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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 for the amount borrowed.

    • mPatient loan without real estate mortgage
    Interest in lei
    12,74%* (IRCC + 6.75pp)
    Interest in euro
    9,61%* (EURIBOR6M + 6.50pp)

    • mPatient Loan secured by real estate mortgage
    Interest in lei
    10,24%* (IRCC + 4.25pp)
    Interest in euro
    8,61%* (EURIBOR6M + 5.50pp)

    * The interest rate consists of the bank's fixed margin plus the ircc or euribor reference index at 6 months and varies depending on the evolution of the reference index and the exchange rate. The interest 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
    File analysis
    200 lei / 50 euro for the Patient loan without mortgage,
    400 lei / 100 euro for the Patient loan secured by a mortgage
    One-off fee for services provided on request
    50 lei / service, for the Patient credit without mortgage,
    100 lei for the Patient loan secured by a mortgage
    Annual credit management fee
    zero lei for the Patient loan without mortgage,
    100 lei for the loan Patient in lei with mortgage,
    zero lei for the Patient loan in euros with a mortgage
    Advance refund fee
    zero lei
    Compulsory real estate insurance
    You can do it right with us, without any other trips to the bank
    Real estate valuation fee
    500 lei for apartment / 750 lei for house, villa, land and construction
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87,60 lei for each guarantee

    Representative examples

    • mPatient Loan without mortgage (decreasing rates)
    Loan amount
    43.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12.74%* (IRCC + 6.75pp)
    Monthly instalment
    Starting from 815 lei
    AER (Annual Percentage Rate of Charge)
    13,67%
    TOTAL COST OF THE LOAN
    27.907 lei
    TOTAL AMOUNT OF PAYMENT
    70.907 lei

    • mPatient Loan without mortgage (equal instalments)
    Loan amount
    43.000 lei
    Duration
    10 years (120 monthly installments)
    Interest
    variable 12.74%* (IRCC + 6.75pp)
    Monthly instalment
    635 lei
    AER (Annual Percentage Rate of Charge)
    13,65%
    TOTAL COST OF THE LOAN
    33.543 lei
    TOTAL AMOUNT OF PAYMENT
    76.543 lei

    • mPatient loan with real estate mortgage (decreasing rates)
    Loan amount
    120.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 10.24%* (IRCC + 4.25pp)
    Monthly instalment
    Starting from 1.357 lei
    AER (Annual Percentage Rate of Charge)
    11,01%
    TOTAL COST OF THE LOAN
    188.896 lei
    TOTAL AMOUNT OF PAYMENT
    308.896 lei

    • mPatient loan with mortgage (equal instalments)
    Loan amount
    120.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 10.24%* (IRCC + 4.25pp)
    Monthly instalment
    1.074 lei
    AER (Annual Percentage Rate of Charge)
    10,96%
    TOTAL COST OF THE LOAN
    270.857 lei
    TOTAL AMOUNT OF PAYMENT
    390.857 lei

    * In the case of patient loans 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.

    Credit interest rate benchmarks

    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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    Search suggestions
    Powered by Azure OpenAI GPT4
    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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