Introductory fixed interest rate in the first 3 years starting from 5.05%. Complete costs.
Stability for 3 or 5 years for loans with introductory fixed interest.
The credit duration can be up to 30 years.
Lower interest if you collect 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 loan
27 iulie 2026
LEI
5,950.00 LEI
30 years
5.1%
Fixed for the first 3 years, then variable
13.08%
32 LEI / month
20,277 LEI
The presented figures have an informative purpose and do not represent the final offer from BT.
The value of the monthly rate also depends on the parameters chosen for calculation (repayment period, variable interest rate). These can be consulted and modified from .
FINANCIAL PROTECTION FOR MORTGAGE LOAN
Sometimes harder days also come, and for moments like these it is good to be protected. Conclude the mandatory home insurance PAD and optional (Groupama), so you can stay calm at your home.
Activate also the life insurance from Metropolitan, for unforeseen situations. You benefit from up to one month free of charge.
Refinance the mortgage loan at BT
If you already have a mortgage loan at another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing with BT.
MORTGAGE LOAN GRANTING CONDITIONS
- A minimum advance of 15% for the loan in lei and a minimum of 20% for the one in euro
- Salaries, pensions or other types of stable income, for a minimum of 3 months
- Good payment behavior
- Fulfillment of the eligibility criteria for each type of credit
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 suitable for you, depending on 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 to.
Keep track of payments
You see your installments, the interest and the date of the next installment.
Financial pre-approval mortgage loan
You have started looking for a house? Wonderful. If you choose a mortgage loan with a variable interest rate, you can benefit from financial pre-approval for 45 days, during which you can calmly search for your dream house, because you get the loan with the interest rates and fees valid at the time of the application validation.
QUICK HELP
Life insurance It 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 fully or partially paid off 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 dwelling has an energy certificate class A, you can benefit from a better interest rate and preferential conditions.
It 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 the payment amount, when the budget allows you.
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 varies depending on the type of property, and the consultant can indicate the available options.
The determination of the loan amount depends on the eligibility conditions, your income, the degree of indebtedness, and the value of the property brought as collateral.
The funded amount can be up to a maximum 85% of the property's value brought in guarantee for loans in RON and up to 80% for loans in EUR, depending on the purchase destination, the type of property brought as collateral, and whether other properties are owned.
IRCC is an index established by the NBR and updated quarterly. It only affects loans with variable interest rates: 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 granting conditions are minimal and the documentation is easy to complete! 😃
To contract a credit from Banca Transilvania, it is necessary to meet a few eligibility criteria:
- to have salary income, pensions or other types of stable income, of at least 3 months;
- to have a good payment behavior;
- to meet the necessary conditions for each type of credit;
to have a minimum down payment of 15% for the loan in lei and a minimum of 20% for the one in euro.
The maximum age depends on the type of credit. Usually, income from pensions is accepted, and the credit duration is set so that by the end of the period you fall within the accepted age limit.
Important: Classification by product and credit maturity are based on the eligibility conditions in the internal regulations of Banca Transilvania. We analyze each case separately, so that we find the option that best suits your situation.
Yes, you can, if you opt for a loan secured by a 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 monthly rates online in BT credit simulator;
➤⠀and then you find out by phone if you qualify for 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 the 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 your life partner.
Yes. It is mandatory to have a minimum down payment of 15% for the loan in lei and a minimum of 20% for the one in euros.
The advance must be deposited in cash or transferred to the account at Banca Transilvania or proof of this can be provided by a bank statement or payment order.
Yes. When contracting the loan, the life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents or the husband’s/wife’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.);
- diurnal;
- life annuities;
- intellectual property rights;
salary income obtained from abroad etc. Important is that the income is stable and documented.
Yes, if the debt ratio remains within legal limits and your income allows for 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 creditului, the property evaluation, the approval and signing at the notary.
If the documents are complete and correct from the start, the process can be faster. A BT consultant can give you a more precise estimate depending on your situation.
- Online simulation or in unit
- Discussion with a specialist
- Submission of documents
- Case file analysis
- Property evaluation
- Final approval
- Signing the contract at the notary
- Provision of the sum
Yes. You can get a pre-approval indicating the approximate amount you can access, so that you look for homes suitable for your budget.
It is a very useful step to go to screenings 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 offers you updates whenever you need.
Refinancing is the process of requesting a new credit by which you repay in advance the existing loan or loans and, possibly, are left with some money. 😊
Refinancing is recommended when:
➤⠀brings a considerable reduction in costs, either through a more advantageous price or by the possibility of requesting a longer credit period;
➤⠀you want to consolidate several loans into a single one, so that you obtain a single monthly payment, smaller than the sum of all previous loan payments.
Refinancing of 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 advantageous conditions for you.
Colleagues from BT agencies I can help you both with the details you need, as well as with a personalized calculation.
Refinancing of 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 to a fixed interest for a certain period of time or vice versa
- Can you change the credit period
- You have access to digital services – since application you can easily manage your loans.
To start the refinancing process of real estate loan at BT, you will basically need:
- Identity document
- Documents related to the income obtained
- Documents related to the loan for which you are requesting refinancing – e.g. loan agreement, repayment schedule, refinancing address, etc.
- Documents related to the property that will be brought as collateral
We recommend that you ask, 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).
Refinancing cost of a mortgage-credit-property depends on several factors (the bank, the type of credit, the amount remaining, whether you refinance at the same bank or not). You should consider the following:
- File Analysis Committee
- Cost of the evaluation report
- Notarial expenses
- Property insurance
- Early repayment commission – for mortgage loans with variable interest rate is 0%, according to the legislation in force
- Other operating expenses – ex. Conditional payment order
Colleagues from units I can help you with more information, depending on the situation you are in.
Payment history matters to obtain a loan.
A good payment behavior is one of BT's conditions for granting a mortgage loan.
❗ It is recommended to discuss openly with a BT consultant about your financial history, to find the best solution.
Sure, of course 😊 BT gives you the possibility to refinance a mortgage-credit-property contracted even at Banca Transilvania.
We are waiting for you in BT agencies for discussing with one of our colleagues, so that you make the best decision for yourself.
Can you refinance the credit which you have whenever you want. 😊
❗ Colleagues from BT units I can help you with a personalized offer, so that you make the right decision.
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.
At refinancing, the existing mortgage (established in favor of the current bank) is canceled and a new mortgage is established in favor of Banca Transilvania. This procedure is carried out by a notary and involves notary and land registry costs.
The process is handled mostly by your BT advisor, but it will require your presence at the notary to sign the documents.
Yes. Loan 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 taken out together with a partner, and in the meantime changes such as divorce or separation have occurred, refinancing can represent a solution for contracting the loan with 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 duration of the contract.
- Variable Interest: The interest rate is set based on the reference indices IRCC/EURIBOR, to which a fixed margin is added. In this case, throughout the entire duration of the credit agreement, the credit installments will fluctuate according to the evolution evolution of reference indices mention, the update being done quarterly;
- Introductory rate, then variable (only in the case of mortgage loans granted in RON): The interest rate remains unchanged for a certain period of time, then, upon the expiration of this period, the interest rate becomes variable, being set according to the IRCC reference index, to which the bank's fixed margin is added.
Your BT consultant can explain the differences between options and can help you make the best decision.
WHY DELAY WHAT YOU WANT?
With BT mortgage loan, your house takes shape faster than you think. Whether you are 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.
