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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 rate (fixed or variable) that applies to the amount you borrow during the lending period. 

    The fixed interest rate is between 6.49% and 18,50%and the calculation below is for information only. 

    The final offer is personalized and takes into account several elements such as: the collection of the income in the BT account, the addition of life and unemployment insurance policy, external refinancing, the history of the relationship with the bank, the payment behavior for the outstanding installments, etc. a. 

    • mI cash my income at BT

    Loan in lei

    Fixed interest rate
    between 6.49% and 17.20%
    Variable interest rate
    12,66%* (IRCC + 7.00pp)
    Variable interest with life insurance and unemployment
    12,16%* (IRCC + 6.50pp)
    • mI don't cash in my income at BT

    Loan in lei

    Fixed interest rate
    between 10.25% and 18.50%
    Variable interest rate
    12,91%* (IRCC + 7.25pp)
    Variable interest with life insurance and unemployment
    12,41%* (IRCC + 6.75pp)

    Loan in euro

    Variable interest rate
    9,07%* (EURIBOR6M + 6.50pp)
    Variable interest with life insurance and unemployment
    8,57%* (EURIBOR6M + 6.00pp)

    * In the case of variable interest loans, it 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. The interest rate 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
    Credit file analysis (for variable interest loans)
    200 lei for loans in lei or 50€ for loans in euro
    Credit file analysis (for fixed-rate loans)
    200 lei for loans in lei ZERO lei for credits in lei until February 17 inclusive
    Annual administration fee 
    zero lei
    Services offered on request
    50 lei / service
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.6 lei / guarantee
    Insurance premium
    2.80% of the loan amount, payable in a single instalment when the loan is granted (from own sources or from credit)
    Partial/full early repayment fee (for variable interest loans)
    0%
    Partial/full prepayment fee (for fixed-rate loans)
    0.5% of the amount repaid if repayment is made less than 12 months before the due date.
    1% of the amount repaid otherwise

    Representative examples

    Loans in RON

    • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
    Loan amount
    51.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 8.50%
    Monthly instalment
    Starting from 1.211 lei
    AER (Annual Percentage Rate of Charge)
    10,25%
    TOTAL COST OF THE LOAN
    12.534 lei
    TOTAL AMOUNT OF PAYMENT
    63.534 lei

    * The insurance cost, included in the total cost of the loan, is 1,204 lei.

    • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (equal instalments)
    Loan amount
    51.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 8.50%
    Monthly instalment
    1.046 lei
    AER (Annual Percentage Rate of Charge)
    10,17%
    TOTAL COST OF THE LOAN
    13.296 lei
    TOTAL AMOUNT OF PAYMENT
    64.296 lei

    * The insurance cost, included in the total cost of the loan, is 1,204 lei.


    • mWith variable interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
    Loan amount
    51.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    Starting from 1.367 lei
    AER (Annual Percentage Rate of Charge)
    14,64%
    TOTAL COST OF THE LOAN
    17.478 lei
    TOTAL AMOUNT OF PAYMENT
    68.478 lei

    * In the case of a personal loan 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.

    ** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.


    • mWith variable interest, if you receive the proceeds in a BT account and choose the credit with insurance (equal instalments)
    Loan amount
    51.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    variable 12,16%* (IRCC + 6.50pp)
    Monthly instalment
    1.139 lei
    AER (Annual Percentage Rate of Charge)
    14,49%
    TOTAL COST OF THE LOAN
    19.031 lei
    TOTAL AMOUNT OF PAYMENT
    70.031 lei

    * In the case of a personal loan 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.

    ** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.



    Loan in euro

    • mWith variable interest, without cashing the income in a BT account, if you choose for the credit with insurance (decreasing rates)
    Loan amount
    10,000 euros
    Duration
    5 years (60 monthly installments)
    Interest
    variable 8.57%* (EURIBOR6M + 6.00pp)
    Monthly instalment
    Starting from 238 euro
    AER (Annual Percentage Rate of Charge)
    10,59%
    TOTAL COST OF THE LOAN
    2.595 euro
    TOTAL AMOUNT OF PAYMENT
    12.595 euro

    * In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M 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.

    ** The cost of insurance, included in the total cost of the loan, is 280 euros.


    • mWith variable interest, without cashing the proceeds in a BT account, if you choose for credit with insurance (equal instalments)
    Loan amount
    10,000 euros
    Duration
    5 years (60 monthly installments)
    Interest
    variable 8.57%* (EURIBOR6M + 6.00pp)
    Monthly instalment
    205 euro
    AER (Annual Percentage Rate of Charge)
    10,49%
    TOTAL COST OF THE LOAN
    2.747 euro
    TOTAL AMOUNT OF PAYMENT
    12.747 euro

    * In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M 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.

    ** The cost of insurance, included in the total cost of the loan, is 280 euros.

    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.

    In order to take advantage of the promotional offers, you need to visit a BT branch by February 17.

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