Lower rates on home loans through refinancing at Banca Transilvania

People who want to refinance at Banca Transilvania real estate / mortgage loans in RON or EURO can benefit from lower rates. The newest BT offer, valid until the end of this year, means more advantageous loans, the bank's coverage of notary fees and the evaluation of the real estate without charging a commission.  

To whom is the BT offer addressed and what does it mean

Banca Transilvania is addressed to those who want to better manage their money, in order to invest in new plans. These are people who, as a result of BT's calculations, could get a lower rate and involve taking a real estate loan to close another, from another bank.

In order to have an easy journey towards the decrease of the installments, BT supports the clients with the coverage of the notary fees related to the relocation of the real estate mortgage, with the amount of 1,000 lei, net, directly in their account. Those who wish can find out online, indicatively, the total amount of payment and the rate after refinancing at BT. These depend on the remaining amount of payment, the desired period for refinancing and whether the person receives the income through BT or other banks.

5 steps for refinancing at Banca Transilvania:   

• Obtaining the refinancing agreement from the bank where the real estate / mortgage loan is located, except for the loans through the First Home program;
• Choosing a notary for assistance with the mortgage contract;  
• Requesting a new cf information extract, which can be obtained online;
• Accessing the offer from Banca Transilvania is done with the following documents: identity card, specific income documents, the refinancing agreement from the bank where the loan was taken and the ownership documents of the dwelling;
• After closing the refunded loan, together with the representative of the bank from which the loan was initially taken, a deregistration address is drawn up at the notary, on the basis of which the norat obtains the CF statement with mortgage in favor of BT.

For the refinancing offer it can be applied both on the bank's website and at any of the over 500 BT offices.