COMPARE
NEED LOANS
Lei/Euro
Lei/Euro
Lei
Lei/Euro
Lei/Euro
Lei/Euro
Lei/Euro
Lei/Euro
Lei
Lei/Euro
Lei/Euro
Lei/Euro
Up to 5 years.
Up to 5 years.
Up to 10 years.
Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Up to 2 years for the Work and Travel program, up to 10 years for mortgages and up to 20 years for mortgages.
From 12 to 60 months.
Up to 5 years.
Up to 5 years.
Up to 10 years.
Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Up to 2 years for the Work and Travel program, up to 10 years for mortgages and up to 20 years for mortgages.
From 12 to 60 months.
Refinancing a loan from another bank brings you a lower interest rate.
The solution for financing high-value purchases, without mentioning where the money goes.
You don't have to bring the real estate as collateral.
Long credit period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for further training/specialization or financial support for the Work&Travel program.
You can configure the financing parameters via down payment/value residual. You get a complete package: financing, favorable insurance and the logistics of registering the car.
Refinancing a loan from another bank brings you a lower interest rate.
The solution for financing high-value purchases, without mentioning where the money goes.
You don't have to bring the real estate as collateral.
Long credit period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for further training/specialization or financial support for the Work&Travel program.
You can configure the financing parameters via down payment/value residual. You get a complete package: financing, favorable insurance and the logistics of registering the car.
For all your dreams and needs.
To finance high-value purchases.
You purchase, build, expand, arrange or complete your home. And it's also true for land.
For medical care, including drug treatments.
- Financing of tuition fees and other specific expenses involved in studies, specialization or qualification courses.
- Work&Travel: financing of expenses related to the application fee, other fees (SEVIS fee, consular fee, etc.), airfare, out-of-pocket expenses: maximum 15% of the loan amount)
For the purchase of a new or used vehicle, not older than 10 years at the time of the lease end.
For all your dreams and needs.
To finance high-value purchases.
You purchase, build, expand, arrange or complete your home. And it's also true for land.
For medical care, including drug treatments.
- Financing of tuition fees and other specific expenses involved in studies, specialization or qualification courses.
- Work&Travel: financing of expenses related to the application fee, other fees (SEVIS fee, consular fee, etc.), airfare, out-of-pocket expenses: maximum 15% of the loan amount)
For the purchase of a new or used vehicle, not older than 10 years at the time of the lease end.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
You have no arrears on other loans, Romanian citizenship and a good payment behavior.
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
The credit holder can be:
- The beneficiary of the loan, if he/she earns income;
- The beneficiary's parents or legal guardian if the beneficiary has no income.
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
Permanent income (wages, pensions, rents, dividends, other recurring income).
The credit holder can be:
- The beneficiary of the loan, if he/she earns income;
- The beneficiary's parents or legal guardian if the beneficiary has no income.
Permanent income (wages, pensions, rents, dividends, other recurring income).
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.
Minimum 3 months.
Loans in lei with income collection at BT:
- between 6.49% and 17.20% fixed interest
- 13,06%* (IRCC + 7.00pp) variable interest for loans without life and unemployment insurance
- 12,56%* (IRCC + 6.50pp) variable interest for loans with life and unemployment insurance
No-income lei loans with BT:
- between 10.25% and 18.50% fixed interest
- 13,31%* (IRCC + 7.25pp) variable interest for loans without life and unemployment insurance
- 12,81%* (IRCC + 6.75pp) variable interest for loans with life and unemployment insurance
Loans in euro:
- 8,60%* (EURIBOR6M + 6.50pp) variable interest for loans without life and unemployment insurance
- 8,10%* (EURIBOR6M + 6.00pp) variable interest for loans with life and unemployment insurance
Income encashment loans with BT:
- 10,81%* (IRCC + 4.75pp) for loans in lei, variable interest rate
