Reg. No. 7926069, personal data controller registered with the National Supervisory Authority for Personal Data Processing under notification no. 2689, tel.: 0800 88 22 88/+ 4021 308 57 10, email:, processes your personal data as controller in accordance with the Regulation (EU) 679/2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (The Regulation) and Law no. 190/2018 on implementing the Regulation, in good faith and for the purposes specified herein.


2. Data Protection Officer (DPO)/Contact details of the Data Protection Officer

The data protection officer appointed by the controller can be contacted at the controller’s registered office, at the address mentioned above, or via email at If you have any questions or suggestions/complaints or wish to exercise any of your rights related to data protection as data subject, please contact the Data Protection Officer using the contact details above. We may request additional documents or information to properly identify you in order to answer to your request. All requests will be resolved in accordance with the applicable law, and free of charge. However, if the requests are manifestly unfounded or excessive, particularly because of their repetitive nature, the Bank may: (a) charge a reasonable fee, taking into account the administrative costs of providing information or communication or taking the required measures; (b) refuse to answer to the request.


3. Processed personal data

The processed data, depending on the service/product and/or the contract concluded with the Bank, is, as the case may be, the following:

a) i. identification data: last name, first name, pseudonym (if applicable), date and place of birth, personal identification number (CNP/NIF) or other similar unique identification element, such as the single registration number for authorised natural persons or the tax registration number for natural persons carrying out liberal professions, , citizenship, marital status, country of tax residence, ID document/passport series and number, other data in the identification or civil status documents as well as copies, home/residence address, profession, occupation, name of the employer or nature of activity, information about any important public position held, if applicable, political opinions (exclusively in the context of obtaining information related to the capacity of publicly exposed person - PEP), expressed inclusively in notifications/complaints/conversations about products/services/employees of the Bank, capacity, holdings and, as the case may be, powers of representation held within some legal entities, data on the beneficial owner, as the case may be, image (contained in the identification documents or captured by the video surveillance cameras installed in the Bank units or on the OTP equipment, including transposed in biometric templates), voice (recordings of telephone or audio/video calls initiated by you or us), signature/specimen signature, by hand or digital, as appropriate; ii. contact details: correspondence address (if applicable), telephone number, fax number, email address; iii. identification codes: allocated by OTP or various providers, necessary for the provision of services, such as, but not limited to: client code, internet banking username, series and number of the assigned token, transaction identifiers, including their logs, IBAN codes attached to bank accounts, debit/credit card numbers, card expiration date, contract numbers, traffic data and IP address of the device used to access our services exclusively for ensuring security measures for transactions carried out through these services, in order to prevent fraud; iv. data on the fraudulent/potentially fraudulent activity, consisting of data relating to crimes such as fraud, money laundering and terrorist financing, including data related to inconsistencies found in documents/statements submitted to the Bank, obtained from forms, statements and documents submitted, drafted or completed; v. financial data related to the source of funds, turnover in your accounts opened with our Bank, invoices, recurring payment commitments, including garnishments or enforcements communicated to the Bank as a third-party garnishee; vi. any other data that may be necessary or useful for the Bank's activity for the purposes described, in accordance with the law; b) for lending products, the Bank also processes data such as: i. data on the requested/granted lending products: product type, product/account status, grant date, grant term, amounts granted, amounts due, due date, currency, frequency of payments, amount paid, monthly instalment, outstanding amounts, number of outstanding instalments, number of days of default, default category, product closing date; ii. data on the economic and financial situation related to the source, type, fluctuation and level of your income, seniority, data on the assets held/owned, the number of dependants, monthly payment commitments, other loans you hold; iii. data on your creditworthiness: credit score, payment/saving/indebtedness behaviour; iv. health data, exclusively if the processing of such data is necessary in the context of providing insurance products/services brokered by the Bank or held by clients and the coverages provided by them or for clients to prove the difficult situation in which they or members of their families are, in the context of insurance products held or to be taken out; v. any other data that may be necessary or useful for the Bank's activity for the purposes described, in accordance with the law.


4. Data source

The personal data processed is data: i. communicated to the Bank either directly, by you, or indirectly (by proxies or other persons representing you in relation with the Bank) made available in order to initiate the contractual relationship/update data/purchase products and services/order transactions/file requests in connection with the contractual relationship, regardless of the communication channel used; ii. obtained by consulting some public sources, such as: public institutions and authorities (for example, ANAF, NBR - Credit Risk Register or Payment Incidents Register, FNGCIMM), electronic registers and databases (for example, the courts’ portal, Credit Bureau), entities involved in payment transactions (for example, international Visa and Mastercard card organizations, Central Depository). 


