Introductory fixed interest rate in the first 2 years starting from 4.99%. Complete costs.
Stability for 2 or 3 years for loans with introductory fixed interest rate.
The credit duration can be up to 30 years.
Lower interest if you deposit the income at BT.
You have a 2,000 lei voucher for notary fees if you refinance from other banks. Terms & Conditions apply.
You can take the loan together with a co-debtor to access the necessary amount.
Mortgage real estate loan
07 iulie 2026
LEI
5,950.00 LEI
30 years
5.09%
Fixed in the first 2 years, then variable
13.26%
32 LEI / month
20,327 LEI
The figures presented are for informational purposes and do not represent the final offer from BT.
The value of the monthly rate also depends on the parameters chosen for the calculation (repayment period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION FOR MORTGAGE LOAN
Sometimes there are harder days, and for moments like these it is good to be protected. Take out the mandatory home insurance PAD and optional (Groupama), so you can feel safe at home.
Activate life insurance from Metropolitan as well, for unforeseen situations. You benefit from up to one month free of charge.
Refinance the mortgage loan at BT
If you already have a home loan at another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing at BT.
MORTGAGE LOAN GRANTING CONDITIONS
- A down payment of at least 15% for loans in lei and at least 20% for those in euros
- Salaries, pensions or other types of steady income, for a minimum of 3 months
- A good payment behavior
- Meeting the eligibility criteria for each type of loan
SEE WHICH MORTGAGE LOAN SUITS YOU
Your dream apartment, a spacious house, or an eco-friendly building. See the features of each type of home loan and choose the one that suits you, according to your plans.
Banking 360°
With BT Pay, managing your home loan becomes super simple. You always have the repayment schedule at hand, you can quickly see your installments, interest, and the date of the next installment.
Repayment schedule
You see it in real time and you can download it when you need it.
Keep track of payments
You see your installments, interest, and the date of the next installment.
Financial pre-approval mortgage loan
Have you started looking for a house? Wonderful. If you choose a mortgage loan with a variable interest rate, you can benefit from a financial pre-approval for 45 days, during which you can calmly look for your dream house, because you get the loan with the interest rates and commissions valid at the time of application validation.
FAST HELP
Life insurance offers you peace and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, and the loan can be paid off in full or in part in such situations.
It is an important support that comes with:
- Safety
- Protection for family
- Flexibility (optional, but useful)
- Coverage for major risks
Yes. If the home has an energy certificate class A, you can benefit from a better interest rate and preferential conditions.
This is our way of encouraging efficient housing and supporting you in choosing a more environmentally friendly property.
Of course. You can repay the loan anytime, partially or fully. If you have a variable interest rate, you do not pay a commission. For fixed interest, there is a small commission established by law.
It is good to know that you have the flexibility to reduce the period or payment amount when the budget allows it.
Yes, the appraisal is necessary for your and the bank's safety. The cost is borne by the client and is paid directly to the authorized appraiser.
The value differs depending on the type of property, and the consultant can indicate the available options to you.
The determination of the loan amount depends on the eligibility conditions, your income, the level of indebtedness, and the value of the property provided as collateral.
The financed amount can be up to a maximum of 85% of the value of the property brought as collateral for RON loans and up to 80% for loans in EUR, depending on the purpose of the purchase, the type of property brought as collateral, and if other properties are owned.
IRCC is an index established by the National Bank of Romania and updated quarterly. It affects only loans with variable interest: if the IRCC increases, the rate increases; if it decreases, your rate decreases.
For example, an IRCC of 5.5% + the bank's margin of 1.9% means a total interest rate of 7.4%. The current value of the IRCC can be found on the BNR website.
The procedure is simple, the awarding conditions are minimal and the documentation is easy to complete! 😃
To contract a credit from Transilvania Bank, it is necessary to meet a few eligibility criteria:
- to have salary income, pensions, or other types of stable income, for at least 3 months;
- to have a good payment behavior;
- to meet the necessary conditions for each type of credit;
to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros.
The maximum age depends on the type of credit. As a rule, income from pensions is accepted, and the credit duration is set so that at the end of the period you fit within the accepted age limit.
Important: The product classification and the credit maturity are based on the eligibility conditions from the internal regulations of Banca Transilvania. We analyze each case separately to find the option that best suits your situation.
Yes, you can, if you opt for a loan secured by real estate mortgage.
It is necessary to have Romanian citizenship and income obtained from employment contracts carried out abroad, for an indefinite period, with a minimum seniority of one year.
❗⠀If you are thinking of taking a credit:
➤⠀can you calculate the monthly rates online in BT loan simulator;
➤⠀and then you find out by phone if you fit within the desired amount. 😃
For mortgage loan, the advance payment is mandatory:
- minimum 15% for loans in lei
- and at least 20% for loans in euros
There is no zero advance option for home purchase.
If you do not have the necessary advance now, one of our colleagues from unit it can help you explore alternatives.
Yes. You can take credit together with another person, even if there is no degree of kinship, as long as both persons meet the eligibility criteria.
You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the husband’s/wife’s parents as well as the life partner.
Yes. It is mandatory to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros.
The advance payment must be made in cash or transferred to the account at Banca Transilvania or it can be proven by an account statement or payment order.
Yes. When taking out the loan, your life partner, spouse, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents or your spouse's parents can help, if they meet the eligibility conditions.
