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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
    13.74%* (IRCC + 7.75pp)
    Variable interest in euro
    10.11%* (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
    14.74%* (IRCC + 8.75pp)
    Variable interest in euro
    11.11%* (EURIBOR6M + 8.00pp)

    Loans granted with chattel mortgages up to 20 years.

    Variable interest in lei
    9.99%* (IRCC + 4.00pp)
    Variable interest in euro
    9.61%* (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 9.99%* (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 9.99%* (IRCC + 4.00pp)
    Monthly instalment
    Starting 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 13.74%* (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 13.74%* (IRCC + 7.75pp)
    Monthly instalment
    Starting 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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    Search suggestions
    Powered by Azure OpenAI GPT4
    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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