5. Legal grounds and purposes of personal data processing

The Bank processes your personal data as a potential client, client, borrower, debtor, co-debtor, guarantor, beneficial owner, user, proxy, delegated person or legal/contractual representative (hereinafter the “data subject”), as the case may be, based on the following legal grounds:

a. To conclude and carry out the contractual relationship with the Bank according to Article 6 (1) (b) of the Regulation for the following purposes:

  • to provide lending products and/or services and loan access products (current account, internet banking, cards) as well as to be subsequently able to carry out your instructions related to the operation of such products/services (e.g. processing collections/payments/other types of transactions with the specificities of the transactional channel used - counter, internet/mobile banking, telephone, specific ATM equipment, foreign exchange, card transactions, transactions specific to treasury/capital market/mutual funds/custody products/services, etc.);
  • to monitor the fulfilment of contractual obligations, to notify you about the concluded contracts (e.g. amendment/supplementation of characteristics/costs/functionalities/benefits products/services, information about due/overdue instalments, insurance premiums due, monitoring of collaterals, etc.), to take the required measures for non-compliance with the contractual obligations (e.g. debt collection/debt recovery/bringing forward the maturity date, reporting of negative data to credit bureaus, as well as activities prior to them, enforcement of amounts due and administration of garnishments and seizures, reporting to the authorities, etc.);
  • to report and submit the necessary information/documents to the guarantee funds (e.g. FNGCIMM, FGCR);
  • to broker the conclusion, monitoring and subsequent administration of insurance contracts.

b. In order to fulfil the legal obligations provided in Article 6 (1) (c) of the Regulation for the following purposes:

  • to carry out the KYC analysis, the risk analyses, to report suspicious transactions, to prevent fraud according to applicable KYC laws in order to prevent money laundering and terrorist financing and to establish measures to prevent and combat terrorist financing;
  • to prepare reports, submit declarations, perform the activities related to the inspections conducted by authorized authorities/institutions, such as: ANAF, ANPC, NBR, CRC, ANSPDCP, ASF/BVB, Competition Council, etc;
  • to collect by enforcement the amounts due as well as to manage garnishments and seizures, according to the special laws in the matter;
  • to carry out audit missions;
  • to report under FATCA (The US Foreign Account Tax Compliance Act), if you are a US citizen/resident;
  • to handle client complaints;
  • to revalue collaterals, to  calculate provisions;
  • to audit the financial statements of the Bank;
  • to endorse the documents sent/submitted to the capital market institutions;
  • to manage the internal registers;
  • to record and manage operational risk events;
  • to ensure physical security through video monitoring (including ATM), access cards and visitor register (reception desk);
  • to backup information;
  • to keep and archive documents, in compliance with the prudential requirements applicable to credit institutions, related to the services contracted by you, as well as other operations necessary for the performance of the concluded contract(s).

c. In order to fulfil the legitimate interests of the Bank, as provided in Article 6 (1) (f) of the Regulation, for the following purposes:

  • to conduct internal reviews (including statistical reviews)/market studies, both with regard to products/services and with regard to the client portfolio, to monitor client satisfaction and the quality of services and products purchased, to improve and continuously develop internal products/services/processes;
  • to design, develop, test and use existing or new IT systems and IT services, the storage provided by databases in the country/EU, as appropriate;
  • for direct marketing, as appropriate;
  • to plan a strategic development, to make forecasts on portfolio dynamics, to make business forecasts by performance indicators, to set budgets, to set cost elements for the Bank's products/services;
  • to establish payment structures for intermediaries;
  • to analyse and minimize the risks to which the Bank is exposed;
  • to monitor transactions to prevent fraud and to investigate potentially fraudulent ATM withdrawals;
  • to prepare internal reports to the Bank's management bodies and the OTP business group of which the Bank is a part, in order to ensure prudential measures;
  • to ensure a high level of security both at the level of information systems and within the physical locations (e.g. territorial units, headquarters);
  • to create the archive and manage it;
  • to conclude and manage financing contracts or assignments of receivables;
  • to collect debts/recover debts;
  • to establish, exercise or defend rights of the Bank before courts;  to record interactions through official communication channels, in order to provide proof of the request/consent/option regarding certain financial-banking services, as the case may be. 

d. Based on your consent, according to Article 6 (1) (a) of the Regulation, for the following purposes:

  • for verifications/queries underlying the credit risk analysis in the databases represented by the Credit Bureau, the Credit Risk Register and ANAF, if the data subject applies for a loan, which will be obtained through a separate document, as the case may be, if a distinct legal ground does not apply for meeting the lending conditions;
  • for direct marketing purposes for commercial communications, as appropriate;
  • for the audio/video recording of the conversations with the Bank;
  • to process the health data, exclusively if the processing of such data is necessary in the context of providing insurance products/services brokered by the Bank or held by clients and the coverages provided by them or for clients to prove the difficult situation in which they or members of their families are, in the context of insurance products held or to be taken out. If you have not expressed your consent to the carrying out of these operations, they will not be performed by the Bank.

