Introductory fixed interest rate for the first 2 years starting at 5.05%. Full costs.
Stability for 2 or 3 years for introductory fixed-rate loans.
The duration of the loan can be up to 30 years.
Lower interest if you cash your income with BT.
You get 2,000 lei voucher for notary fees if you refinance from other banks. T&Cs apply.
You can take out a loan with a co-borrower to access the amount you need.
Mortgage credit
February 15, 2026
LEI
5,950.00 LEI
30 years
5.15%
Fixed for the first 2 years, then variable
13.58
32 LEI / month
20,376 LEI
The figures presented are for information purposes only and do not represent the final offer from BT.
The amount of the monthly rate also depends on the parameters chosen for the calculation (return period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION
Sometimes the hard days come, and for times like these it's good to be protected. Take out compulsory PAD and optional (Groupama) home insurance, so you can stay at home.
Activate Metropolitan's life insurance for the unexpected. You get up to one month free.
Refinance your mortgage with BT
If you already have a home loan with another bank, you can enjoy great terms and a lower monthly payment by refinancing with BT.
MORTGAGE LOAN CONDITIONS
An advance of at least 15% for credit in lei and at least 20% for credit in euro Salary, pension or other stable income for at least 3 months Good payment behavior Fulfilling the eligibility criteria for each type of credit
SEE WHICH CREDIT
IS RIGHT FOR YOU
The apartment of your dreams, a spacious home or an eco-friendly building. See the features of each type of home loan and choose the one that's right for you, depending on your plans.
Banking 360°
BT Pay makes managing your home loan super simple. With your repayment schedule always at your fingertips, you can quickly see your installments, interest rate and the date of your next payment.
Repayment schedule
See it in real time and download it when you need it.
Keep track of payments
See your installments, interest rate and the date of your next installment.
Pre-approval
financial
You started house hunting? Great. If you choose a variable-rate mortgage, you can benefit from financial pre-approval for 45 days, during which you can look for your dream home in peace, because you get the loan with the interest rates and fees valid at the time of validating your application.
RAPID HELP
Yes, you can, if you opt for a mortgage-backed loan. 😉
You just need to have income from employment contracts carried out abroad for at least one year. 📆
❗⠀If you are considering taking out a loan:
➤⠀You can calculate your monthly payments online using the the BT loan simulator;
➤⠀and then you find out by phone if you qualify for the desired amount. 😃
Yes! In this case, you benefit from preferential interest rates and fees on personal loans. 😎
For more details we are waiting for you in any BT unit.
❗⠀If you are considering taking out a loan:
➤⠀You can calculate your monthly payments online using the the BT loan simulator;
➤⠀and then you find out by phone if you qualify for the desired amount. 😃
Of course! 😊 You can request full or partial early repayment of all or part of your outstanding BT loan. Simply deposit the amount you want to prepay into your current account and then take your ID to any BT branch to complete the early repayment request.
The procedure is simple, the conditions are minimal and the documentation is easy to fill in! 😃
You just have to:
❶⠀You have an employment contract of indefinite duration;
❷⠀You have no delays or arrears in paying amounts owed if you have had other credit products;
❸⠀You earn income from wages, pensions or other types of income that are permanent and certain;
❹⠀You must be at least 18 years of age (because in order to be credited, you must show a reliable source of repayment i.e. a work record);
❺⠀You qualify in terms of BT scoring. This check will be carried out at our units, depending on your financial situation.
❻⠀You are aged 65 or over at the end of the loan period* (unless you have pension income, in which case your age will be 70 or over at the end of the loan period).
* The end of the credit period means the time when you have paid the last installment of the credit you have received from us. 😉
WHY PUT OFF WHAT YOU WANT?
With a BT mortgage, your home can come together faster than you think. Whether you're buying your first home or moving to a bigger place, you have our support from the first step. Clear terms, great interest rates and advice you can understand.