Examples
representative
Choose the type of credit
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fixed first 2 years 5.09% then variable 7.57%* (IRCC + 1.99pp)
Monthly rate
Starting from 2,106 lei
DAE (Annual effective interest rate)**
7,39%
Total cost of credit
332.707 lei
Total amount to be paid
632.706 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fixed first 2 years 5.09% then variable 7.57%* (IRCC + 1.99pp)
Monthly rate
1,627 lei
DAE (Annual effective interest rate)**
7,46%
Total cost of credit
446.330 lei
Total amount to be paid
746,330 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fixed first 3 years 5.20% then variable 7.68%* (IRCC + 2.10pp)
Monthly rate
Starting from 2,133 lei
DAE (Annual effective interest rate)**
7,27%
Total cost of credit
330,840 lei
Total amount to be paid
630,840 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fixed first 3 years 5.20% then variable 7.68%* (IRCC + 2.10pp)
Monthly rate
1,647 lei
DAE (Annual effective interest rate)**
7,37%
Total cost of credit
444,988 lei
Total amount to be paid
744.987 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 8.73%* (IRCC + 3.15pp)
Monthly rate
Starting from 3,016 lei
DAE (Annual effective interest rate)**
9,23%
Total cost of credit
399,456 lei
Total amount to be paid
699,456 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
Value of the real estate
352.941 lei
Minimum advance (%)
15%
Minimum advance payment value
52,941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 8.73%* (IRCC + 3.15pp)
Monthly rate
2.356 lei
DAE (Annual effective interest rate)**
9,20%
Total cost of credit
553,604 lei
Total amount to be paid
853,604 lei
*In the case of mortgage loans with variable interest rates, this is made up of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total amount to be paid.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary fees). You can obtain additional information by visiting any BT unit.
