Introductory fixed interest rate for the first 2 years starting at 4.99%. Full costs.
Stability for 2 or 3 years for introductory fixed-rate loans.
The duration of the loan can be up to 30 years.
Lower interest if you cash your income with BT.
You get 2,000 lei voucher for notary fees if you refinance from other banks. T&Cs apply.
You can take out a loan with a co-borrower to access the amount you need.
Mortgage credit
July 5, 2026
LEI
5,950.00 LEI
30 years
5.09
Fixed for the first 2 years, then variable
13.26%
32 LEI / month
20,327 LEI
The figures presented are for information purposes only and do not represent the final offer from BT.
The amount of the monthly rate also depends on the parameters chosen for the calculation (return period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION FOR MORTGAGE LOANS
Sometimes the hard days come, and for times like these it's good to be protected. Take out compulsory PAD and optional (Groupama) home insurance, so you can stay at home.
Activate Metropolitan's life insurance for the unexpected. You get up to one month free.
Refinance your mortgage with BT
If you already have a home loan with another bank, you can enjoy great terms and a lower monthly payment by refinancing with BT.
MORTGAGE LOAN CONDITIONS
- An advance of at least 15% for credit in lei and at least 20% for credit in euro
- Salary, pension or other stable income for at least 3 months
- Good payment behavior
- Fulfilling the eligibility criteria for each type of credit
FIND OUT WHICH MORTGAGE IS RIGHT FOR YOU
The apartment of your dreams, a spacious home or an eco-friendly building. See the features of each type of home loan and choose the one that's right for you, depending on your plans.
Banking 360°
BT Pay makes managing your home loan super simple. With your repayment schedule always at your fingertips, you can quickly see your installments, interest rate and the date of your next payment.
Repayment schedule
See it in real time and download it when you need it.
Keep track of payments
See your installments, interest rate and the date of your next installment.
Mortgage Loan Pre-approval
You started house hunting? Great. If you choose a variable-rate mortgage, you can benefit from financial pre-approval for 45 days, during which you can look for your dream home in peace, because you get the loan with the interest rates and fees valid at the time of validating your application.
RAPID HELP
Life insurance provides peace of mind and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, and the loan can be paid off in full or in part in such situations.
This is a significant source of support that comes with:
- Safety
- Family Protection
- Flexibility (optional, but useful)
- Coverage for major risks
Yes. If the home has an A-class energy certificate, you can qualify for a better interest rate and preferential terms.
It’s our way of promoting energy-efficient homes and helping you choose a more environmentally friendly property.
Of course. You can repay the loan at any time, either in part or in full. If you have a variable interest rate, there is no fee. For fixed-rate loans, there is a small fee set by law.
It’s good to know that you have the flexibility to shorten the payment period or reduce the payment amount when your budget allows.
Yes, the appraisal is necessary for your safety and that of the bank. The cost is borne by the customer and is paid directly to the authorized appraiser.
The price varies depending on the type of property, and the consultant can show you the available options.
The loan amount depends on your eligibility, income, debt-to-income ratio, and the value of the property used as collateral.
The amount financed may be up to a maximum of 85% of the value of the property used as collateral for loans in RON and up to 80% for loans in EUR, depending on the purpose of the purchase, the type of property used as collateral, and whether the borrower owns other properties.
The IRCC is an index established by the National Bank of Romania (BNR) and updated quarterly. It applies only to variable-rate loans: if the IRCC rises, your interest rate goes up; if it falls, your interest rate goes down.
For example, an IRCC of 5.5% plus the bank’s margin of 1.9% results in a total interest rate of 7.4%. You can find the current IRCC rate on the NBR website.
The procedure is simple, the conditions are minimal and the documentation is easy to fill in! 😃
To apply for a loan from Banca Transilvania, you must meet several eligibility criteria:
- have a steady income from wages, pensions, or other sources for at least 3 months;
- to have a good payment history;
- meet the requirements for each type of loan;
You must have a down payment of at least 15% for a loan in lei and at least 20% for a loan in euros.
The maximum age limit depends on the type of loan. Generally, pension income is accepted, and the loan term is set so that you will be within the accepted age limit by the end of the term.
Important: Product classification and loan maturity are determined based on the eligibility criteria set forth in Banca Transilvania’s internal regulations. We review each case individually to find the option that best suits your situation.
Yes, you can, if you choose a mortgage-backed loan.
You must be a Romanian citizen and have income from permanent employment contracts abroad that have been in effect 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. 😃
For a mortgage, a down payment is required:
- at least 15% for loans in lei
- and at least 20% for loans in euros
There is no zero-down payment option for purchasing a home.
If you don't have the necessary down payment right now, one of our colleagues at the branch can help you explore your options.
Yes. You can take out the loan together with another person, even if you are not related, as long as both of you meet the eligibility criteria.
You have the option of taking out a loan together with your spouse, children, siblings, brothers-in-law and sisters-in-law, your spouse’s parents, and your life partner.
Yes. You must have a down payment of at least 15% for a loan in lei and at least 20% for a loan in euros.
The deposit must be paid in cash or transferred to the account at Banca Transilvania, or proof of payment may be provided in the form of a bank statement or a payment order.
Yes. When applying for a loan, your partner, spouse, children, siblings, in-laws, and/or your parents or your spouse’s parents can assist you, provided they meet the eligibility requirements.
