Lower costs
Reduce your energy, water, or daily operating costs.
Smart investments
You finance projects that generate savings or income over time.
Flexibility
You have credit periods tailored to your investment.
Easy to manage
Everything is simple, with clear visibility of your credit at any time.
Choose the RIGHT GREEN LOAN
See what type of sustainable credit best suits your business plan.
green energy
You produce your own energy and reduce your dependence on the market. Investments such as: photovoltaic parks, installations for self-consumption, or storage systems.
Energy efficiency
Lower consumption, better controlled costs. Investments such as: lighting, heating, air conditioning, insulation, and energy-efficient building or equipment upgrades.
Sustainable agriculture
We support Minimum Till, No Till production Investments such as: agricultural machinery and irrigation, smart technologies (GPS, drones, weather stations) or energy solutions for farms.
Water and waste
Use resources more intelligently Investments such as: technologies for water treatment and efficiency, recycling, compaction, Waste to Energy, or pellet and briquette production.
Good to know
We tailor financing to the type of investment You have flexible repayment periods You have the option of a grace period You can contribute your own resources and guarantees, depending on the project.
Your credit, under control
Keep track of payments
See how much you have paid off your loan, view your installments, interest, and the date
of your next installment.Repayment schedule
See it in real time and download it when you need it.
Transaction history
You have access to all the information about your credit: how much you have paid, the date you took it out, the amount, the amount outstanding, the date your credit ends.
Early repayment
If you have administrator rights, you can initiate the early full refund process directly from the app.
RAPID HELP
Yes, you can, if you opt for a mortgage-backed loan. 😉
You just need to have income from employment contracts carried out abroad for at least one year. 📆
❗⠀If you are considering taking out a loan:
➤⠀You can calculate your monthly payments online using the the BT loan simulator;
➤⠀and then you find out by phone if you qualify for the desired amount. 😃
Yes! In this case, you benefit from preferential interest rates and fees on personal loans. 😎
For more details we are waiting for you in any BT unit.
❗⠀If you are considering taking out a loan:
➤⠀You can calculate your monthly payments online using the the BT loan simulator;
➤⠀and then you find out by phone if you qualify for the desired amount. 😃
In short, a mortgage can be secured by a mortgage on any real estate - whether owned by the borrower or by third parties. By contrast, a mortgage loan must be secured by a mortgage on the property for which the loan has been granted, even if other properties are also pledged as collateral.
What is a mortgage loan?
A mortgage loan is a loan for the purchase, construction or renovation (modernization) of a dwelling. This type of loan may also be secured on another dwelling, which may be owned by the borrower or by other persons. 🏡
What is a mortgage loan?
A mortgage loan is a loan for the purchase, construction or renovation (modernization) of a dwelling, which is secured at least by a mortgage on the property financed by the loan.
To take out a loan from Banca Transilvania, you need to meet several eligibility criteria:
- You have been earning wages, pensions or other stable income for at least 3 months
- Good payment behavior
- Meet the necessary conditions for each type of credit
- Have a minimum down payment of 15% for credit in lei and 20% for credit in euro
The amount representing the advance payment must be deposited in cash or transferred to the account of Banca Transilvania, or proof can be provided by a bank statement or payment order.
It is good to bear in mind that, in the case of a variable interest rate, it will be updated and modified by the bank on a quarterly basis, according to the specific monetary index. Changes in the reference index and fluctuations in income can affect your ability to repay your installments or the total amount you have to pay.
WHY PUT OFF WHAT YOU WANT?
We know that not every investment is easy to make. BT green loans are here to give you the space to make the right decision at the right time. With tailored financing, clear terms, and solutions that really help both the environment and your business.
