Sustainable loans| NKBM | OTP banka

At OTP banka, we support your concern for the environment, which is why we have added something new to our offer: sustainable loans, with which you can finance energy-efficient and environmentally friendly solutions.

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SUSTAINABLE LOANS

For sustainable purchases or a sustainably decorated home, choose a sustainable consumer or a sustainable housing loan with a more favorable interest rate than loans from the regular offer.
 

OTP Banka
The Offer


A dedicated sustainable loan.
For sustainable purchases.
For a sustainably designed home.
 
 
OTP Banka
Interest rate


More favorable than the regular offer.
Fixed interest rate.
Variable interest rate.
 
 
OTP Banka
Extra


Click "I want an offer" and send an inquiry.
Take advantage of the comprehensive assistance of OTP banka's experienced experts.
 

Apply for a sustainable consumer or housing loan on favorable terms

 

Sustainable consumer loan
 

OTP Banka
Purpose*
  • Environmentally friendly cars*
  • Bikes*
  • Energy-efficient household appliances*

OTP Banka
Loan amount

 
Up to 40,000 EUR.
OTP Banka
Interest rate

 
Fixed interest rate with a maximum maturity of 83 months.
OTP Banka
Loan insurance

 
No insurance.
OTP Banka
Payment

 
The credit is 100% earmarked.
OTP Banka
Benefits
A more favorable interest rate than the regular offer.
No approval fees until the end of the year.


*The object of purchase must meet the conditions set by the bank.
 

Sustainable housing loan
 

OTP Banka
Purpose*
  • Buying or building an energy-efficient house*
  • Solar power plant*
  • Heat Pump*
  • Renovation to improve energy efficiency; windows, doors, roof, and facade.*
OTP Banka
Loan amount
Up to 350,000 EUR.

OTP Banka
Interest rate
 
Fixed interest rate with a maximum maturity of 20 years, variable interest rate with a maximum maturity of 30 years.

OTP Banka
Loan insurance

With a mortgage on freehold real estate in the Republic of Slovenia or with the payment of an insurance premium.

OTP Banka
Payment
The credit is 100% earmarked.
OTP Banka
Benefits

A more favorable interest rate than the regular offer.
No approval fees until the end of the year.

*The object of purchase must meet the conditions set by the bank.
 
Sustainable housing loan - MORTGAGE
 
Sustainable housing loan
 

Sustainable housing loan
 
Total amount of the loan 100.000 EUR 100.000 EUR
Repayment period 240 months 240 months
Monthly installment 675,63 EUR 585,11 EUR
Annual interest rate 3-monthEuribor + 1,40 % 3,60 %
Approval costs 0 EUR 0 EUR
Form of insurance Loan insurance with real estate Loan insurance with real estate
Account management costs 5,80 EUR monthly 5,80 EUR monthly
Total cost of the loan  63.544,42 EUR 41.819,02 EUR
Total amount to be paid 163.544,42 EUR 141.819,02 EUR
Effective interest rate (EOM) 5,52 % 3,78 %

The calculation is informative and prepared on 25.04.2024. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

 

 
Sustainable housing loan - ZAVAROVALNICA TRIGLAV
 
Sustainable housing loan
 

Sustainable housing loan
 
Total amount of the loan 14.000 EUR 14.000 EUR
Repayment period 120 months 120 months
Monthly installment 151,59 EUR 140,42 EUR
Annual interest rate 3-month Euribor + 1,75 % 3,80 %
Approval costs 0 EUR 0 EUR
Loan costs 332,88 EUR 308,35 EUR
Account management costs 5,80 EUR monthly 5,80 EUR monthly
Total cost of the loan 5.471,79 EUR 3.862,90 EUR
Total amount to be paid 19.471,79 EUR 17.862,90 EUR
Effective interest rate (EOM) 7,05 % 5,26 %

The calculation is informative and prepared on 24.06.2024. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

 

 
Sustainable consumer loan
 
Sustainable consumer loan
 
Total amount of the loan 15.000 EUR
Repayment period 60 months
Monthly installment 293,49 EUR
Annual interest rate 6,50 %
Approval costs 0 EUR
Form of insurance No insurance
Account management costs 5,80 EUR monthly
Total cost of the loan 2.957,55 EUR
Total amount to be paid 17.957,55 EUR
Effective interest rate (EOM) 7,57 %

The calculation is informative and prepared on 28.11.2023. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

 

 

Are you interested in a sustainable loan? The conclusion is simple.

 
 
otp banka

With just one call

 
Click on I am interested, submit your information and we will contact you as soon as possible.

I AM INTERESTED IN A SUSTAINABLE CONSUMER LOAN  
  delimiter
I AM INTERESTED IN A SUSTAINABLE LOAN

Contact us and we will help you find the best solution for you.
otp banka 080 17 70
 
otp banka

IN THE BRANCH


We are the most accessible bank with the widest network that enables you to conclude the green loan and meet your banking demands across the whole country.
 
GENERAL INFORMATION
WHAT DO YOU NEED FOR A HOUSING LOAN?
  • The condition for the loan approval is a regular monthly inflow to the personal account or a receipt of inflows from the borrower of another bank.
  • Pensioners must submit the last original ZPIZ notice..
 

Our existing customers


New customers


WHAT DO YOU NEED FOR A CONSUMER LOAN?
 

Our existing customers


New customers




The bank does not offer consumer loans in foreign currency and consumer loans for real estate in foreign currency, as defined by the Consumer Credit Act (ZPotK-2).

A consumer loan in foreign currency is a loan that is calculated in the currency of: 
  • which is not the currency in which the consumer receives income at the time of creditworthiness assessment or has funds from which the loan will be repaid, or
  • which is not the currency of the Member State in which the consumer has his permanent residence at the time of concluding the loan agreement.
INTEREST RATES
Fixed interest rate: The interest rate does not change during the term of the loan, which means that the customer pays the same amount every month and thus knows with certainty the total interest that he will pay during the term of the loan.

Variable interest rate: The interest rate is variable and is equal to the sum of the reference interest rate 6M EURIBOR and the fixed interest margin.

In case the EURIBOR would be less than 0.00%, for the period when the EURIBOR is lower than 0.00%, the bank applies and calculates the contractual interest at the reference interest rate EURIBOR 0.00%, increased by the surcharge.


How EURIBOR affects the monthly annuity during the variable interest rate period depends on the value of EURIBOR and the repayment phase of the loan.

STANOVANJSKI KREDIT
 


Kredit NAPREJ
 
 
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