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 for the first 2 years at 5.15%, then variable at 7.58%* (IRCC + 1.90pp)
Monthly instalment
Starting from 2.121 lei
APR (Annual Percentage Rate of Charge)**
7,42%
Total cost of the loan
333.598 lei
Total amount to be paid
633.598 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 for the first 2 years at 5.15%, then variable at 7.58%* (IRCC + 1.90pp)
Monthly instalment
1.638 lei
APR (Annual Percentage Rate of Charge)**
7,48%
Total cost of the loan
447.635 lei
Total amount to be paid
747.635 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 for the first 3 years at 5.40%, then variable at 7.78%* (IRCC + 2.10pp)
Monthly instalment
Starting from 2.183 lei
APR (Annual Percentage Rate of Charge)**
7,41%
Total cost of the loan
336.359 lei
Total amount to be paid
636.359 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 for the first 3 years at 5.40%, then variable at 7.78%* (IRCC + 2.10pp)
Monthly instalment
1.685 lei
APR (Annual Percentage Rate of Charge)**
7,50%
Total cost of the loan
453.798 lei
Total amount to be paid
753.797 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 8.83%* (IRCC + 3.15pp)
Monthly instalment
Starting at 3,041 lei
APR (Annual Percentage Rate of Charge)**
9,34%
Total cost of the loan
404.119 lei
Total amount to be paid
704.119 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 8.83%* (IRCC + 3.15pp)
Monthly instalment
2.377 lei
APR (Annual Percentage Rate of Charge)**
9,31%
Total cost of the loan
561.483 lei
Total amount to be paid
861.482 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.