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    Loan refinancing

    If you already have a personal loan with another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing at BT.

    Good to know 

    For fixed-rate loans:

    You have ZERO analysis fee up to and including December 31. 

    You can get a reduced cost, from 6.49% to 17.20% if you opt to refinance, cash the proceeds into your BT account and add life and unemployment insurance. Otherwise, interest is fixed for the whole period and ranges from 10.25% to 18.50%.


    For variable-rate loans:

    You get a lower monthly payment by refinancing "balance on balance", i.e. without any additional amount, a loan granted before 8 July 2020 by another bank. 

    We'll take care of the calculations, you just need to know that:

    • The maximum lending period is 10 years for loans secured by chattel mortgages
    • Maximum value of 250,000 lei

    Want to know more? Fill out the form below or come on to any BT. 😊

    Apply for refinancing

    Fill out the form to apply for credit or find out how much you can take. After that, we'll call you to discuss more.

    In order to take advantage of the promotional offers, you need to visit a BT branch by December 31.

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    Representative examples

    • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
    Loan amount
    43.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 9.50%
    Monthly instalment
    Starting from 1.057 lei
    AER (Annual Percentage Rate of Charge)
    11,38%
    TOTAL COST OF THE LOAN
    11.674 lei
    TOTAL AMOUNT OF PAYMENT
    54.674 lei

    *The cost of insurance, included in the total cost of the loan, is 1,204 lei.

    • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (equal instalments)
    Loan amount
    43.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 9.50%
    Monthly instalment
    903 lei
    AER (Annual Percentage Rate of Charge)
    11,28%
    TOTAL COST OF THE LOAN
    12.476 lei
    TOTAL AMOUNT OF PAYMENT
    55.476 lei

    * The insurance cost, included in the total cost of the loan, is 1,204 lei.

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    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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