Example
representative
Choose the type of credit
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.09% for the first 2 years, then variable at 7.57%* (IRCC + 1.99 percentage points)
Monthly instalment
Starting at 2,106 lei
APR (Annual Percentage Rate of Charge)**
7,40%
Total cost of the loan
332.857 lei
Total amount to be paid
632.856 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.09% for the first 2 years, then variable at 7.57%* (IRCC + 1.99 percentage points)
Monthly instalment
1.627 lei
APR (Annual Percentage Rate of Charge)**
7,46%
Total cost of the loan
446.480 lei
Total amount to be paid
746.480 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Fixed rate of 5.20% for the first 3 years, then variable rate of 7.68%* (IRCC + 2.10 percentage points)
Monthly instalment
Starting at 2,133 lei
APR (Annual Percentage Rate of Charge)**
7,27%
Total cost of the loan
330.990 lei
Total amount to be paid
630.990 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 ani (360 rate lunare)
Interest
Fixed rate of 5.20% for the first 3 years, then variable rate of 7.68%* (IRCC + 2.10 percentage points)
Monthly instalment
1.647 lei
APR (Annual Percentage Rate of Charge)**
7,37%
Total cost of the loan
445.138 lei
Total amount to be paid
745.137 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 8.73%* (IRCC + 3.15 percentage points)
Monthly instalment
Starting at 3,016 lei
APR (Annual Percentage Rate of Charge)**
9,23%
Total cost of the loan
399.606 lei
Total amount to be paid
699.606 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
The value of the real estate
352.941 lei
Minimum advance (%)
15%
Amount of the minimum advance
52.941 lei
Loan amount
300.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 8.73%* (IRCC + 3.15 percentage points)
Monthly instalment
2.356 lei
APR (Annual Percentage Rate of Charge)**
9,21%
Total cost of the loan
553.754 lei
Total amount to be paid
853.754 lei
*In the case of variable-rate mortgages, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
**DAE does not include third party costs not known to BT (valuation, insurance, notary costs) You can get more information by visiting any BT office.
