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    Example
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    Choose the type of credit
    • Mortgage home loan in lei with introductory fixed interest rate for 2 years, with BT income collection (decreasing installments)
    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.
    2-year introductory fixed-rate mortgage in lei, with BT income collection (equal installments)
    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.
    Mortgage home loan in lei with introductory fixed interest rate for 3 years, with BT income collection (decreasing installments)
    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)**
    7,40%
    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.
    3-year introductory fixed-rate mortgage in lei, with BT income collection (equal installments)
    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.
    Mortgage home loan in lei at variable interest, with income collection at BT (decreasing installments)
    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.
    Mortgage home loan in lei at variable interest, with BT income collection (equal installments)
    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.

    Credit interest rate benchmarks

    See the quarterly evolution