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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. Because 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 or external refinancing)

    Fixed interest (in the first 3 years)
    5,85%
    Variable interest (from year 4)
    8.25%* (IRCC + 2.39pp)
    Fixed interest rate (in the first 5 years)
    6,50%
    Variable interest (from year 6)
    8.26%* (IRCC + 2.40pp)

    Variable interest loan

    Interest in lei
    9.01%* (IRCC + 3.15pp)
    Interest in euro
    8.43%* (EURIBOR6M + 4.75pp)

    • mI don't cash in my income at BT

    Introductory fixed-interest loan in lei (purchase of real estate) 

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

    Variable interest loan

    Interest in lei
    9.21%* (IRCC + 3.35pp)
    Interest in euro
    8.68%* (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

    • mMortgage-mortgage loan with introductory fixed interest rate 3 years, in lei (decreasing rates)
    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 8.25%* (IRCC + 2.39pp)
    Monthly instalment
    2,219 lei
    AER (Annual Percentage Rate of Charge)
    7,88%
    TOTAL COST OF THE LOAN
    345,569 lei
    TOTAL AMOUNT OF PAYMENT
    635,569 lei
    • mMortgage-mortgage loan with introductory fixed interest rate 3 years, in lei (equal instalments)
    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 8.25%* (IRCC + 2.39pp)
    Monthly instalment
    1,711 lei
    AER (Annual Percentage Rate of Charge)
    7,98%
    TOTAL COST OF THE LOAN
    472,707 lei
    TOTAL AMOUNT OF PAYMENT
    762,707 lei
    • mMortgage loan with 5-year fixed introductory interest rate in lei (decreasing rates)
    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 8.26%* (IRCC + 2.40pp)
    Monthly instalment
    2,376 lei
    AER (Annual Percentage Rate of Charge)
    7,79%
    TOTAL COST OF THE LOAN
    342.041 lei
    TOTAL AMOUNT OF PAYMENT
    632.041 lei

    • m5-year fixed-interest introductory mortgage loan in lei (equal instalments)
    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 8.26%* (IRCC + 2.40pp)
    Monthly instalment
    1,833 lei
    AER (Annual Percentage Rate of Charge)
    7,89%
    TOTAL COST OF THE LOAN
    467.809 lei
    TOTAL AMOUNT OF PAYMENT
    757.809 lei

    • mMortgage loan with variable interest in lei (decreasing rates)
    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 9.01%* (IRCC + 3.15pp)
    Monthly instalment
    2,983 lei
    AER (Annual Percentage Rate of Charge)
    9,53%
    TOTAL COST OF THE LOAN
    398,585 lei
    TOTAL AMOUNT OF PAYMENT
    688,585 lei

    • mMortgage-mortgage loan with variable interest in lei (equal instalments)
    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 9.01%* (IRCC + 3.15pp)
    Monthly instalment
    2,335 lei
    AER (Annual Percentage Rate of Charge)
    9,51%
    TOTAL COST OF THE LOAN
    556,343 lei
    TOTAL AMOUNT OF PAYMENT
    846,343 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

    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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