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    Costs

    Interest
    7,99%* (IRCC + 2.00pp)
    Real estate valuation fee
    450 lei for apartment, 700 lei for house, villa, land and construction
    Monthly account management fee
    zero lei
    Management fee
    0.15% / year**
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.60 lei x 2 (for the collateral deposit contract opened to guarantee the interest and for the security mortgage contract on the credit balances of all the accounts opened with us)
    Home insurance
    The insurance of the home is compulsory and you can purchase it against all risks (the rights of compensation will be assigned in favour of the Romanian State, represented by the Ministry of Public Finance and Banca Transilvania).
    Collateral deposit to guarantee interest
    Cumulate 3 interest rates
    Partial/full early repayment fee
    0%

    *Variable interest is made up of our fixed margin plus the IRCC benchmark and varies according to the IRCC benchmark. The interest is updated and modified quarterly by us according to the variation of the IRCC.
    **It isdue to the FNGCIMM, charged on the balance of the State guarantee, for guarantees to be granted from 2021 onwards.

    Representative examples

    • mCredit in the amount of 280.000 lei - equal instalments
    Loan amount
    280.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    2.027 lei
    AER (Annual Percentage Rate of Charge)
    8,25%
    TOTAL COST OF THE LOAN
    454.747 lei
    TOTAL AMOUNT OF PAYMENT
    734.747 lei
    • mCredit in the amount of 280.000 lei - decreasing installments
    Loan amount
    280.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    Starting from 2.612 lei
    AER (Annual Percentage Rate of Charge)
    8,26%
    TOTAL COST OF THE LOAN
    334.839 lei
    TOTAL AMOUNT OF PAYMENT
    614.829 lei
    • mLoan of 355.000 lei - equal instalments
    Loan amount
    355,000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    2.570 lei
    AER (Annual Percentage Rate of Charge)
    8,27%
    TOTAL COST OF THE LOAN
    577.479 lei
    TOTAL AMOUNT OF PAYMENT
    932.479 lei
    • mLoan of 355.000 lei - decreasing instalments
    Loan amount
    355,000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    Starting from 3.311 lei
    AER (Annual Percentage Rate of Charge)
    8,27%
    TOTAL COST OF THE LOAN
    425.152 lei
    TOTAL AMOUNT OF PAYMENT
    780.152 lei

    *In the case of New Home loans with variable interest, this is made up of our fixed margin plus the IRCC benchmark and varies according to the latter. The interest rate will be updated and modified quarterly by us according to the IRCC variation. This change in the benchmark as well as fluctuations in income may affect the ability to pay the loan instalments or the total amount payable.

    **The EAD does not include costs charged by third parties, which are not known to BT (valuation, insurance, notary costs). You can obtain further information by visiting any BT unit.

    Credit interest rate benchmarks

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    Search suggestions
    Powered by Azure OpenAI GPT-4o
    AI Search provides automatically generated answers, using GPT-4o 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 GPT-4o 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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