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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.

    • mI cash my income at BT 

    Credit with introductory fixed interest rate, in lei (purchase of rental property with energy certificate A or refinancing)

    Fixed interest (in the first 3 years)
    5,49%
    Dobanda variable (from year 4)
    7,56%* (IRCC + 1.90pp)
    Fixed interest rate (in the first 5 years)
    5,90%
    Variable interest (from year 6)
    8,06%* (IRCC + 2.40pp)

    Loan with variable interest rate, in RON

    Variable interest rate
    8,61%* (IRCC + 2.95pp)
    • mI don't cash in my income at BT

    Introductory fixed-interest loan in lei (purchase of residential property with energy certificate A or refinancing)

    Fixed interest (in the first 3 years)
    6,90%
    Variable interest (from year 4)
    8,46%* (IRCC + 2.80pp)
    Fixed interest rate (in the first 5 years)
    7,50%
    Variable interest (from year 6)
    8,56%* (IRCC + 2.90pp)

    Loan with variable interest rate, in RON

    Variable interest rate
    8,61%* (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 buildings for variable interest loans
    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 5.49% then variable 7.56%* (IRCC + 1.90pp)
    Monthly instalment
    Starting from 2.022 lei
    AER (Annual Percentage Rate of Charge)
    7,28%
    TOTAL COST OF THE LOAN
    302.028 lei
    TOTAL AMOUNT OF PAYMENT
    577.028 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 5.49% then variable 7.56%* (IRCC + 1.90pp)
    Monthly instalment
    1.560 lei
    AER (Annual Percentage Rate of Charge)
    7,36%
    TOTAL COST OF THE LOAN
    404.800 lei
    TOTAL AMOUNT OF PAYMENT
    679.800 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 8.56%* (IRCC + 2.90pp)
    Monthly instalment
    Starting from 2.483 lei
    AER (Annual Percentage Rate of Charge)
    8,49%
    TOTAL COST OF THE LOAN
    346.259 lei
    TOTAL AMOUNT OF PAYMENT
    621.259 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 8.56%* (IRCC + 2.90pp)
    Monthly instalment
    1,923 lei
    AER (Annual Percentage Rate of Charge)
    8,54%
    TOTAL COST OF THE LOAN
    477.645 lei
    TOTAL AMOUNT OF PAYMENT
    752.645 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 8.61%* (IRCC + 2.95pp)
    Monthly instalment
    Starting from 2.737 lei
    AER (Annual Percentage Rate of Charge)
    9,11%
    TOTAL COST OF THE LOAN
    361.708 lei
    TOTAL AMOUNT OF PAYMENT
    636.708 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 8.61%* (IRCC + 2.95pp)
    Monthly instalment
    2.136 lei
    AER (Annual Percentage Rate of Charge)
    9,08%
    TOTAL COST OF THE LOAN
    499.515 lei
    TOTAL AMOUNT OF PAYMENT
    774.515 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.

    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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    AI Search provides automatically generated answers, using GPT-4o 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 GPT-4o 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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