Refinancing loan needs
WHAT DO YOU WANT TO DO?
ARE YOU ALREADY A CUSTOMER?
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 for the whole period and ranges from 10.9% to 19.00% . You can get a reduced cost from 9.75% to 18.5% if you opt for refinancing, cash the income into your BT account and add a life and unemployment insurance policy.
Refinancing the "balance on balance" (without additional amount) of a loan granted before July 8, 2020 by another bank is the easiest way to get a lower monthly installment. We deal with calculations ourselves, 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
- Valid only for variable-rate loans
Want to know more? Fill out the form below or come on to any BT. 😊
Representative example
- mWith fixed interest rate, if you receive the income in a BT account and opt for the loan with insurance
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 7.90%
Monthly instalment
870 lei
APR (Annual Percentage Rate of Charge)
9,50%
TOTAL COST OF THE LOAN
10,481 lei
TOTAL AMOUNT OF PAYMENT
53,481 lei
*The cost of insurance, included in the total cost of the loan, is 1,204 lei.
The total cost includes analysis fee 200 lei and RNPM fee 87,6 lei.
