Up to three monthly salaries, in the salary currency, for 12 months.
ALL · OTP salary customer · Annual interest
EUR · OTP salary customer · Annual interest
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
Requires an OTP salary-crediting agreement; no collateral or co-borrower.
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.
Bank’s salary conditions ↗The bank confirms the final rate and conditions.
Official terms · page 1 ↗The bank confirms the final rate and conditions.
Official terms · page 1 ↗Requires an OTP salary-crediting agreement; no collateral or co-borrower.
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 →
The page publishes this APR without the amount and limit-usage assumptions. It is not calculated for your request and is excluded from rankings.
Bank’s example ↗The page publishes this APR without the amount and limit-usage assumptions. It is not calculated for your request and is excluded from rankings.
Bank’s example ↗✓ No collateral
✓ No administration fee
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Requires an OTP salary-crediting agreement; no collateral or co-borrower. |
| Maximum term (months) | 12 |
| Published APR (%) | ALL: 14.00% EUR: 12.32% · see examples and conditions |
| Fees | 0% administrim |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLUp to three salaries | — – 650,000 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
| EURUp to three salaries | — – 6,500 | —–12 | See nominal interest aboveSubject to profile and bank assessment. |
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
OTP — Buletini i interesave dhe tarifave për individë ↗Reviewed pages: 1, 2