The refusal to provide personal data correctly and completely for the above-mentioned purposes may prevent the Bank from properly meeting its contractual or legal obligations and may prevent you from contracting the services provided or brokered by the Bank and it may lead to the termination or restriction of the provided/brokered banking services, as appropriate.


6. Categories of recipients of personal data

In order to be able to offer you the best services and to keep our competitiveness in the banking sector, we communicate certain data inside and outside OTP. These include:

  • OTP entities, for operational, regulatory or reporting purposes, including in centralized storage system or for global processing, such as to verify new clients, comply with certain laws, guarantee the security of information systems or provide certain services (see section “About us. OTP Group” for the full list).
  • Government authorities, to comply with our regulatory obligations, for example in order to counter terrorism and prevent money laundering. In some cases, we are required by law to disclose your data to external parties, including: • Public, tax, regulatory authorities and supervisory bodies. • Judicial/investigative authorities, such as the police, public prosecutors, courts and arbitration/mediation bodies, at their express and legal request. • Lawyers, for example, in case of bankruptcy, notary publics, for example, in case of granting a mortgage loan, administrators managing the interests of other parties and the company's auditors.
  • Financial institutions, partner banks and correspondent banks, banks or financial institutions participating in syndicated loans. If you withdraw cash, pay by debit card or make a payment to an account opened with another bank, the transaction always involves another bank or financial company specialized in processing interbank payments and transmitting information on interbank transactions (e.g. Transfond S.A., Society for Worldwide Interbank Financial Telecommunication - SWIFT). In order to process payments, we must provide the other bank information about you, such as your name and account number. We sometimes communicate personal information to banks or financial institutions in other countries; for example, if you make or collect an external payment. We also communicate information to the business partners the products of which we sell, such as insurance companies.
  • Service providers. If we use other service providers, we only communicate the personal data necessary to perform a certain task. Service providers support us with activities such as: telecommunications, IT/internet banking, marketing and client communication management, archiving in physical and/or electronic format, courier, audit, technical maintenance of CCTV equipment, digital certification related to electronic signatures, payment processing, card issuance and enrolment (e.g. Mastercard, Visa) etc.


7 . Transfer to third countries and safety measures

Depending on the location of the servers of OTP or of its processors, where the data will be stored, or the location of certain data recipients, personal data could be transferred, as appropriate, to other Member States of the Union European and European Economic Area respectively. Except as otherwise expressly required by the law or where strictly necessary for the Bank to fulfil the contract and the obligations assumed towards you, we will not transfer your personal data outside of the European Economic Area. In the event that the Bank must transfer data to third countries, we will only transfer the personal data strictly necessary for the performance of the contract and/or the obligations assumed towards you (e.g. your order to make an international bank transfer or your use of the bank card in states outside of the European Economic Area). The Bank will make every effort to protect your personal data in our possession or under our control by establishing appropriate security measures to prevent unauthorized access, collection, use, disclosure, copying, modification or placement/storage, and other similar risks.


8 . Data storage period/criteria for determining the storage period

We will keep your personal data for the period of time necessary to comply with the contractual obligations assumed towards you, respectively for the period of time necessary to comply with the applicable legal obligations. The Bank will periodically conduct sessions to review of the processed personal data in order to ensure that data or certain categories of processed personal data is/are not retained for longer than necessary. In order to determine the period for which the data will be stored, we take into account the contractual period until the performance/expiry of contractual obligations, as well as the archiving deadlines. Thus, the Bank will store personal data, as appropriate, for a period of:

  • 5 years from the date of termination of the business relationship with the client for keeping the identification documents, the monitoring and verifications performed, as provided by Article 21 (1) of Law no. 129/2019 on preventing and combating money laundering and terrorist financing, and amending and supplementing some legal acts;
  • 10 years for keeping the supporting documents from the date of carrying out the operations in the accounts, including the logs related to the transactions, as provided by Article 25 of the Accounting Law no. 82/1991;
  • 30 days from the date of recording the data processed by the video surveillance systems, as provided by Article 93 of the Methodological Norms for the application of Law no. 333/2003 on the security of facilities, assets, values and on the security of persons;
  • If you have expressed your consent to the processing of your data for direct marketing purposes, including profiling for direct marketing purposes, the data processing for this purpose will take place during the contractual relationship with OTP Bank Romania S.A., as well as 1 year from its termination. Should you withdraw your consent for direct marketing purposes, OTP Bank Romania SA will no longer process your data for this purpose. For details on the processing for marketing purposes, please refer to the marketing consent section.


