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    Time to move home?

    Time to move home?

    It's an important step and we're happy to be at your side. Whether you're interested in a mortgage to buy a home or you want to refinance your existing mortgage, we will find the best solution together.

    • Introductory fixed interest in the first 3 years from 5.05%. Full costs.

    • Stability for 3 or 5 years for introductory fixed-rate loans.

    • The duration of the loan can be up to 30 years.

    • Lower interest if you cash your income with BT.

    • Minimum advance starting at 15% for loans in lei and 20% for loans in euro.

    • You can take out a loan with a co-borrower to access the amount you need. 

    Simulate a loan

    How much does housing cost?
    LEI
  • The minimum amount you can borrow is 7.000 LEI
    The maximum amount you can borrow is 1.200.000 LEI
    7.000 LEI 1.200.000 LEI
    Monthly instalment
    32 READ

    The figures presented are for information purposes only and do not represent the final offer from BT.

    The amount of the monthly rate also depends on the parameters chosen for the calculation (return period, variable interest rate). These can be consulted and modified from .

    Credit simulation
    Product
    Mortgage credit
    Generated in
    July 26, 2025
    Loan currency
    LEI
    Amount borrowed
    5,950.00 LEI
    Loan period
    30 years
    Interest rate
    5.15%
    Interest rate
    Fixed for the first 3 years, then variable
    Annual effective interest rate
    13.01%
    Monthly rate
    32 LEI / month
    Total amount to be paid
    20.540 LEI

    The figures presented are for information purposes only and do not represent the final offer from BT.

    The amount of the monthly rate also depends on the parameters chosen for the calculation (return period, variable interest rate). These can be consulted and modified from .

    Change the calculation
    Choose your credit currency
    How much does housing cost?
    LEI
    The minimum amount you can borrow is 7.000 LEI
    The maximum amount you can borrow is LEI 1.200.000
    7.000 LEI 1.200.000 LEI
    How much do you want to pay in advance?
    LEI
    The minimum advance is 1.050 LEI
    The maximum advance is 3.500 LEI
    15% 50%
    How many years do you want to pay back the loan?
    Do you collect your salary at BT?
    Choose interest rate

    Fixed interest
    The interest rate is fixed for loans with fixed introductory interest for the first 3 / 5 years (as the case may be, depending on the period chosen) and variable thereafter.

    Variable interest
    Variable interest is made up of an index (either IRCC or 6-month EURIBOR) depending on the currency and type of loan plus a fixed margin.

    Period
    How do you want to get your rates?

    The figures presented are for information purposes only and do not represent the final offer from BT.

    The amount of the monthly rate also depends on the parameters chosen for the calculation, which can be viewed and changed in the simulator settings.

    FINANCIAL PROTECTION

    Sometimes the hard days come, and for times like these it's good to be protected. Take out compulsory PAD and optional (Groupama) home insurance, so you can stay at home.

    Activate Metropolitan's life insurance for the unexpected. You get up to one month free.

    And eco-friendly and low cost.

    Green real estate-mortgage loan

    And eco-friendly and low cost.

    Refinance
    your loan with BT

    If you already have a home loan with another bank, you can enjoy great terms and a lower monthly payment by refinancing with BT.

    Refinance your loan with BT
    AWARD CONDITIONS

    AWARD CONDITIONS

    • An advance of at least 15% for credit in lei and at least 20% for credit in euro
    • Salary, pension or other stable income for at least 3 months
    • Good payment behavior 
    • Fulfilling the eligibility criteria for each type of credit

    SEE WHICH CREDIT
    IS RIGHT FOR YOU

    The apartment of your dreams, a spacious home or an eco-friendly building. See the features of each type of home loan and choose the one that's right for you, depending on your plans.

    Banking 360°

    BT Pay makes managing your home loan super simple. With your repayment schedule always at your fingertips, you can quickly see your installments, interest rate and the date of your next payment. 

    • Repayment schedule

      See it in real time and download it when you need it.  

    • Keep track of payments

      See your installments, interest rate and the date of your next installment.

    Financial Pre-Approval

    Pre-approval
    financial

    You started house hunting? Great. If you choose a variable-rate mortgage, you can benefit from financial pre-approval for 45 days, during which you can look for your dream home in peace, because you get the loan with the interest rates and fees valid at the time of validating your application.

    RAPID HELP

    If you are registered with the Credit Bureau, it does not necessarily mean that you can no longer take out a loan with us. Instead, it means that we will look at your financial and family situation alongside the situation you present to the Credit Bureau. This is how we will see if you are eligible for a new loan, according to BT's lending rules and policies.

    If you're thinking of taking out a new loan, you can calculate your monthly repayments online in BT loan simulator and then find out over the phone if you're within the amount you want. Come in to any BT branch to discuss all the details or find out more online from our website, where we've got all your borrowing options ready for you. 😉

    *It's important to keep in mind that the results in the simulator are indicative. You can get a personalized answer in any of our units, where a consultant will discuss with you.

    Yes, you can, if you opt for a mortgage-backed loan. 😉

    You only need to have income from work contracts carried out abroad for at least one year. 📆


    ❗❗⠀If you're thinking of taking a credit:

    ➤➤⠀you can calculate your monthly installments online in BT loan simulator;

    ➤➤⠀and then find out over the phone if you qualify for the amount you want. 😃

    Yes! In this case you benefit from preferential interest rates and fees on loans for individuals. 😎


    For more details we are waiting for you in any BT unit.


    ❗❗⠀If you're thinking of taking a credit:

    ➤➤⠀you can calculate your monthly installments online in BT loan simulator;

    ➤➤⠀and then find out over the phone if you qualify for the amount you want. 😃

    WHY PUT OFF WHAT YOU WANT?

    With a BT mortgage, your home can come together faster than you think. Whether you're buying your first home or moving to a bigger place, you have our support from the first step. Clear terms, great interest rates and advice you can understand.

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    Search suggestions
    Powered by Azure OpenAI GPT-4o
    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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