BT accepts a wide range of incomes, as long as they are permanent in nature and can be proven. In addition to salary incomes, the following are eligible:
- pensions;
- rents;
- dividends;
- independent activities (PFA, liberal professions, etc.);
- daytime;
- life annuities;
- intellectual property rights;
salary income obtained from abroad etc. It is important that the income is stable and documented.
Yes, if the debt ratio remains within legal limits and your income allows the payment of a new installment. We analyze each situation to see what options you have.
The process takes a few weeks from the complete submission of the file, including the analysis credit, the property appraisal, approval and signing at the notary.
If the documents are complete and correct from the first time, the process can be faster. A BT consultant can give you a more accurate estimate depending on your situation.
- Online simulation or in unit
- Discussion with a specialist
- Submission of documents
- File analysis
- Real estate appraisal
- Final approval
- Signing the contract at the notary
- Making the amount available
Yes. You can obtain a pre-approval that indicates the approximate amount you can access, so you can look for homes suitable for your budget.
It is a very useful step to go to viewings with confidence.
If you have initiated a personal needs loan 100% online 100% online, see the status in BT Pay.
For mortgage loans, your relationship manager provides you with updates whenever you need.
Refinancing is the process of requesting a new credit through which you repay the existing loan or loans in advance and, possibly, you are left with some money. 😊
Refinancing is recommended when:
➤⠀brings a considerable reduction in costs, either through a more advantageous price, or through the possibility of requesting a longer credit period;
➤⠀you want to merge multiple loans into a single one, so that you get a single monthly installment, smaller than the sum of all previous loan installments.
Refinancing a mortgage real estate credit means replacing the existing loan with a new loan, contracted either at the same bank or at another bank, under more favorable conditions for you.
Colleagues from BT agencies I can help you both with the details you need and with a personalized calculation.
Refinancing a mortgage real estate credit at BT can have several real advantages. In short, you can benefit from:
- Competitive interest rates that can bring you a lower monthly rate
- You can change the type of interest – you can switch from a variable interest rate to a fixed interest rate for a certain period of time or vice versa
- Can you change the credit period
- You have access to digital services – from application you can easily manage your loans.
To start the refinancing process of mortgage credit at BT, you will basically need:
- Identity document
- Documents related to the income obtained
- Documents related to the credit for which you are requesting refinancing – e.g. credit agreement, repayment schedule, refinancing address, etc.
- Documents related to the property that will be brought as collateral
We recommend that you request, in units of Transilvania Bank, the complete list of documents required for obtaining the loan (personalized according to your profile, the purpose of the loan, and the type of property provided as collateral).
Cost of refinancing a mortgage housing loan depends on several factors (the bank, the type of credit, the value of the remaining amount, whether you refinance at the same bank or not). You should take into account the following:
- File Analysis Commission
- Cost of the evaluation report
- Notary expenses
- Property insurance
- Early repayment fee – for mortgage loans with variable interest rate is 0%, according to the legislation in force
- Other operating expenses – e.g. Conditional payment order
Colleagues from units I can help you with more information, depending on the situation you are in.
Payment history counts for obtaining a loan.
Good payment behavior is one of BT's conditions for granting a mortgage loan.
❗ It is recommended to talk openly with a BT consultant about your financial history, to find the best solution.
Of course 😊 BT offers you the possibility to refinance a mortgage housing loan contracted even at Banca Transilvania.
We are waiting for you in BT agencies to discuss with one of our colleagues, so that you can make the best decision for yourself.
Yes, it is possible to refinance a loan in euros (EUR) through a new loan in lei (RON) or vice versa, depending on your financial situation and your preferences. BT offers both mortgage loans in lei, as well as in euros.
❗ Colleagues from BT units I can help you with a personalized offer, so that you make the right decision.
Upon refinancing, the existing mortgage (established in favor of the current bank) is cancelled and a new mortgage is created in favor of Transilvania Bank. This procedure is carried out by a notary and involves notary and land registry fees.
The process is mainly managed by your BT advisor, but it will require your presence at the notary to sign the documents.
Yes. Credit refinanced can be contracted either together with the same co-debtor from the initial loan, or with a different co-debtor, depending on the current situation.
In case your financial capacity has improved, there is the possibility to access refinancing even without a co-signer.
Also, if the initial loan was contracted together with a partner, and in the meantime changes such as divorce or separation have occurred, refinancing may represent a solution for contracting the loan under a single holder.
The choice is yours 😊
In a contract of mortgage loan, you can choose between a fixed interest rate for a certain period, then variable (only in the case of mortgage loans granted in lei), or variable for the entire contract period.
- Variable Interest: The interest is set according to the reference indices IRCC/EURIBOR, to which a fixed margin is added. In this case, throughout the credit contract period, the credit installments will fluctuate according to the evolution evolution of reference indicesmention, the update being done quarterly;
- Introductory fixed rate, subsequently variable (only in the case of mortgage loans granted in RON): The interest rate remains unchanged for a certain period of time and then, upon the expiry of this period, the interest rate becomes variable, being established according to the IRCC reference index, to which the bank's fixed margin is added.
Your BT Consultant he/she can explain to you the differences between options and can help you make the best decision.
WHY DELAY WHAT YOU WANT?
With the BT mortgage loan, your house takes shape faster than you think. Whether you're buying your first home or moving to a bigger space, you have our support from the first step. Clear conditions, advantageous interest rate, and advice you can understand.
