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Invest directly from the app 4.8
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    We are currently experiencing a very high number of calls in our Call Center. If you have an urgent problem, call now, otherwise we'll wait for you later. For quick answers try Ask BT or BT Visual Help.

  • 0264 308 308 028 or *8028 The number is available from any national network.
    0264 303 003 Hotline for all Romanians who are out of the country, including assistance in English.
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    Costs

    Interest
    7,99%* (IRCC + 2.00pp)
    Real estate valuation fee
    450 lei for apartment, 700 lei for house, villa, land and construction
    Monthly account management fee
    zero lei
    Management fee
    0.15% / year**
    Registration fee at the RNPM (National Register of Mobile Advertising)
    87.60 lei x 2 (for the collateral deposit contract opened to guarantee the interest and for the security mortgage contract on the credit balances of all the accounts opened with us)
    Home insurance
    The insurance of the home is compulsory and you can purchase it against all risks (the rights of compensation will be assigned in favour of the Romanian State, represented by the Ministry of Public Finance and Banca Transilvania).
    Collateral deposit to guarantee interest
    Cumulate 3 interest rates
    Partial/full early repayment fee
    0%

    *Variable interest is made up of our fixed margin plus the IRCC benchmark and varies according to the IRCC benchmark. The interest is updated and modified quarterly by us according to the variation of the IRCC.
    **It isdue to the FNGCIMM, charged on the balance of the State guarantee, for guarantees to be granted from 2021 onwards.

    Representative examples

    • mCredit in the amount of 280.000 lei - equal instalments
    Loan amount
    280.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    2.027 lei
    AER (Annual Percentage Rate of Charge)
    8,25%
    TOTAL COST OF THE LOAN
    454.747 lei
    TOTAL AMOUNT OF PAYMENT
    734.747 lei
    • mCredit in the amount of 280.000 lei - decreasing installments
    Loan amount
    280.000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    Starting from 2.612 lei
    AER (Annual Percentage Rate of Charge)
    8,26%
    TOTAL COST OF THE LOAN
    334.839 lei
    TOTAL AMOUNT OF PAYMENT
    614.829 lei
    • mLoan of 355.000 lei - equal instalments
    Loan amount
    355,000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    2.570 lei
    AER (Annual Percentage Rate of Charge)
    8,27%
    TOTAL COST OF THE LOAN
    577.479 lei
    TOTAL AMOUNT OF PAYMENT
    932.479 lei
    • mLoan of 355.000 lei - decreasing instalments
    Loan amount
    355,000 lei
    Duration
    30 years (360 monthly installments)
    Interest
    variable 7.86%* (IRCC + 2.00pp)
    Monthly instalment
    Starting from 3.311 lei
    AER (Annual Percentage Rate of Charge)
    8,27%
    TOTAL COST OF THE LOAN
    425.152 lei
    TOTAL AMOUNT OF PAYMENT
    780.152 lei

    *In the case of New Home loans with variable interest, this is made up of our fixed margin plus the IRCC benchmark and varies according to the latter. The interest rate will be updated and modified quarterly by us according to the IRCC variation. This change in the benchmark as well as fluctuations in income may affect the ability to pay the loan instalments or the total amount payable.

    **The EAD does not include costs charged by third parties, which are not known to BT (valuation, insurance, notary costs). You can obtain further information by visiting any BT unit.

    Credit interest rate benchmarks