BT accepts a wide range of income sources, as long as they are regular and can be verified. In addition to salary income, the following are eligible:
- pensions;
- rents;
- dividends;
- self-employment (sole proprietorships, independent professionals, etc.);
- daily allowances;
- life annuities;
- intellectual property rights;
salary income earned abroad, etc. The important thing is that the income be stable and properly documented.
Yes, as long as your debt-to-income ratio remains within legal limits and your income allows you to make a new payment. We review each situation to see what options are available to you.
The process takes several weeks from the time the complete application is submitted, including the credit review, property appraisal, approval, and signing at the notary's office.
If the documents are complete and accurate from the start, the process can be faster. A BT consultant can give you a more precise estimate of the timeframe based on your situation.
- Online simulation or in the facility
- Consultation with a specialist
- Submission of documents
- Case review
- Property appraisal
- Final approval
- Signing the contract at the notary's office
- Provision of the funds
Yes. You can get a pre-approval that gives you an estimate of how much you can borrow, so you can look for homes that fit your budget.
It's a great way to feel confident when you go to viewings.
If you have applied for a 100% online personal loan 100% online, check the status in BT Pay.
For mortgage loans, your relationship manager will provide you with updates whenever you need them.
Refinancing is the process of applying for a new loan to pay off your existing loan or loans early and, possibly, have some money left over. 😊
Refinancing is recommended when:
➤⠀results in a significant reduction in costs, either through a more favorable price or through the option to request a longer loan term;
➤⠀You want to consolidate multiple loans into a single loan so that you have a single monthly payment that is lower than the total of all your previous monthly payments.
Refinancing a mortgage means replacing your existing loan with a new one, taken out either from the same bank or from a different bank, under terms that are more favorable to you.
Our colleagues at BT agencies can help you with both the details you need and a personalized quote.
Refinancing a mortgage loan with BT can offer several real benefits. In short, you can enjoy:
- Competitive interest rates that can help you lower your monthly payment
- You can change the type of interest rate—you can switch from a variable rate to a fixed rate for a certain period of time, or vice versa
- You can change the credit period
- You have access to digital services—you can easily manage your loans from the app.
To begin the process of refinancing your mortgage with BT, you will generally need:
- Identity document
- Documents Related to Income Earned
- Documents related to the loan you are applying to refinance—e.g., loan agreement, repayment schedule, refinancing application, etc.
- Documents related to the property to be provided as collateral
We recommend that you request, at at any Transilvania Bank branchfor a complete list of the documents required to obtain a loan (tailored to your profile, the purpose of the loan, and the type of property used as collateral).
The cost of refinancing a mortgage depends on several factors (the bank, the type of loan, the outstanding balance, and whether or not you’re refinancing with the same bank). You should keep the following in mind:
- Application Review Committee
- Cost of the evaluation report
- Notary Fees
- Property Insurance
- Early repayment fee – for variable-rate mortgage loans, this fee is 0%, in accordance with current legislation
- Other operating expenses – e.g., conditional payment order
Colleagues from units can provide you with more information, depending on your situation.
Your payment history is important when applying for a loan.
A good payment history is one of BT's requirements for granting a mortgage.
❗ We recommend that you have an open discussion with a BT consultant about your financial history to find the best solution.
Of course! 😊 BT offers you the option to refinance a mortgage loan you took out with Banca Transilvania.
We look forward to seeing you at a BT branch to speak with one of our team members so you can make the best decision for yourself.
You can refinance your loan whenever you want. 😊
❗ Our colleagues at BT locations can help you with a personalized offer so you can make the right decision.
Yes, it is possible to refinance a loan in euros (EUR) with a new loan in lei (RON) or vice versa, depending on your financial situation and preferences. BT offers mortgage loans in both lei and euros.
❗ Our colleagues at BT locations can help you with a personalized offer so you can make the right decision.
Upon refinancing, the existing mortgage (registered in favor of the current bank) is discharged, and a new mortgage is registered in favor of Banca Transilvania. This procedure is carried out through a notary and involves notary and land registry fees.
The process is handled mostly by your BT advisor, but you will need to be present at the notary's office to sign the documents.
Yes. The refinanced loan can be taken out either with the same co-borrower as on the original loan or with a different co-borrower, depending on your current situation.
If your financial situation has improved, you may be able to refinance even without a co-borrower.
Additionally, if the original loan was taken out jointly with a partner and changes such as divorce or separation have occurred in the meantime, refinancing may be a solution for transferring the loan to a single borrower.
The choice is yours 😊
In a mortgage agreement, you can choose between a fixed interest rate for a certain period followed by a variable rate (only for mortgages denominated in lei), or a variable rate for the entire term of the agreement.
- Variable Interest Rate: The interest rate is determined based on the IRCC/EURIBOR reference indices, plus a fixed margin. In this case, throughout the term of the loan agreement, the loan payments will fluctuate depending on changes in the aforementioned reference indices, with adjustments made quarterly;
- Fixed introductory rate, subsequently variable (only for real estate loans granted in LEI): The interest rate remains unchanged for a certain period of time; then, upon expiration of this period, the interest rate becomes variable and is determined based on the IRCC reference index, plus the bank’s fixed margin.
Your BT consultant can explain the differences between the options and help you make the best decision.
WHY PUT OFF WHAT YOU WANT?
With a BT mortgage, your home can come together faster than you think. Whether you're buying your first home or moving to a bigger place, you have our support from the first step. Clear terms, great interest rates and advice you can understand.
