Deposit-secured loan
Up to 95% of the deposit, repaying the borrowed amount and interest together at maturity.
Cost summary
Indicative figures- Monthly payment
- UnconfirmedPer month
- Total interest
- UnconfirmedOver the whole term
- Fees
- UnconfirmedUpfront bank fee only
- Total repayment
- UnconfirmedLoan + interest + known fee
Interest and monthly payments over time
View rates by option (2)
ALL · Single maturity payment · Annual interest
- Year 1
- Deposit rate + 2%Variable · the benchmark may change
- From year 2
- Deposit rate + 2%Variable · the benchmark may change
EUR · Single maturity payment · Annual interest
- Year 1
- Deposit rate + 2%Variable · the benchmark may change
- From year 2
- Deposit rate + 2%Variable · the benchmark may change
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →Your product context
Calculate with this product →Nominal interest by currency
The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
ALL · Lekë
- Year 1
- Deposit rate + 2%Variable · the benchmark may change
- From year 2
- Deposit rate + 2%Variable · the benchmark may change
Request a personal repayment schedule from the bank.
Official terms · page 2 ↗EUR · Euro
- Year 1
- Deposit rate + 2%Variable · the benchmark may change
- From year 2
- Deposit rate + 2%Variable · the benchmark may change
Request a personal repayment schedule from the bank.
Official terms · page 2 ↗USD
- Year 1
- Not confirmed by the bank
- From year 2
- Not confirmed by the bank
Employment, income & eligibility
Residents or nonresidents with a sufficient OTP deposit. A third-party depositor must guarantee the loan; all joint deposit holders sign.
- Documents
- ID or passport. No co-borrower is required when the depositor is the borrower. Source ↗
Annual percentage rate (APR)
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
- ALL
- Not confirmed
- EUR
- Not confirmed
- USD
- Not confirmed
No completed APR is published for this offer. Request a precontractual quote for your amount and term.
Repayment, costs & documents
Benefits and limitations
✓ Up to 95% of the deposit
✓ Repayment when the deposit matures
| Currencies | ALL, EUR, USD |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Fees | 0.5%; min 5,000 LEK / 50 EUR; USD për konfirmim |
| Collateral | Depozitë e bllokuar / Pledged deposit |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi me garanci depozite
OTP — Buletini i interesave dhe tarifave për individë ↗Reviewed pages: 2, 3