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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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    Costs

    Okay, fine, but... how much is the interest?

    It's up to you. You can choose the type of interest on the amount borrowed.

    • mI cash my income at BT
    Variable interest rate, in RON
    12,36%* (IRCC + 6.50pp)

    • mI don't cash in my income at BT
    Variable interest rate, in RON
    13,36%* (IRCC + 7.50pp)

    * In the case of variable-rate loans, it consists of the fixed margin of the bank plus the IRCC benchmark index and varies depending on the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index.

    What other costs does this loan entail?

    Because we want to have a relationship based on transparency and trust, you need to know that we have certain fees. It's normal to know them.  

    Commission
    Value
    File analysis
    200 lei
    Interest   for customerswho receive the income   in the     BT account
    12,36%* (IRCC + 6.50pp) compared to standard of 13.36%* (IRCC + 7.50pp)
    Early repayment fee
    zero lei
    One-off fee for services provided on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87,60 lei for each guarantee

    Representative examples

    Loans in RON

    • mIf you receive the income in a BT account (decreasing rates) 
    Loan amount
    50.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,36%* (IRCC + 6.50pp)
    Monthly instalment
    932 lei
    AER (Annual Percentage Rate of Charge)
    13,22%
    TOTAL COST OF THE LOAN
    31.445 lei
    TOTAL AMOUNT OF PAYMENT
    81.445 lei
    • mIf you receive the income in a BT account (equal instalments) 
    Loan amount
    50.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,36%* (IRCC + 6.50pp)
    Monthly instalment
    728 lei
    AER (Annual Percentage Rate of Charge)
    13,21%
    TOTAL COST OF THE LOAN
    37.623 lei
    TOTAL AMOUNT OF PAYMENT
    87.623 lei

    • mIf you receive your income in a BT account (decreasing rates) 
    Loan amount
    80.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,36%* (IRCC + 6.50pp)
    Monthly instalment
    1.491 lei
    AER (Annual Percentage Rate of Charge)
    13,18%
    TOTAL COST OF THE LOAN
    50.139 lei
    TOTAL AMOUNT OF PAYMENT
    130.139 lei
    • mIf you receive your income in a BT account (equal instalments) 
    Loan amount
    80.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12,36%* (IRCC + 6.50pp)
    Monthly instalment
    1,164 lei
    AER (Annual Percentage Rate of Charge)
    13,16%
    TOTAL COST OF THE LOAN
    60.025 lei
    TOTAL AMOUNT OF PAYMENT
    140.025 lei

    * In the case of current needs loans for real estate with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.

    Credit interest rate benchmarks

    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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