- 7,35%* (EURIBOR6M + 5.25pp) for loans in euro, variable interest rate
Non-income-charging loans with BT:
- 11,31%* (IRCC + 5.25pp) for loans in lei, variable interest rate
- 7,60%* (EURIBOR6M + 5.50pp) for loans in euro, variable interest rate
Income encashment loans with BT:
- 12,56%* (IRCC + 6,50pp) variable interest for loans in lei
Non-income-charging loans with BT:
- 13,56%* (IRCC + 7,50pp) variable interest for loans in lei
Home mortgage loans:
- 10,31%* (IRCC + 4.25pp) variable interest, for loans in RON
- 7,60%* (EURIBOR6M + 5.50pp) variable interest rate for loans in euro
Loans without a mortgage:
- 12,81%* (IRCC + 6.75pp) variable interest, for loans in RON
- 8,60%* (EURIBOR6M + 6.50pp) variable interest rate, for loans in euro
Income charge loans with BT and chattel mortgage up to 10 years:
- 13.81%* (IRCC + 7.75pp) variable interest in lei
- 9.10%* (EURIBOR6M + 7.00pp) variable interest in euro
No income charge loans from BT and with a chattel mortgage up to 10 years:
- 14.81%* (IRCC + 8.75pp) variable interest in lei
- 10.10%* (EURIBOR6M + 8.00pp) variable interest in euro
No-income loans with BT and home mortgages up to 20 years:
- 10.06%* (IRCC + 4.00pp) variable interest in lei
- 8.60%* (EURIBOR6M + 6.50pp) variable interest in euro
Work&Travel income encashment loans with BT:
- 9.00% fixed interest in lei
- 8.00% fixed interest in euro
No-charge loans from BT through the Work&Travel program:
- 10.00% fixed interest in lei
- 9.00% fixed interest in euro
- 10.50% fixed interest throughout the loan period
Loans in lei with income collection at BT:
- between 6.49% and 17.20% fixed interest
- 13,06%* (IRCC + 7.00pp) variable interest for loans without life and unemployment insurance
- 12,56%* (IRCC + 6.50pp) variable interest for loans with life and unemployment insurance
No-income lei loans with BT:
- between 10.25% and 18.50% fixed interest
- 13,31%* (IRCC + 7.25pp) variable interest for loans without life and unemployment insurance
- 12,81%* (IRCC + 6.75pp) variable interest for loans with life and unemployment insurance
Loans in euro:
- 8,60%* (EURIBOR6M + 6.50pp) variable interest for loans without life and unemployment insurance
- 8,10%* (EURIBOR6M + 6.00pp) variable interest for loans with life and unemployment insurance
Income encashment loans with BT:
- 10,81%* (IRCC + 4.75pp) for loans in lei, variable interest rate
- 7,35%* (EURIBOR6M + 5.25pp) for loans in euro, variable interest rate
Non-income-charging loans with BT:
- 11,31%* (IRCC + 5.25pp) for loans in lei, variable interest rate
- 7,60%* (EURIBOR6M + 5.50pp) for loans in euro, variable interest rate
Income encashment loans with BT:
- 12,56%* (IRCC + 6,50pp) variable interest for loans in lei
Non-income-charging loans with BT:
- 13,56%* (IRCC + 7,50pp) variable interest for loans in lei
Home mortgage loans:
- 10,31%* (IRCC + 4.25pp) variable interest, for loans in RON
- 7,60%* (EURIBOR6M + 5.50pp) variable interest rate for loans in euro
Loans without a mortgage:
- 12,81%* (IRCC + 6.75pp) variable interest, for loans in RON
- 8,60%* (EURIBOR6M + 6.50pp) variable interest rate, for loans in euro
Income charge loans with BT and chattel mortgage up to 10 years:
- 13.81%* (IRCC + 7.75pp) variable interest in lei
- 9.10%* (EURIBOR6M + 7.00pp) variable interest in euro
No income charge loans from BT and with a chattel mortgage up to 10 years:
- 14.81%* (IRCC + 8.75pp) variable interest in lei
- 10.10%* (EURIBOR6M + 8.00pp) variable interest in euro
No-income loans with BT and home mortgages up to 20 years:
- 10.06%* (IRCC + 4.00pp) variable interest in lei
- 8.60%* (EURIBOR6M + 6.50pp) variable interest in euro
Work&Travel income encashment loans with BT:
- 9.00% fixed interest in lei
- 8.00% fixed interest in euro
No-charge loans from BT through the Work&Travel program:
- 10.00% fixed interest in lei
- 9.00% fixed interest in euro
- 10.50% fixed interest throughout the loan period
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, 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.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
The interest rate remains fixed for the duration of the lease.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, 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.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark index and varies according to the evolution of the benchmark index. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
The interest rate remains fixed for the duration of the lease.
