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Call Center
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  • 0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
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    Credit in brief

    • mLoan in lei
    • mMinimum down payment: 40% of the investment value
    • mMaximum period of award: 10 years
    • mMaximum amount borrowed: 250,000 lei
    • f
    • f

    How much can you borrow?

    To apply for a credit or simply to find out how much you can get, fill in the form below. We will call you back within the timeframe of your choice.

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    Simulate a loan
    How much do you want to borrow?
    MONTHLY INSTALLMENT
    72 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 simulator settings.

    See due date

    The most accessed loans

    Current needs loans for real estate, with 12.16%* (IRCC + 6.50pp) variable interest if you cash your BT income.

    Amount of credit
    50.000 lei
    Amount of credit
    80.000 lei
    Duration
    10 years (120 monthly installments)
    Duration
    10 years (120 monthly installments)
    Annual effective interest rate
    12.98%
    Annual effective interest rate
    12.94%
    First installment
    722 lei
    First installment
    1.155 lei
    Total amount to be paid
    86.926 lei
    Total amount to be paid
    138.909 lei
    I want another calculation

    * The examples above are variable interest loans, calculated for people who collect their salary at BT.

    As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.