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Call Center
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    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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    Costs

    Okay, fine, but... how much is the interest?

    It's up to you. You can choose the type of interest applied to the amount borrowed.

    • mCash your income with BT or refinance your loan from another bank

    Introductory fixed-interest loan in lei (purchase of real estate, including external refinancing for a building with energy certificate A)

    Fixed interest (in the first 3 years)
    5,75%
    Dobanda variable (from year 4)
    8,15%* (IRCC + 2.29pp)
    Fixed interest rate (in the first 5 years)
    5,90%
    Variable interest (from year 6)
    8.26%* (IRCC + 2.40pp)

    Loan with variable interest rate, in RON

    Variable interest rate
    8,81%* (IRCC + 2.95pp)
    • mI don't cash in my income at BT

    Introductory fixed-interest loan in lei (purchase of real estate, including external refinancing for a building with energy certificate A) 

    Fixed interest (in the first 3 years)
    6,90%
    Variable interest (from year 4)
    8.66%* (IRCC + 2.80pp)
    Fixed interest rate (in the first 5 years)
    7,50%
    Variable interest (from year 6)
    8.76%* (IRCC + 2.90pp)

    Loan with variable interest rate, in RON

    Variable interest rate
    8,81%* (IRCC + 2.95pp)

    * In the case of variable-rate loans, it consists of the fixed margin of the bank plus the IRCC benchmark index and varies depending on the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index.


    What other costs does this loan entail?

    Because we want to have a relationship based on transparency and trust, we want you to know that we have certain fees. It's normal to know about them.

    Commission
    Value
    Analysis of the introductory fixed-rate credit in lei
    400 lei
    Analysis of the variable rate credit file
    400 lei
    Credit management
    150 lei / year
    Services offered on request
    100 lei / service provided
    Property valuation fee
    575 lei / apartment, 860 lei / house, land and constructions
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.60 lei / warranty
    Partial/full early repayment fee 
    0%

    * For the mortgaged real estate, it is necessary to conclude an insurance policy, during the entire loan period. We offer you the possibility to conclude the insurance policy for the real estate with a partner insurance company, with an annual premium of approximately 0.10% of the value of the building. In this situation, you can request at any time, the repayment schedule of the insurance premiums until the end of the loan.

    Representative examples

    • mMortgage-mortgage loan with introductory fixed interest rate 3 years, in lei (decreasing rates)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    fixed first 3 years 5,75% then variable 8,15%* (IRCC + 2.29pp)
    Monthly instalment
    2.082 lei
    AER (Annual Percentage Rate of Charge)
    7,78%
    TOTAL COST OF THE LOAN
    323.843 lei
    TOTAL AMOUNT OF PAYMENT
    598.843 lei

    • mMortgage-mortgage loan with introductory fixed interest rate 3 years, in lei (equal instalments)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    fixed first 3 years 5,75% then variable 8,15%* (IRCC + 2.29pp)
    Monthly instalment
    1,605 lei
    AER (Annual Percentage Rate of Charge)
    7,88%
    TOTAL COST OF THE LOAN
    441.603 lei
    TOTAL AMOUNT OF PAYMENT
    716.603 lei

    • mMortgage loan with 5-year fixed introductory interest rate in lei (decreasing rates)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    fixed first 5 years 7.50% then variable 8.76%* (IRCC + 2.90pp)
    Monthly instalment
    2,483 lei
    AER (Annual Percentage Rate of Charge)
    8,57%
    TOTAL COST OF THE LOAN
    351.607 lei
    TOTAL AMOUNT OF PAYMENT
    626.607 lei

    • m5-year fixed-interest introductory mortgage loan in lei (equal instalments)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    fixed first 5 years 7.50% then variable 8.76%* (IRCC + 2.90pp)
    Monthly instalment
    1,923 lei
    AER (Annual Percentage Rate of Charge)
    8,64%
    TOTAL COST OF THE LOAN
    487.824 lei
    TOTAL AMOUNT OF PAYMENT
    762.824 lei

    • mMortgage loan with variable interest in lei (decreasing rates)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 8,81%* (IRCC + 2.95pp)
    Monthly instalment
    2.783 lei
    AER (Annual Percentage Rate of Charge)
    9,32%
    TOTAL COST OF THE LOAN
    369.980 lei
    TOTAL AMOUNT OF PAYMENT
    644.980 lei

    • mMortgage-mortgage loan with variable interest in lei (equal instalments)
    The value of the real estate
    323,529 lei
    Minimum advance (%)
    15%
    Amount of the minimum advance
    48,529 lei
    Loan amount
    275.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 8,81%* (IRCC + 2.95pp)
    Monthly instalment
    2.175 lei
    AER (Annual Percentage Rate of Charge)
    9,29%
    TOTAL COST OF THE LOAN
    513.644 lei
    TOTAL AMOUNT OF PAYMENT
    788.644 lei

    *In the case of green mortgage loans with variable interest rates, this is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, according to the IRCC monetary index. Changes in the benchmark as well as income fluctuations may affect the ability to pay the loan instalments or the total amount payable.

    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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