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The Youth Card
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)
5,90%
Variable interest (from year 4)
8,46%* (IRCC + 2.50pp)
Fixed interest rate (in the first 5 years)
6,50%
Variable interest (from year 6)
9,11%* (IRCC + 3.15pp)
Variable interest loan
Interest in lei
9,11%* (IRCC + 3.15pp)
Interest in euro
8,88%* (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)
8,76%* (IRCC + 2.80pp)
Fixed interest rate (in the first 5 years)
7,50%
Variable interest (from year 6)
9,31%* (IRCC + 3.35pp)
Variable interest loan
Interest in lei
9,31%* (IRCC + 3.35pp)
Interest in euro
9,13%* (EURIBOR6M + 5.00pp)
* The interest rate consists of the bank's fixed margin plus the ircc or euribor reference index at 6 months and varies depending on the evolution of the reference index and the exchange rate. The interest will be updated and modified by the bank quarterly, depending on the IRCC or EURIBOR monetary index at 6 months.
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
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 5.90% then variable 8.46%* (IRCC + 2.50pp)
Monthly instalment
2,116 lei
AER (Annual Percentage Rate of Charge)
8,01%
TOTAL COST OF THE LOAN
334,689 lei
TOTAL AMOUNT OF PAYMENT
609,689 lei
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 5.90% then variable 8.46%* (IRCC + 2.50pp)
Monthly instalment
1,631 lei
AER (Annual Percentage Rate of Charge)
8,13%
TOTAL COST OF THE LOAN
460.69 lei
TOTAL AMOUNT OF PAYMENT
735,690 lei
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 6.50% then variable 9.11%* (IRCC + 3.15pp)
Monthly instalment
2,253 lei
AER (Annual Percentage Rate of Charge)
8,23%
TOTAL COST OF THE LOAN
348,722 lei
TOTAL AMOUNT OF PAYMENT
623,722 lei
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 6.50% then variable 9.11%* (IRCC + 3.15pp)
Monthly instalment
1,738 lei
AER (Annual Percentage Rate of Charge)
8,39%
TOTAL COST OF THE LOAN
488.06 lei
TOTAL AMOUNT OF PAYMENT
763,060 lei
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 9.11%* (IRCC + 3.15pp)
Monthly instalment
2,852 lei
AER (Annual Percentage Rate of Charge)
9,60%
TOTAL COST OF THE LOAN
381,669 lei
TOTAL AMOUNT OF PAYMENT
656,669 lei
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 9.11%* (IRCC + 3.15pp)
Monthly instalment
2,235 lei
AER (Annual Percentage Rate of Charge)
9,58%
TOTAL COST OF THE LOAN
534,261 lei
TOTAL AMOUNT OF PAYMENT
809,261 lei
* In the case of variable interest rate mortgage loans, it consists of the bank's fixed margin plus the IRCC or EURIBOR 6M reference index and varies according to the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index or EURIBOR 6M. The change in benchmarks as well as the fluctuation of revenues may influence the possibility of paying 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.
