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  • High waiting time!

    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT or BT Visual Help.

  • 0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.

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    Credit in brief

    • mCan be with mortgage or without
    • mMaximum amount: EUR 20,000 (or the equivalent in lei) at the date of approval in the case of loans secured by a chattel mortgage and EUR 50,000 (or the equivalent in lei) in the case of loans secured by a real estate mortgage
    • mAvailable in lei and euro
    • mZero advance
    • mGrant period: maximum 30 years
    • mTotal grace period: maximum 6 months (on loans secured by real estate)
    • f

    Types of loans

    • Patient Loan without mortgage (10 years, up to 20,000 euros or equivalent in lei)

    • Patient Loan secured by a mortgage on real estate (for a term of 30 years, up to 50,000 euros or the equivalent in lei)

    The destination of the loan

    Health must always come first. We hope you never need this loan, but if it still happens, we are ready to offer you the following:

    • money for medical care, including medication treatments for you or your first and second degree relatives
    • an amount of up to 50,000 euro (or RON equivalent) - for a loan secured by a mortgage on real estate
    • long credit period - maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral
    • zero early repayment fee

    Loan Simulator

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    Currency of the loan

    Lei

    Years

    Interest type

    With real estate mortgage?

    Rate

    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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    As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.