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Banca Transilvania launches the Green Loan for environmentally friendly houses

Comunicat de presa 2020-12-03
Banca Transilvania launches the Green Loan for environmentally friendly houses
  • The new loan is the cheapest BT loan for housing.
  • Green housing means a healthier environment, lower utility costs and higher living standards.
  • BT is the first bank in Romania to provide, since 2007, financing for energy efficiency in the residential sector.

Banca Transilvania launches the Green Mortgage Loan, which encourages the purchase of energy efficient buildings. For loans obtained until the end of the year, the new product comes with a variable interest rate, in RON, of 4.77%, both for new loans and in the case of refinancing.

The BT offer means lower rates by up to 5% compared to a standard BT mortgage loan, for the entire lending period. A green home means a healthier environment, lower utility costs, lower carbon footprint, but also higher living standards.

BT's commitment to sustainability and responsible growth

BT is the first bank in Romania to provide financing for energy efficiency in the residential sector in Romania, from EBRD funds, a step taken in 2017. The financing for energy efficiency for the residential sector is the third area in which BT has been involved, the first steps being made 10 years ago, for increasing the energy efficiency of the SME customers economic activities, as well as for sustainable growth projects carried out by public entities. In addition to financing from partnerships with the EBRD, IFC and EEEF, Banca Transilvania Financial Group supports the environmentally friendly projects, also from its own sources, and has complex models for environmental risk assessment. For the bank, #ThinkGreen means, in addition to green loans and supporting sustainable business ideas, the responsible use of natural resources, the provision of online banking solutions, green loans and afforestation actions, all part of the BT's Commitment to Responsible Growth.

What does the newest BT loan mean:

  • It is for buildings with superior energy performance with energy certificate A or B higher, with specific annual consumption of up to 163 kWh / m¬².
  • It is granted in RON, the advance payment is 15%, and the loan period is between 5 and 30 years.
  • The interest is 4.77%, consisting of IRCC + fixed margin 2.6 p.p.
  • For granting, permanent income is taken into account: salaries, pensions, rents, dividends, income from abroad of at least one year, etc.


The first steps towards the new green house loan can be made online, on the bank's website, by simulating a loan with the help of the Installment Calculator and by requesting a consultancy.


For example, for a loan of 200,000 RON, for a period of 30 years, with 360 equal installments, with an interest rate of 4.77% per year, IRCC 2.17% plus a fixed margin of 2.60% , the installment is almost 1,045 RON.