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    Example
    representative

    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 first 2 years 5.15% then variable 7.96%* (IRCC + 1.90pp)
    Monthly instalment
    Starting from 2.121 lei
    APR (Annual Percentage Rate of Charge)**
    7,72%
    Total cost of the loan
    348.539 lei
    Total amount to be paid
    648.538 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 first 2 years 5.15% then variable 7.96%* (IRCC + 1.90pp)
    Monthly instalment
    1.638 lei
    APR (Annual Percentage Rate of Charge)**
    7,80%
    Total cost of the loan
    472.853 lei
    Total amount to be paid
    772.853 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 5.40% then variable 8.16%.* (IRCC + 2.10pp)
    Monthly instalment
    Starting from 2.183 lei
    APR (Annual Percentage Rate of Charge)**
    7,67%
    Total cost of the loan
    350.252 lei
    Total amount to be paid
    650.252 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 5.40% then variable 8.16%.* (IRCC + 2.10pp)
    Monthly instalment
    1.685 lei
    APR (Annual Percentage Rate of Charge)**
    7,79%
    Total cost of the loan
    477.690 lei
    Total amount to be paid
    777.689 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 9.21%* (IRCC + 3.15pp)
    Monthly instalment
    Starting from 3.136 lei
    APR (Annual Percentage Rate of Charge)**
    9,75%
    Total cost of the loan
    421.266 lei
    Total amount to be paid
    721.266 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 9.21%* (IRCC + 3.15pp)
    Monthly instalment
    2.459 lei
    APR (Annual Percentage Rate of Charge)**
    9,73%
    Total cost of the loan
    591.017 lei
    Total amount to be paid
    891.017 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