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Real estate loan - mortgage
Costs
Okay, fine, but... how much is the interest?
It's up to you. Because you can choose the type of interest applied to the amount borrowed.
Introductory fixed-rate loan in RON (purchase of real estate or external refinancing)
Fixed interest (in the first 3 years)
5,85%
Variable interest (from year 4)
8,29%* (IRCC + 2.39pp)
Fixed interest rate (in the first 5 years)
6,50%
Variable interest (from year 6)
8,30%* (IRCC + 2.40pp)
Variable interest loan
Interest in lei
9,05%* (IRCC + 3.15pp)
Interest in euro
8,60%* (EURIBOR6M + 4.75pp)
Introductory fixed-interest loan in lei (purchase of real estate)
Fixed interest (in the first 3 years)
6,90%
Variable interest (from year 4)
8,70%* (IRCC + 2.80pp)
Fixed interest rate (in the first 5 years)
7,50%
Variable interest (from year 6)
8.80%* (IRCC + 2.90pp)
Variable interest loan
Interest in lei
9,25%* (IRCC + 3.35pp)
Interest in euro
8,85%* (EURIBOR6M + 5.00pp)
*The interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month benchmark and varies according to the evolution of the benchmark and the exchange rate. The interest rate will be updated and modified by the bank on a quarterly basis according to the IRCC or EURIBOR 6-monthmoney market index.
Full list of commissions
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
Analysis of the introductory fixed-rate credit file in lei
400 lei
Analysis of the variable rate loan file
400 lei (for loans in RON) or 100€ (for loans in euro)
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%
Representative examples
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed first 3 years 5.85% then variable 8.29%* (IRCC + 2.39pp)
Monthly instalment
2,219 lei
AER (Annual Percentage Rate of Charge)
7,91%
TOTAL COST OF THE LOAN
346,982 lei
TOTAL AMOUNT OF PAYMENT
636,982 lei
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed first 3 years 5.85% then variable 8.29%* (IRCC + 2.39pp)
Monthly instalment
1,711 lei
AER (Annual Percentage Rate of Charge)
8,01%
TOTAL COST OF THE LOAN
475,169 lei
TOTAL AMOUNT OF PAYMENT
765,169 lei
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed first 5 years 6.50% then variable 8.30%* (IRCC + 2.40pp)
Monthly instalment
2,376 lei
AER (Annual Percentage Rate of Charge)
7,84%
TOTAL COST OF THE LOAN
343,653 lei
TOTAL AMOUNT OF PAYMENT
633,653 lei
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed first 5 years 6.50% then variable 8.30%* (IRCC + 2.40pp)
Monthly instalment
1,833 lei
AER (Annual Percentage Rate of Charge)
7,93%
TOTAL COST OF THE LOAN
470,390 lei
TOTAL AMOUNT OF PAYMENT
760,390 lei
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 9.05%* (IRCC + 3.15pp)
Monthly instalment
2,993 lei
AER (Annual Percentage Rate of Charge)
9,58%
TOTAL COST OF THE LOAN
400,330 lei
TOTAL AMOUNT OF PAYMENT
690,330 lei
The value of the real estate
341,176 lei
Minimum advance (%)
15%
Amount of the minimum advance
51,176 lei
Loan amount
290.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 9.05%* (IRCC + 3.15pp)
Monthly instalment
2,344 lei
AER (Annual Percentage Rate of Charge)
9,55%
TOTAL COST OF THE LOAN
559,341 lei
TOTAL AMOUNT OF PAYMENT
849,341 lei
*In the case of variable-rate mortgage loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6M reference index and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis according to the IRCC or EURIBOR 6M monetary index. Changes in the benchmarks as well as income fluctuations may affect the ability to pay the loan instalments or the total amount payable.
**The above examples are mortgage loans in lei with fixed introductory interest and variable interest, respectively, calculated for people who collect their salary at BT or refinance the loan from another bank.
Credit interest rate benchmarks
