COMPARE
CONSUMER LOANS
Lei/Euro
Lei/Euro
Lei
Lei/Euro
Lei/Euro
Lei/Euro
Lei/Euro
Lei/Euro
Lei
Lei/Euro
Lei/Euro
Lei/Euro
Up to 5 years.
Up to 5 years.
Up to 10 years.
Maximum 10 years for loans without real estate guarantee and maximum 30 years for loans with real estate guarantee.
Up to 2 years for the Work and Travel program, up to 10 years for loans granted with movable mortgage, and up to 20 years for loans granted with real estate mortgage.
From 12 to 60 months.
Up to 5 years.
Up to 5 years.
Up to 10 years.
Maximum 10 years for loans without real estate guarantee and maximum 30 years for loans with real estate guarantee.
Up to 2 years for the Work and Travel program, up to 10 years for loans granted with movable mortgage, and up to 20 years for loans granted with real estate mortgage.
From 12 to 60 months.
Refinancing a loan from another bank brings you a lower interest rate.
The solution for financing high-value purchases, without mentioning the destination of the money.
You do not need to bring the property as collateral.
Long lending period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for professional development/specialization or financial support for the Work&Travel program.
You can configure the financing parameters through Advance/residual value. You benefit from a complete package: financing, advantageous insurance, and vehicle registration logistics.
Refinancing a loan from another bank brings you a lower interest rate.
The solution for financing high-value purchases, without mentioning the destination of the money.
You do not need to bring the property as collateral.
Long lending period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for professional development/specialization or financial support for the Work&Travel program.
You can configure the financing parameters through Advance/residual value. You benefit from a complete package: financing, advantageous insurance, and vehicle registration logistics.
For all your dreams and needs.
For the financing of high-value acquisitions.
You purchase, build, extend, arrange or finish your home. And it is also valid for land.
For medical care, including treatment with medications.
- Funding tuition fees and other specific expenses involved in carrying out studies, specialization or qualification courses.
- Work&Travel: financing the expenses related to the registration fee, other fees (SEVIS fee, Consular fee, etc.), the cost of the plane ticket, pocket expenses: maximum 15% of the credit value)
For the purchase of a new or used vehicle, not older than 10 years, at the time of lease termination.
For all your dreams and needs.
For the financing of high-value acquisitions.
You purchase, build, extend, arrange or finish your home. And it is also valid for land.
For medical care, including treatment with medications.
- Funding tuition fees and other specific expenses involved in carrying out studies, specialization or qualification courses.
- Work&Travel: financing the expenses related to the registration fee, other fees (SEVIS fee, Consular fee, etc.), the cost of the plane ticket, pocket expenses: maximum 15% of the credit value)
For the purchase of a new or used vehicle, not older than 10 years, at the time of lease termination.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior.
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
The credit holder can be:
- The credit beneficiary, if they generate income;
- The beneficiary's parents or legal guardian, if the beneficiary does not earn income.
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
The credit holder can be:
- The credit beneficiary, if they generate income;
- The beneficiary's parents or legal guardian, if the beneficiary does not earn income.
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes).
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months.