Zero
Zero
40%
This is not the case.
Zero
- 20% for leasing in lei
- 25% for leasing in euro
Zero
Zero
40%
This is not the case.
Zero
- 20% for leasing in lei
- 25% for leasing in euro
250.000 lei or the equivalent in euro
1.200.000 lei or the equivalent in euro
250.000 lei
250.000 lei or the equivalent in euro
- 3.500 euro (or RON equivalent) for the Work&Travel program;
- 20.000 euro (or RON equivalent) for student loans with collateral;
- 150.000 euro (or RON equivalent) for student loans with real estate collateral.
The maximum amount is limited only by the value of the leased car.
250.000 lei or the equivalent in euro
1.200.000 lei or the equivalent in euro
250.000 lei
250.000 lei or the equivalent in euro
- 3.500 euro (or RON equivalent) for the Work&Travel program;
- 20.000 euro (or RON equivalent) for student loans with collateral;
- 150.000 euro (or RON equivalent) for student loans with real estate collateral.
The maximum amount is limited only by the value of the leased car.
Fees and commissions
200 lei or 50 euro
500 lei or 100 euro
200 lei
200 lei/50 euro, credit without mortgage 500 lei/100 euro, credit with mortgage
200 lei/50 euro, loans up to 10 years with chattel mortgage 500 lei/100 euro, loans up to 20 years with real estate mortgage
2,975 lei/595 euro VAT included, only if the lease contract is signed.
200 lei or 50 euro
500 lei or 100 euro
200 lei
200 lei/50 euro, credit without mortgage 500 lei/100 euro, credit with mortgage
200 lei/50 euro, loans up to 10 years with chattel mortgage 500 lei/100 euro, loans up to 20 years with real estate mortgage
2,975 lei/595 euro VAT included, only if the lease contract is signed.
0 lei
150 lei/year
0 lei
100 lei for credit in lei with a mortgage, otherwise free of charge
0 lei/0 euro, loans up to 10 years with chattel mortgage 150 lei, loans up to 20 years with real estate mortgage
59.50 lei/11.9 euro incl. VAT/month
0 lei
150 lei/year
0 lei
100 lei for credit in lei with a mortgage, otherwise free of charge
0 lei/0 euro, loans up to 10 years with chattel mortgage 150 lei, loans up to 20 years with real estate mortgage
59.50 lei/11.9 euro incl. VAT/month
50 lei/service
100 lei/service
50 lei/service
50 lei/service for credit without mortgage 100 lei/service for credit with mortgage
50 lei/service
238 lei VAT included/service
50 lei/service
100 lei/service
50 lei/service
50 lei/service for credit without mortgage 100 lei/service for credit with mortgage
50 lei/service
238 lei VAT included/service
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
1130,5 lei/226,10 euro, including VAT logistic service fee
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
88,40 lei/guarantee
1130,5 lei/226,10 euro, including VAT logistic service fee
2.80% of the amount of the loan, in case of taking out Metropolitan life and unemployment/hospitalization insurance; to be paid in one installment, when the loan is granted (from own sources or from credit)
0.12% of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
0.12% of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
0.12% of the value of the real estate pledged as collateral in the case of a Groupama optional policy taken out exclusively with BT units, in the case of a mortgage loan
2.80% of the amount of the loan, in case of taking out Metropolitan life and unemployment/hospitalization insurance; to be paid in one installment, when the loan is granted (from own sources or from credit)
0.12% of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
0.12% of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
0.12% of the value of the real estate pledged as collateral in the case of a Groupama optional policy taken out exclusively with BT units, in the case of a mortgage loan
0 lei for variable interest loans 0.5% of the amount repaid if the repayment is made less than 12 months before the due date or 1% otherwise for fixed-interest loans
0 lei
0 lei
0 lei
0 lei, for variable interest loans 0.5% of the amount repaid, if repayment is made less than 12 months before the due date or 1% otherwise, for fixed-interest loans
0.5% of the amount repaid, if repayment is made less than 12 months before the due date or 1% otherwise
0 lei for variable interest loans 0.5% of the amount repaid if the repayment is made less than 12 months before the due date or 1% otherwise for fixed-interest loans
0 lei
0 lei
0 lei
0 lei, for variable interest loans 0.5% of the amount repaid, if repayment is made less than 12 months before the due date or 1% otherwise, for fixed-interest loans
0.5% of the amount repaid, if repayment is made less than 12 months before the due date or 1% otherwise
575 lei for apartment/860 lei for house, villa, land and buildings
575 lei for apartment/860 lei for house, villa, land and buildings
575 lei for apartment/860 lei for house, villa, land and buildings
416.50 lei/83.3 euro, VAT included (only for used cars)
575 lei for apartment/860 lei for house, villa, land and buildings
575 lei for apartment/860 lei for house, villa, land and buildings
575 lei for apartment/860 lei for house, villa, land and buildings
416.50 lei/83.3 euro, VAT included (only for used cars)
The insurance of the real estate is compulsory in the case of credit secured by a mortgage on real estate.
