Introductory fixed interest rate for the first 2 years starting at 4.99%. 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
April 17, 2026
LEI
5,950.00 LEI
30 years
5.09
Fixed for the first 2 years, then variable
13.63%
32 LEI / month
20,359 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
Life insurance provides peace of mind and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, and the loan can be paid off in full or in part in such situations.
This is a significant source of support that comes with:
- Safety
- Family Protection
- Flexibility (optional, but useful)
- Coverage for major risks
Yes. If the home has an A-class energy certificate, you can qualify for a better interest rate and preferential terms.
It’s our way of promoting energy-efficient homes and helping you choose a more environmentally friendly property.
Of course. You can repay the loan at any time, either in part or in full. If you have a variable interest rate, there is no fee. For fixed-rate loans, there is a small fee set by law.
It’s good to know that you have the flexibility to shorten the payment period or reduce the payment amount when your budget allows.
Yes, the appraisal is necessary for your safety and that of the bank. The cost is borne by the customer and is paid directly to the authorized appraiser.
The price varies depending on the type of property, and the consultant can show you the available options.
The loan amount depends on your eligibility, income, debt-to-income ratio, and the value of the property used as collateral.
The amount financed may be up to a maximum of 85% of the value of the property used as collateral for loans in RON and up to 80% for loans in EUR, depending on the purpose of the purchase, the type of property used as collateral, and whether the borrower owns other properties.
The IRCC is an index established by the National Bank of Romania (BNR) and updated quarterly. It applies only to variable-rate loans: if the IRCC rises, your interest rate goes up; if it falls, your interest rate goes down.
For example, an IRCC of 5.5% plus the bank’s margin of 1.9% results in a total interest rate of 7.4%. You can find the current IRCC rate on the NBR website.
The procedure is simple, the conditions are minimal and the documentation is easy to fill in! 😃
To apply for a loan from Banca Transilvania, you must meet several eligibility criteria:
- have a steady income from wages, pensions, or other sources for at least 3 months;
- to have a good payment history;
- meet the requirements for each type of loan;
You must have a down payment of at least 15% for a loan in lei and at least 20% for a loan in euros.
The maximum age limit depends on the type of loan. Generally, pension income is accepted, and the loan term is set so that you will be within the accepted age limit by the end of the term.
Yes, you can, if you choose a mortgage-backed loan.
You must be a Romanian citizen and have income from permanent employment contracts abroad that have been in effect 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. You must have a down payment of at least 15% for a loan in lei and at least 20% for a loan in euros.
The deposit must be paid in cash or transferred to the account at Banca Transilvania, or proof of payment may be provided in the form of a bank statement or a payment order.
Yes. When applying for a loan, your partner, spouse, children, siblings, in-laws, and/or your parents or your spouse’s parents can assist you, provided they meet the eligibility requirements.
BT accepts a wide range of income sources, as long as they are regular and can be verified. In addition to salary income, the following are eligible:
- pensions;
- rents;
- dividends;
- self-employment (sole proprietorships, independent professionals, etc.);
- daily allowances;
- life annuities;
- intellectual property rights;
salary income earned abroad, etc. The important thing is that the income be stable and properly documented.
Yes, as long as your debt-to-income ratio remains within legal limits and your income allows you to make a new payment. We review each situation to see what options are available to you.
- Online simulation or in the facility
- Consultation with a specialist
- Submission of documents
- Case review
- Property appraisal
- Final approval
- Signing the contract at the notary's office
- Provision of the funds
Yes. You can get a pre-approval that gives you an estimate of how much you can borrow, so you can look for homes that fit your budget.
It's a great way to feel confident when you go to viewings.
If you have applied for a 100% online personal loan 100% online, check the status in BT Pay.
For mortgage loans, your relationship manager will provide you with updates whenever you need them.
Refinancing is the process of applying for a new loan to pay off your existing loan or loans early and, possibly, have some money left over. 😊
Refinancing is recommended when:
➤⠀results in a significant reduction in costs, either through a more favorable price or through the option to request a longer loan term;
➤⠀You want to consolidate multiple loans into a single loan so that you have a single monthly payment that is lower than the total of all your previous monthly payments.
When refinancing a mortgage , it is important to take into account several costs specific to this process. Refinancing involves taking out a new loan and transferring the mortgage to the new bank, which entails expenses:
- Analysis fee
- Property valuation fee
- Notary fees – for the authentication of documents and the registration of the guarantee
- Any administrative expenses – these may include various fees specific to the refinancing process
- Mandatory insurance
For the refinancing process, you will need the following basic documents*:
- Identification document;
- ANAF Agreement – for income verification;
- Property deeds for the building;
- Housing appraisal report;
- The loan documentation for the loan you wish to refinance.
* The list of required documents is provided for illustrative purposes only. We invite you to inquire at at any Banca Transilvania branchfor the complete list of documents required to obtain the loan (tailored to your profile, the purpose of the loan, and the type of property used as collateral).
Yes. You can add a co-borrower (your partner, spouse, children, siblings, in-laws, and/or your parents or your spouse’s parents) during the refinancing process, and this can help you secure a larger loan amount or meet the eligibility criteria more easily.
This is a useful solution, especially when individual incomes are not enough to cover the desired amount.
Yes, refinancing is worth considering, especially if you can shorten the loan term or lower your monthly payment.
Such a change can result in a lower interest rate and a lower total cost of loan. Basically, you can achieve greater stability and better control over your budget.
Compare three key factors:
- Current monthly payment vs. new monthly payment;
- Current interest rate vs. new interest rate;
- Monthly savings vs. refinancing costs (notary fees, appraisal, commission).
If the savings exceed the costs, refinancing is advantageous.
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.