Loans in lei with income collection at BT:
- between 6.49% and 17.20% fixed interest
- 12,58%* (IRCC + 7.00pp) variable interest rate for loans without life and unemployment insurance
- 12,08%* (IRCC + 6.50pp) variable interest rate for loans with life and unemployment insurance
Loans in lei without income collection at BT:
- between 10.25% and 18.50% fixed interest
- 12,83%* (IRCC + 7.25pp) variable interest rate for loans without life and unemployment insurance
- 12,33%* (IRCC + 6.75pp) variable interest rate for loans with life and unemployment insurance
Credits in euro:
- 8,98%* (EURIBOR6M + 6.50pp) variable interest rate for loans without life and unemployment insurance
- 8,48%* (EURIBOR6M + 6.00pp) variable interest for life and unemployment insurance loans
Loans with income collection at BT:
- 10,33%* (IRCC + 4.75pp) for loans in lei, variable interest
- 7,73%* (EURIBOR6M + 5.25pp) for euro loans, variable interest
Loans without income collection at BT:
- 10,83%* (IRCC + 5.25pp) for loans in lei, variable interest
- 7,98%* (EURIBOR6M + 5.50pp) for euro loans, variable interest
Loans with income collection at BT:
- 12,08%* (IRCC + 6.50pp) variable interest rate for loans in lei
Loans without income collection at BT:
- 13,08%* (IRCC + 7.50pp) variable interest for loans in lei
Mortgage loans:
- 9,83%* (IRCC + 4.25pp) variable interest, for loans in lei
- 7,98%* (EURIBOR6M + 5.50pp) variable interest, for loans in euros
Loans without real estate mortgage:
- 12,33%* (IRCC + 6.75pp) variable interest, for loans in lei
- 8,98%* (EURIBOR6M + 6.50pp) variable interest, for loans in euro
Loans with income collection at BT and movable mortgage up to 10 years:
- 13.33%* (IRCC + 7.75pp) variable interest rate in lei
- 9.48%* (EURIBOR6M + 7.00pp) variable interest rate in euro
Loans without income collection at BT and with a movable mortgage up to 10 years:
- 14.33%* (IRCC + 8.75pp) variable interest in lei
- 10.48%* (EURIBOR6M + 8.00pp) variable interest in euros
Loans without income collection at BT and with real estate mortgage up to 20 years:
- 9.58%* (IRCC + 4.00pp) variable interest in lei
- 8.98%* (EURIBOR6M + 6.50pp) variable interest in euro
Loans with income collection at BT through the Work&Travel program:
- 9.00% fixed interest in lei
- 8.00% fixed interest in euros
Loans without income collection at BT through the Work&Travel program:
- 10.00% fixed interest in lei
- 9.00% fixed interest rate in euro
- 10.50% fixed interest rate for the entire lending period
Loans in lei with income collection at BT:
- between 6.49% and 17.20% fixed interest
- 12,58%* (IRCC + 7.00pp) variable interest rate for loans without life and unemployment insurance
- 12,08%* (IRCC + 6.50pp) variable interest rate for loans with life and unemployment insurance
Loans in lei without income collection at BT:
- between 10.25% and 18.50% fixed interest
- 12,83%* (IRCC + 7.25pp) variable interest rate for loans without life and unemployment insurance
- 12,33%* (IRCC + 6.75pp) variable interest rate for loans with life and unemployment insurance
Credits in euro:
- 8,98%* (EURIBOR6M + 6.50pp) variable interest rate for loans without life and unemployment insurance
- 8,48%* (EURIBOR6M + 6.00pp) variable interest for life and unemployment insurance loans
Loans with income collection at BT:
- 10,33%* (IRCC + 4.75pp) for loans in lei, variable interest
- 7,73%* (EURIBOR6M + 5.25pp) for euro loans, variable interest
Loans without income collection at BT:
- 10,83%* (IRCC + 5.25pp) for loans in lei, variable interest
- 7,98%* (EURIBOR6M + 5.50pp) for euro loans, variable interest
Loans with income collection at BT:
- 12,08%* (IRCC + 6.50pp) variable interest rate for loans in lei
Loans without income collection at BT:
- 13,08%* (IRCC + 7.50pp) variable interest for loans in lei
Mortgage loans:
- 9,83%* (IRCC + 4.25pp) variable interest, for loans in lei
- 7,98%* (EURIBOR6M + 5.50pp) variable interest, for loans in euros
Loans without real estate mortgage:
- 12,33%* (IRCC + 6.75pp) variable interest, for loans in lei
- 8,98%* (EURIBOR6M + 6.50pp) variable interest, for loans in euro
Loans with income collection at BT and movable mortgage up to 10 years:
- 13.33%* (IRCC + 7.75pp) variable interest rate in lei
- 9.48%* (EURIBOR6M + 7.00pp) variable interest rate in euro
Loans without income collection at BT and with a movable mortgage up to 10 years:
- 14.33%* (IRCC + 8.75pp) variable interest in lei
- 10.48%* (EURIBOR6M + 8.00pp) variable interest in euros
Loans without income collection at BT and with real estate mortgage up to 20 years:
- 9.58%* (IRCC + 4.00pp) variable interest in lei
- 8.98%* (EURIBOR6M + 6.50pp) variable interest in euro
Loans with income collection at BT through the Work&Travel program:
- 9.00% fixed interest in lei
- 8.00% fixed interest in euros
Loans without income collection at BT through the Work&Travel program:
- 10.00% fixed interest in lei
- 9.00% fixed interest rate in euro
- 10.50% fixed interest rate for the entire lending period
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it consists of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
The interest rate remains fixed throughout the entire leasing period.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it consists of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, the interest rate consists of the bank's fixed margin plus the IRCC reference index or the 6-month EURIBOR and varies depending on the evolution of the reference indices. The interest will be updated and modified quarterly by the bank, depending on the evolution of the monetary indices IRCC or the 6-month EURIBOR. Fluctuations in the reference indices and exchange rate may affect the monthly payment amount.