9. Your rights as a data subject with respect to personal data

In accordance with the Regulation, your rights as a data subject with regard to the processing of personal data are as follows: the right of access, the right to rectification, the right to erasure (“the right to be forgotten”), the right to restriction of processing, the right to data portability, the right to object (in the case of data processing based on our legitimate interest or on your consent, with the mention that the withdrawal of consent will have effects only for the future, the processing performed previously remaining valid), the right not to be subject to an automated individual decision, including profiling.

If you believe that your rights as a data subject have been breached, you may lodge at any time a complaint or notice to that effect with the National Supervisory Authority for Personal Data Processing, seated in B-dul Gral. Gheorghe Magheru 28-30, Sector 1, Post code 010336, Bucharest, Romania (fax: +40 318 059 602, email: You can also bring an action before the competent courts.

I agree with the processing of personal data for marketing and profiling by the Bank
I agree with the processing of personal data for the purposes of marketing and profiling by third party partners of the Bank

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Visit our OTP Bank Branch and
let's talk about the most appropriate option.

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Installments calculator for mortgage loan

Make a simulation and calculate your monthly installment

from 4500 to 985000 lei
from 6 to 360 months

Kalkuláció eredménye

Monthly installment
Loan value
The total amount reimbursed
Repayment period

What do you have to do to get the Mortgage Loan?

To make things as simple as possible, we have a summary of the steps you need to take in order to apply for a Mortgage Loan. We are at your side at every step and inform you of all the costs needed to be paid, as well as the documents you need in order to meet the eligibility criteria.

The steps we will take together are:

  • 1. Preliminary discussion: We meet and verify the lending conditions, perform a preliminary calculation and inform you relating to the necessary documents. 

  • 2. Credit application: fill in and present the following documents directly in the branch:

    • •   Identity card (original);
    • •   Agreement for consulting the revenues from the ANAF database or Income certificate in case of clients for which the revenues are not reported to ANAF (eg employees of MAI, MApN, SRI, Gendarmerie, etc.)
    • or
    • supporting documents for other types of revenues collected if they cannot be verified in the ANAF database;
    • •   Credit application (original, standardized form of the bank), which includes:
    •     - Declaration on payment obligations, disputes with third parties and group relations;
    •     - Credit Risk Central Consultation Agreement (CRC);
    •     - Credit Bureau consultation agreement;
    • •   Supporting documents regarding the refinancing of the existing mortgage loan (if applicable).
    • •   Documents regarding the building that is the object of the Credit Application:
    •     - Documents proving the property right over the building, such as: deed of sale-purchase, deed of donation, etc.
    •     - Closing of tabulation or Land book extract;
    •     - Pre-sale-purchase contract (if any);

    OTP Bank reserves the right to request additional documents on a case-by-case basis.

  • 3. Obtaining the preliminary answer: we inform you about the financial pre-approval and for the continuation of the process it will be necessary to pay the evaluation fee.

  • 4. Preparation and presentation of the evaluation report: follows the inspection of the building and preparation of the evaluation report by the authorized appraiser, member of the National Association of Authorized Appraisers in Romania.

  • 5. Final approval: what was more difficult has passed! When your application is approved, you are invited to the branch to sign the European Standardized Information Sheet (EFSI). You can already schedule the signing of contracts with the notary and the seller of the property.

  • 6. Signing the contracts: you conclude the real estate insurance policies, you sign the credit, sale-purchase and mortgage contracts and you receive a schedule to follow for the payment of the monthly installments.

  • 7. Granting the loan: after presenting to the bank the conclusion of the tabulation and the extract of the Land Book with the mortgage in favor of OTP Bank, the amount from the credit is transferred to the seller's account opened at OTP Bank (instant transfer) or another bank.

