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    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

    For fixed-rate loans:

    You have ZERO analysis fee up to and including February 17.

    You can get a reduced cost, from 6.49% to 17.20% if you opt to refinance, cash the proceeds into your BT account and add life and unemployment insurance. Otherwise, interest is fixed for the whole period and ranges from 10.25% to 18.50%.


    For variable-rate loans:

    You get a lower monthly payment by refinancing "balance on balance", i.e. without any 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:

    • The maximum lending period is 10 years for loans secured by chattel mortgages
    • Maximum value of 250,000 lei

    Want to know more? Fill out the form below or come on to any BT. 😊

    Apply for refinancing

    Fill out the form to apply for credit or find out how much you can take. After that, we'll call you to discuss more.

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

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    Representative examples

    • mWith fixed interest, if you receive the proceeds in a BT account and choose the credit with insurance (decreasing rates)
    Loan amount
    43.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 8.50%
    Monthly instalment
    Starting from 1.021 lei
    AER (Annual Percentage Rate of Charge)
    10,25%
    TOTAL COST OF THE LOAN
    10.581 lei
    TOTAL AMOUNT OF PAYMENT
    53.581 lei

    *The cost of insurance, 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
    43.000 lei
    Duration
    5 years (60 monthly installments)
    Interest
    fixed 8.50%
    Monthly instalment
    882 lei
    AER (Annual Percentage Rate of Charge)
    10,17%
    TOTAL COST OF THE LOAN
    11.224 lei
    TOTAL AMOUNT OF PAYMENT
    54.224 lei

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