The interest rate remains fixed throughout the entire leasing period.
Zero
Zero
40%
It is not the case.
Zero
- 20% for leasing in lei
- 25% for leasing in euro
Zero
Zero
40%
It is not the case.
Zero
- 20% for leasing in lei
- 25% for leasing in euro
250,000 lei or the equivalent in euros
1,200,000 lei or equivalent in euros
250,000 lei
250,000 lei or the equivalent in euros
- 3,500 euros (or equivalent lei) for the Work&Travel program;
- 20,000 euros (or equivalent lei) for study loans with movable guarantee;
- 150,000 euro (or equivalent lei) for study loans with real estate collateral.
The maximum amount is limited only by the value of the car purchased through leasing.
250,000 lei or the equivalent in euros
1,200,000 lei or equivalent in euros
250,000 lei
250,000 lei or the equivalent in euros
- 3,500 euros (or equivalent lei) for the Work&Travel program;
- 20,000 euros (or equivalent lei) for study loans with movable guarantee;
- 150,000 euro (or equivalent lei) for study loans with real estate collateral.
The maximum amount is limited only by the value of the car purchased through leasing.
Taxes and commissions
200 lei or 50 euros
500 lei or 100 euros
200 lei
200 lei/50 euro, loan without mortgage 500 lei/100 euro, loan with mortgage
200 lei/50 euro, loans up to 10 years with movable mortgage 500 lei/100 euro, loans up to 20 years with real estate mortgage
2,975 lei/595 euro including VAT, only under the conditions of signing the leasing contract.
200 lei or 50 euros
500 lei or 100 euros
200 lei
200 lei/50 euro, loan without mortgage 500 lei/100 euro, loan with mortgage
200 lei/50 euro, loans up to 10 years with movable mortgage 500 lei/100 euro, loans up to 20 years with real estate mortgage
2,975 lei/595 euro including VAT, only under the conditions of signing the leasing contract.
0 lei
150 lei/year
0 lei
100 lei for the credit in lei with real estate mortgage, free otherwise
0 lei/0 euro, loans up to 10 years with movable mortgage 150 lei loans, up to 20 years with real estate mortgage
59.50 lei/11.9 euro, VAT included/month
0 lei
150 lei/year
0 lei
100 lei for the credit in lei with real estate mortgage, free otherwise
0 lei/0 euro, loans up to 10 years with movable mortgage 150 lei loans, up to 20 years with real estate mortgage
59.50 lei/11.9 euro, VAT included/month
50 lei/service
100 lei/service
50 lei/service
50 lei/service for unsecured loan 100 lei/service for secured loan
50 lei/service
238 lei VAT included/service
50 lei/service
100 lei/service
50 lei/service
50 lei/service for unsecured loan 100 lei/service for secured loan
50 lei/service
238 lei VAT included/service
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
1130.5 lei/226.10 euro, including VAT tax for logistic services
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
88.40 lei/guarantee
1130.5 lei/226.10 euro, including VAT tax for logistic services
2.80% of the loan value, in the case of concluding the life and unemployment/hospitalization insurance from Metropolitan; it is paid in a single installment, at the granting of the loan (from own sources or from credit)
0.12% of the value of the property provided as collateral in case of conclusion of the voluntary Groupama policy exclusively in BT units
0.12% of the value of the property provided as collateral in case of conclusion of the voluntary Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in the case of concluding the optional Groupama policy exclusively in BT units, in the case of a mortgage loan
2.80% of the loan value, in the case of concluding the life and unemployment/hospitalization insurance from Metropolitan; it is paid in a single installment, at the granting of the loan (from own sources or from credit)
0.12% of the value of the property provided as collateral in case of conclusion of the voluntary Groupama policy exclusively in BT units
0.12% of the value of the property provided as collateral in case of conclusion of the voluntary Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in the case of concluding the optional Groupama policy exclusively in BT units, in the case of a mortgage loan
0 lei for the loan with variable interest rate 0.5% of the repaid amount if the repayment is made less than 12 months before the maturity date or 1% otherwise, for the loan with fixed interest rate
0 lei
0 lei
0 lei
0 lei, for loans with variable interest 0.5% of the amount repaid, if the repayment is made less than 12 months before maturity or 1% otherwise, for loans with fixed interest
0.5% of the reimbursed amount, if the reimbursement is made less than 12 months before the due date, or 1% otherwise
0 lei for the loan with variable interest rate 0.5% of the repaid amount if the repayment is made less than 12 months before the maturity date or 1% otherwise, for the loan with fixed interest rate
0 lei
0 lei
0 lei
0 lei, for loans with variable interest 0.5% of the amount repaid, if the repayment is made less than 12 months before maturity or 1% otherwise, for loans with fixed interest
0.5% of the reimbursed amount, if the reimbursement is made less than 12 months before the due date, or 1% otherwise
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
416.50 lei/83.3 euros, including VAT (only in the case of used cars)
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
416.50 lei/83.3 euros, including VAT (only in the case of used cars)
The insurance of the building is mandatory in the case of a loan secured by a real estate mortgage.
