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Explanatory guide for credit terms
Refinancing loan needs
Loan refinancing
If you already have a personal loan with another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing at BT.
Good to know
The interest rate is fixed throughout the period and ranges from 10.75% to 19.00%. You can get a reduced cost from 8.90% to 18.50% if you opt for refinancing, cash in your BT account and add a life and unemployment insurance policy.
How do you get a lower monthly rate? By refinancing "balance on balance", i.e. with no additional amount, a loan granted before 8 July 2020 by another bank.
We'll take care of the calculations, you just need to know that:
Want to know more? Fill out the form below or come on to any BT. 😊
Representative examples
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 12.20%
Monthly instalment
1,154 lei
AER (Annual Percentage Rate of Charge)
14,71%
TOTAL COST OF THE LOAN
14,825 lei
TOTAL AMOUNT OF PAYMENT
57,825 lei
*The cost of insurance, included in the total cost of the loan, is 1,204 lei.
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 12.20%
Monthly instalment
961 lei
AER (Annual Percentage Rate of Charge)
14,57%
TOTAL COST OF THE LOAN
16,143 lei
TOTAL AMOUNT OF PAYMENT
59,143 lei
* The insurance cost, included in the total cost of the loan, is 1,204 lei.
