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Online account directly from the app 4.8
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  • High waiting time!

    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT or BT Visual Help.

  • 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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    Quickly view your account details, call 0264 308 000 and receive an SMS with the access link.

    Costs

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

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

    • mI cash my income at BT. Or refinance the loan at another bank
    Interest in lei
    10,61%* (IRCC + 4.75pp)
    Interest in euro
    8,93%* (EURIBOR6M + 5.25pp)
    • mI don't cash in my income at BT
    Interest in lei
    11,11%* (IRCC + 5.25pp)
    Interest in euro
    9,18%* (EURIBOR6M + 5.50pp)

    * The interest rate consists of the bank's fixed margin plus the ircc or euribor reference index at 6 months and varies depending on the evolution of the reference index and the exchange rate. The interest will be updated and modified by the bank quarterly, depending on the IRCC or EURIBOR monetary index at 6 months.


    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
    Credit in lei: 400 lei
    Credit in euro: 100 euro
    Annual administration fee
    150 lei / year
    One-off fee for services provided on request
    100 lei / service
    Real estate valuation fee
    575 lei for apartment / 860 lei for house, villa, land and constructions
    Real estate insurance
    It is compulsory, we offer you the possibility to conclude the insurance without any further trips to the bank
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87,60 lei for each guarantee
    Partial/full early repayment fee 
    0%

    Representative examples

    Loans in RON

    • mIf you receive the proceeds in a BT accountor refinance the loan from another bank (decreasing rates)
    Loan amount
    100.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.61%* (IRCC + 4.75pp)
    Monthly instalment
    2.551 lei
    AER (Annual Percentage Rate of Charge)
    12,00%
    TOTAL COST OF THE LOAN
    28.780 lei
    TOTAL AMOUNT OF PAYMENT
    128.780 lei

    • mIf you receive the proceeds in a BT account or refinance the loan from another bank (equal instalments)
    Loan amount
    100.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 10.61%* (IRCC + 4.75pp)
    Monthly instalment
    2.155 lei
    AER (Annual Percentage Rate of Charge)
    11,94%
    TOTAL COST OF THE LOAN
    31.103 lei
    TOTAL AMOUNT OF PAYMENT
    131.103 lei

    • mIf you receive the proceeds in a BT account or refinance the loan from another bank (decreasing rates)
    Loan amount
    25.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 8.93%* (EURIBOR6M + 5.25pp)
    Monthly instalment
    603 euro
    AER (Annual Percentage Rate of Charge)
    11,11%
    TOTAL COST OF THE LOAN
    6.588 euro
    TOTAL AMOUNT OF PAYMENT
    31.588 euro

    • mIf you receive the proceeds in a BT account or refinance the loan from another bank (equal instalments)
    Loan amount
    25.000 euro
    Duration
    5 years (60 monthly installments)
    Interest
    variable 8.93%* (EURIBOR6M + 5.25pp)
    Monthly instalment
    518 euro
    AER (Annual Percentage Rate of Charge)
    10,99%
    TOTAL COST OF THE LOAN
    7.001 euro
    TOTAL AMOUNT OF PAYMENT
    32.001 euro

    * In the case of personal loans secured by mortgage, the variable interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6M benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index or EURIBOR 6M. The change in benchmarks as well as the fluctuation of revenues may influence the possibility of paying the loan instalments or the total amount payable.

    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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