The property insurance is mandatory in the case of a loan secured with a real estate mortgage.
RCA and CASCO insurance for cars are mandatory, concluded by BT Leasing and paid by the client.
The insurance of the building is mandatory in the case of a loan secured by a real estate mortgage.
The property insurance is mandatory in the case of a loan secured with a real estate mortgage.
RCA and CASCO insurance for cars are mandatory, concluded by BT Leasing and paid by the client.
Necessary Documents
Only in the case of mortgage-backed loan
Only in the case of mortgage-backed loan
Only in the case of mortgage-backed loan
Only in the case of mortgage-backed loan
- For the purchase of a property – preliminary contract/sale-purchase contract, construction contract or adjudication report, with mention of the payment of a minimum 40% advance (certified copy).
- For construction/completion/extension – building permit, technical project, general estimate with utility approvals and financing plan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For modernization/arrangement – estimated budget, including works carried out max. 6 months before the credit request; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited into account – account statement.
- Proforma invoice/fiscal invoice/estimate etc., issued by the medical unit (original or copy), specifying the value of the medical services to be financed and containing all the necessary data for making the payment to the account of the medical institution (name; tax code; IBAN account; beneficiary's bank; beneficiary's bank code, if applicable; amount to be paid)
- Property deeds of the building serving as collateral for the loan, in the case of loans guaranteed with real estate mortgage
- Other specific documents from which the object of this credit results
- Certificate/invoice issued by the educational institution stating the status of trainee/student
- Tuition fees
- Supporting documents related to assimilated expenses (other than the study fee), from which the amounts payable can be derived
Specific documents for Work & Travel:
- Contract concluded between the student and the Work & Travel program intermediary company
- Document completed and signed by the intermediary company certifying the average level of expenses related to the stay abroad
- Job offer/internship contract (signed by the American/European employer)
- Airplane ticket
- Copy of the student's passport with the US visa – later – for the provision of the second installment of the loan – if applicable
- For the purchase of a property – preliminary contract/sale-purchase contract, construction contract or adjudication report, with mention of the payment of a minimum 40% advance (certified copy).
- For construction/completion/extension – building permit, technical project, general estimate with utility approvals and financing plan; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For modernization/arrangement – estimated budget, including works carried out max. 6 months before the credit request; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited into account – account statement.
- Proforma invoice/fiscal invoice/estimate etc., issued by the medical unit (original or copy), specifying the value of the medical services to be financed and containing all the necessary data for making the payment to the account of the medical institution (name; tax code; IBAN account; beneficiary's bank; beneficiary's bank code, if applicable; amount to be paid)
- Property deeds of the building serving as collateral for the loan, in the case of loans guaranteed with real estate mortgage
- Other specific documents from which the object of this credit results
- Certificate/invoice issued by the educational institution stating the status of trainee/student
- Tuition fees
- Supporting documents related to assimilated expenses (other than the study fee), from which the amounts payable can be derived
Specific documents for Work & Travel:
- Contract concluded between the student and the Work & Travel program intermediary company
- Document completed and signed by the intermediary company certifying the average level of expenses related to the stay abroad
- Job offer/internship contract (signed by the American/European employer)
- Airplane ticket
- Copy of the student's passport with the US visa – later – for the provision of the second installment of the loan – if applicable
