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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 for the amount borrowed.

    • mI cash my income at BT
    Variable interest in lei
    13.61%* (IRCC + 7.75pp)
    Variable interest in euro
    10.68%* (EURIBOR6M + 7.00pp)

    * Loans granted with a security mortgage up to 10 years.


    • mI don't cash in my income at BT

    Loans granted with a chattel mortgage for up to 10 years.

    Variable interest in lei
    14.61%* (IRCC + 8.75pp)
    Variable interest in euro
    11.68%* (EURIBOR6M + 8.00pp)

    Loans granted with chattel mortgages up to 20 years.

    Variable interest in lei
    9.86%* (IRCC + 4.00pp)
    Variable interest in euro
    10.18%* (EURIBOR6M + 6.50pp)


    What other costs does this loan entail?

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

    Commission
    Value
    Analysis of the credit file in lei
    200 lei for mortgage loan up to 10 years
    400 lei for the mortgage loan up to 20 years
    Analysis of the credit file in euro
    50 euro for mortgage loan up to 10 years
    100 euro for mortgage loan up to 20 years
    Management fee
    0 lei for mortgage loan up to 10 years
    150 lei for the mortgage loan up to 20 years
    Services offered on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.60 lei / warranty
    Property valuation fee
    500 lei / apartment, 750 lei / house, land and constructions
    Insurance premium
    0.10% of the value of the real estate

    Work and Travel 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 charge the salary at BT
    Interest in lei
    Fixed interest rate 9.00%
    Interest in euro
    Fixed interest rate 8.00%

    • mI don't charge the salary at BT
    Interest in lei
    Fixed interest rate 10.00%
    Interest in euro
    Fixed interest rate 9.00%

    What other costs does this loan entail?

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

    Commission
    Value
    Credit file analysis
    200 lei for the loan in lei
    50 euro for the loan in euro
    Services offered on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.60 lei / warranty
    Property valuation fee
    500 lei / apartment, 750 lei / house, land and constructions
    Insurance premium
    0.10% of the value of the real estate

    Representative examples

    • mStudent loan with real estate guarantee - equal instalments
    Loan amount
    200.000 lei
    Duration of the loan
    12.50 years (150 monthly instalments)
    Interest
    variable 9.86%* (IRCC + 4.00pp)
    Monthly instalment
    2,146 lei
    AER (Annual Percentage Rate of Charge)
    10,58%
    TOTAL COST OF THE LOAN
    188,785 lei
    TOTAL AMOUNT PAYABLE
    388,785 lei
    • mStudent loan with real estate guarantee - decreasing rates
    Loan amount
    200.000 lei
    Duration of the loan
    12.50 years (150 monthly instalments)
    Interest
    variable 9.86%* (IRCC + 4.00pp)
    Monthly instalment
    From 2.772 lei
    AER (Annual Percentage Rate of Charge)
    10,60%
    TOTAL COST OF THE LOAN
    152,968 lei
    TOTAL AMOUNT PAYABLE
    352,968 lei

    • mStudent loan without mortgage guarantee - equal instalments
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 monthly installments)
    Interest
    variable 13.61%* (IRCC + 7.75pp)
    Monthly instalment
    902 lei
    AER (Annual Percentage Rate of Charge)
    14,88%
    TOTAL COST OF THE LOAN
    15,396 lei
    TOTAL AMOUNT PAYABLE
    54,396 lei

    • mUnsecured student loan - decreasing rates
    Loan amount
    39.000 lei
    Duration of the loan
    5 years (60 monthly installments)
    Interest
    variable 13.61%* (IRCC + 7.75pp)
    Monthly instalment
    From 1.095 lei
    AER (Annual Percentage Rate of Charge)
    14,90%
    TOTAL COST OF THE LOAN
    13,887 lei
    TOTAL AMOUNT PAYABLE
    52,887 lei

    * For variable interest loans, the interest rate consists of the fixed margin of the bank plus the IRCC or EURIBOR benchmark index at 6 months and varies depending on the evolution of the benchmark and exchange rate. It is important to know that the variation of the benchmark index, the fluctuation of income, as well as the change in the exchange rate can influence the possibility of paying the loan installments or the total amount of payment.

    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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