Maximum termALL: 120 monthsDepending on amount and option
Maximum amountALL: ALL 3,000,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
OTP publishes the same nominal rate for salary at OTP and at other banks. The benefit is the disbursement fee: 2% at OTP versus 2.5% for other-bank salary; this also affects APR.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Salary or rental income at OTP/another bank, with financial records and identification; the bank assesses eligibility.
No co-borrower requiredReduced documentation
The webpage’s 10.40/10.52% APR examples accompany the 8% initial rate. The PDF also has an 11.51% illustration using 10.8% throughout; it is excluded from the current introductory offer.
Maximum termALL: 360 months
EUR: 360 monthsDepending on amount and option
Maximum amountALL: Unconfirmed
EUR: EUR 300,000Subject to bank approval
Interest and conditions
Nominal interest by currency
Salary at the lending bankSalary conditions
These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Documented salary, business, rental income or a combination is accepted. Co-borrower and security required.
Fixed EUR option up to 15 yearsVariable option up to 30 years
The fully fixed EUR option up to 15 years differs from 1/3/5-year introductory rates. Up to 30 years applies to salary/rent; business income is limited to 20 years.
Card fee · later yearsALL 1,500 / year · salary at this bank
ALL 2,500 / year · other customers
EUR 10 / year · salary at this bank
EUR 20 / year · other customersCard maintenance only; other charges may apply
CurrenciesALL · EUR
Nominal interest by currency
ALL · Lekë
OTP salary customer20%Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Who can apply? Salary earners in Albania, including customers of other banks. Fixed-term employment requires security; unemployed applicants may apply with a pledged personal deposit. ID/passport and 12 months of income statements.
ALL or EUR5% minimum payment
APR was not confirmed. Salary at OTP reduces interest and annual fees; the stated late-fee grace is not assumed interest-free.
