Example
representative
Choose the type of credit
Mortgage home loan in lei with introductory fixed interest rate for 2 years, with BT income collection (decreasing installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.09% for the first 2 years, then variable at 7.55%* (IRCC + 1.99 percentage points)
Monthly instalment
Starting at 2,106 lei
APR (Annual Percentage Rate of Charge)**
7,38%
Total cost of the loan
332.070 lei
Total amount to be paid
632.070 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
2-year introductory fixed-rate mortgage in lei, with BT income collection (equal installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.09% for the first 2 years, then variable at 7.55%* (IRCC + 1.99 percentage points)
Monthly instalment
1.627 lei
APR (Annual Percentage Rate of Charge)**
7,44%
Total cost of the loan
445.165 lei
Total amount to be paid
745.165 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
Mortgage home loan in lei with introductory fixed interest rate for 3 years, with BT income collection (decreasing installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.20% for the first 3 years, then variable at 7.66%* (IRCC + 2.10 percentage points)
Monthly instalment
Starting at 2,133 lei
APR (Annual Percentage Rate of Charge)**
7,25%
Total cost of the loan
330.259 lei
Total amount to be paid
630.258 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
3-year introductory fixed-rate mortgage in lei, with BT income collection (equal installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.20% for the first 3 years, then variable at 7.66%* (IRCC + 2.10 percentage points)
Monthly instalment
1.647 lei
APR (Annual Percentage Rate of Charge)**
7,35%
Total cost of the loan
443.900 lei
Total amount to be paid
743.900 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
Mortgage home loan in lei at variable interest, with income collection at BT (decreasing installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 8.71%* (IRCC + 3.15 percentage points)
Monthly instalment
Starting at 3,011 lei
APR (Annual Percentage Rate of Charge)**
9,20%
Total cost of the loan
398.704 lei
Total amount to be paid
698.704 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
Mortgage home loan in lei at variable interest, with BT income collection (equal installments)
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 8.71%* (IRCC + 3.15 percentage points)
Monthly instalment
2.352 lei
APR (Annual Percentage Rate of Charge)**
9,18%
Total cost of the loan
552.210 lei
Total amount to be paid
852.210 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
