Shopping cards
Cards in lei
The Youth Card
The new house
Costs
Interest
7,90%* (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
*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.