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Details for Life Insurance and Life and Unemployment Insurance

For a more secure future and financial stability, OTP Bank offers you the possibility to add a Life Insurance policy or a Life and Unemployment Policy (PPI) to the Mortgage Loan, having the following main characteristics:

  • The insurance policy can be issued at the time of granting the loan or at any time during the credit period.
  • The validity of the policy starts from the moment of signing the insurance policy, and ends at the final maturity of the loan.
  • The minimum period of the insurance policy is 1 year.

The risks covered by Life Insurance are:


The risks covered by Life and Unemployment Insurance are different, depending on the socio-professional category to which the client belongs (Employees, Freelancers or Pensioners):


Which are the incomes accepted for Mortgage Loan?

In order to obtain your Mortgage Loan, OTP Bank accepts a wide range of incomes:

  • Incomes from salary;
  • Income from management contracts;
  • Monthly pay, indemnities, increments, food allowance and other rights having a continuity nature;
  • Parental allowances;
  • Income from copyright or intellectual property rights;
  • Income from management or censorship benefits;
  • Retirement income from Romania / abroad;
  • Commercial incomes (e.g.: provision of services etc., other than the liberal professions);
  • Income from life annuities;
  • Income obtained by navigators based on navigation contracts;
  • Income from renting properties;
  • Income from dividends;
  • Income from liberal professions.
  • Income from management contracts;
  • Food vouchers;
  • Salary received by Romanian citizens abroad;
  • Income from agent/representation/brokerage agreements / civil agreements/conventions;
  • Incomes from abroad;

Calculation model

Credit for home purchase

With income collection in your OTP account

With income collection in your OTP account

Loan amount

320,000 lei

310,000 lei

Credit duration / Number of installments

300 months / installments

300 months / installments

Interest rate



Interest rate type

(IRCC + fix margin 2.83% per year)

Fixed for the first 5 years, then variable
(IRCC + fix margin 4.54% per year)

Analysis commission

400 lei

400 lei

Monthly current account administration fee

5 lei

5 lei

Monthly installment

1,961 lei

2,229 lei

Total cost of loan

270,278 lei

360,520 lei

Total payment amount

590,278 lei

670,520 lei





The following costs applied by third parties are not known to the creditor and, consequently, are not included in the calculation of the APR: property valuation tax and insurance costs, notary fees and fees for the tabulation of the sale-purchase contract, as well as authentication of the mortgage contract, the fee for the registration of the movable mortgage in RNPM. These will be charged according to the tariff practiced by the respective service provider. 

We would like to inform you that there is a possibility to change, in the sense of the increase, the amounts due, in case of materialization of the interest rate risk, in the situation where the contracted credit has variable interest. At the same time, please keep in mind that the fluctuation of your own income can lead to affecting the possibility of payment.

Frequently Asked Questions

To approve the loan, your monthly net salary must be at least 1,524 lei. If you get income from several employers, we will cumulate them as long as at least one of the incomes is the equivalent of the minimum wage in the economy.

Yes, if you are retired and your retirement decision is final or reviewable *, depending on your needs and plans, you can apply for a mortgage.

* In the case of the pension with periodic review, the credit will be granted only for the period equal to the number of months remaining until the expiration of the decision, respecting the minimum duration of the product.

In the case of the loan for the purchase of housing, it is necessary to insure the property for the entire crediting period (optional insurance policy and compulsory PAD policy).

Persons who will be over 65 years of age on the date of the final maturity must present a life insurance valid on the date of signing the credit agreement, assigned in favor of OTP Bank and valid for the entire contractual period.

To pay the installments related to your loan, you can either go to the OTP Bank branches, or make transfers to your current account (from where the amount due at maturity will be withdrawn). If the credit is in a currency other than the one in which the current account was opened, the currency exchange will take place automatically on the due date.

In order to be mortgaged, the home must meet the following criteria:

  • to represent a property for living: house, villa, apartment
  • to be a finished house (tabulated).
  • be free of burdens
  • to be included in the civil circuit
  • be located within the built-up area of a locality
  • not to be damaged, incomplete or in an advanced stage of deterioration

The credit funds granted will be transferred to the seller's account (opened free of charge), and the commission for withdrawing cash from his current account from OTP is set at 0%, for the amounts coming from mortgage loans.

The utility bill is required in order to verify the home address that appears on the identity card. The utility bill does not have to be in the name of the applicant. Instead, the ownership document is accepted.

Work interruptions are the period of time in which you did not have a professional activity. The following, are not considered interruptions: maternity leave, medical leave, military service, study leave, leave for temporary incapacity for work.

Under these conditions, you can apply for a loan for the maximum period remaining until the expiration of the employment contract, in compliance with the minimum duration established for that loan.