Best way to reconcile income and expenses crediting/debiting your transaction account. The amount of the overdraft depends on the creditworthiness of the legal entity. The term of the overdraft can range from 1 to 12 months. You do not have to utilise the entire authorised overdraft, but only the amount you need. Interest is paid only on the utilised amount of the authorised overdraft, and not on the total authorised amount. Repayment of such overdraft is made from current operations, and no later than at the agreed maturity date.
Short-term loan facilities:
The two essential determinants are the loan cap and the term. Such loans can be utilised repeatedly, subject to availability of funds in the Bank. The regular interest is accrued monthly on the debt amount, and once the loan falls due.
Loans for working capital purposes
The purpose of these short-term loans is investment into the working capital. The repayment period is up to 1 year, whilst the instalment frequency is negotiable (monthly, quarterly, semi-annually...). Loan amount depends on the borrower's creditworthiness.
Loans against deposit
The main characteristic of this loan type is the speed at which the borrower can have access to the required funds. The basic precondition is a full coverage of the loan with a deposit. Loan repayment period is up to 1 year.
The website www.otpbanka.hr uses cookies. Necessary cookies are required for the website to function properly. We use other cookies for a better user experience and display of relevant ads and content. You can change the cookie settings on "Change cookie settings" and accept all or only necessary cookies. More detailed cookies information and their use.
These cookies guarantee the proper functioning of the website, enhance the user experience and collect information about the use of the website without identifying visitors.
Analytical cookies
These cookies allow for the collection of detailed information on the use of the website for analytical purposes, thus contributing to the customer-oriented development of our website.
Advertising cookies
These cookies are used for the purpose of showing you relevant offers and for targeted advertising.