The insurance of the immovable property is compulsory in the case of credit secured by a mortgage on immovable property.
MTPL and CASCO car insurance are compulsory, taken out by BT Leasing and paid for by the customer.
The insurance of the real estate is compulsory in the case of credit secured by a mortgage on real estate.
The insurance of the immovable property is compulsory in the case of credit secured by a mortgage on immovable property.
MTPL and CASCO car insurance are compulsory, taken out by BT Leasing and paid for by the customer.
Documents needed
Only for credit secured by mortgage
Only for credit secured by mortgage
Only for credit secured by mortgage
Only for credit secured by mortgage
- For the purchase of real estate - pre-contract/contract of sale/purchase, building contract or award minutes, with the mention of the payment of the deposit of min. 40% (certified copy).
- For construction/finalization/extension - building permit, technical project, general estimate with utilities permits and financing plan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For modernization/renovation - estimated estimate, including works carried out no more than 6 months before applying for the loan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited on account - bank statement.
- Proforma invoice/tax invoice/debit, etc., issued by the medical institution (original or copy), specifying the amount of medical services to be financed and containing all the necessary data for payment to the account of the medical institution (name; tax code; IBAN account; beneficiary's bank; beneficiary's bank code, if applicable; amount of payment)
- Deeds of ownership of the real estate representing the collateral for the credit, in the case of loans secured by a mortgage on real estate
- Other specific documents proving the purpose of the credit
- Certificate/invoice issued by the educational establishment showing your status as a student
- Tuition fees
- Supporting documents relating to similar expenses (other than tuition fees), showing the amounts to be paid
Specific documents for Work & Travel:
- The contract concluded between the student and the work & travel program intermediation company
- Document completed and signed by the intermediary company certifying the average level of expenses related to the stay abroad
- Job offer/internship contract (signed by American/European employer)
- Air ticket
- Copy of the student's passport with US visa - later - for making available the second instalment of the credit - if applicable
- For the purchase of real estate - pre-contract/contract of sale/purchase, building contract or award minutes, with the mention of the payment of the deposit of min. 40% (certified copy).
- For construction/finalization/extension - building permit, technical project, general estimate with utilities permits and financing plan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For modernization/renovation - estimated estimate, including works carried out no more than 6 months before applying for the loan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited on account - bank statement.
- Proforma invoice/tax invoice/debit, etc., issued by the medical institution (original or copy), specifying the amount of medical services to be financed and containing all the necessary data for payment to the account of the medical institution (name; tax code; IBAN account; beneficiary's bank; beneficiary's bank code, if applicable; amount of payment)
- Deeds of ownership of the real estate representing the collateral for the credit, in the case of loans secured by a mortgage on real estate
- Other specific documents proving the purpose of the credit
- Certificate/invoice issued by the educational establishment showing your status as a student
- Tuition fees
- Supporting documents relating to similar expenses (other than tuition fees), showing the amounts to be paid
Specific documents for Work & Travel:
- The contract concluded between the student and the work & travel program intermediation company
- Document completed and signed by the intermediary company certifying the average level of expenses related to the stay abroad
- Job offer/internship contract (signed by American/European employer)
- Air ticket
- Copy of the student's passport with US visa - later - for making available the second instalment of the credit - if applicable
