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 collateral and maximum 30 years for loans with real estate collateral.
Up to 2 years for the Work and Travel program, up to 10 years for loans granted with movable property 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 collateral and maximum 30 years for loans with real estate collateral.
Up to 2 years for the Work and Travel program, up to 10 years for loans granted with movable property 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 acquisitions, without mentioning the purpose of the funds.
You do not need to bring the property as collateral.
Long credit period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for professional improvement/specialization or financial support for the Work&Travel program.
You can configure the financing parameters through Down Payment/residual value. You benefit from a complete package: financing, advantageous insurance, and the vehicle registration logistics.
Refinancing a loan from another bank brings you a lower interest rate.
The solution for financing high-value acquisitions, without mentioning the purpose of the funds.
You do not need to bring the property as collateral.
Long credit period. Maximum 10 years for loans without real estate collateral and maximum 30 years for loans with real estate collateral.
Financial support for professional improvement/specialization or financial support for the Work&Travel program.
You can configure the financing parameters through Down Payment/residual value. You benefit from a complete package: financing, advantageous insurance, and the vehicle registration logistics.
For all your dreams and needs.
For financing large value purchases.
You purchase, build, expand, arrange or finish your home. And it is also valid for lands.
For medical care, including treatment with medications.
- Financing the tuition fees and other specific expenses involved in undertaking studies, specialization or qualification courses.
- Work&Travel: financing expenses related to registration fee, other fees (SEVIS fee, Consular fee, etc.), the cost of the plane ticket, pocket expenses: maximum 15% of the loan amount)
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 financing large value purchases.
You purchase, build, expand, arrange or finish your home. And it is also valid for lands.
For medical care, including treatment with medications.
- Financing the tuition fees and other specific expenses involved in undertaking studies, specialization or qualification courses.
- Work&Travel: financing expenses related to registration fee, other fees (SEVIS fee, Consular fee, etc.), the cost of the plane ticket, pocket expenses: maximum 15% of the loan amount)
For the purchase of a new or used vehicle, not older than 10 years at the time of lease termination.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts on other loans, you have Romanian citizenship and a good payment behavior.
You do not have outstanding debts 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 loan holder can be:
- The loan beneficiary, if earning income;
- Parents of the beneficiary or the 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 loan holder can be:
- The loan beneficiary, if earning income;
- Parents of the beneficiary or the 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
- 12,56%* (IRCC + 7.00pp) variable interest rate for loans without life and unemployment insurance
- 12,06%* (IRCC + 6.50pp) variable interest for loans with life and unemployment insurance
Loans in lei without income collection at BT:
- between 10.25% and 18.50% fixed interest
- 12,81%* (IRCC + 7.25pp) variable interest rate for loans without life and unemployment insurance
- 12,31%* (IRCC + 6.75pp) variable interest rate for loans with life and unemployment insurance
Loans in euro:
- 9,07%* (EURIBOR6M + 6.50pp) variable interest for loans without life and unemployment insurance
- 8,57%* (EURIBOR6M + 6.00pp) variable interest rate for loans with life and unemployment insurance
Loans with income collection at BT:
- 10,31%* (IRCC + 4.75pp) for loans in lei, variable interest
- 7,82%* (EURIBOR6M + 5.25pp) for euro loans, variable interest
Loans without income collection at BT:
- 10,81%* (IRCC + 5.25pp) for loans in lei, variable interest
- 8,07%* (EURIBOR6M + 5.50pp) for loans in euros, variable interest
Loans with income collection at BT:
- 12,06%* (IRCC + 6.50pp) variable interest rate for loans in lei
Loans without income collection at BT:
- 13,06%* (IRCC + 7.50pp) variable interest rate for loans in lei
Mortgage loans:
- 9,81%* (IRCC + 4.25pp) variable interest, for loans in lei
- 8,07%* (EURIBOR6M + 5.50pp) variable interest, for loans in euros
Loans without real estate mortgage:
- 12,31%* (IRCC + 6.75pp) variable interest rate, for loans in lei
- 9,07%* (EURIBOR6M + 6.50pp) variable interest rate, for loans in euro
Loans with income collection at BT and movable mortgage up to 10 years:
- 13.31%* (IRCC + 7.75pp) variable interest rate in lei
- 9.57%* (EURIBOR6M + 7.00pp) variable interest in euros
Loans without income collection at BT and with chattel mortgage up to 10 years:
- 14.31%* (IRCC + 8.75pp) variable interest rate in lei
- 10.57%* (EURIBOR6M + 8.00pp) variable interest in euro
Loans without income collection at BT and with real estate mortgage up to 20 years:
- 9.56%* (IRCC + 4.00pp) variable interest in lei
- 9.07%* (EURIBOR6M + 6.50pp) variable interest in euros
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 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
- 12,56%* (IRCC + 7.00pp) variable interest rate for loans without life and unemployment insurance
- 12,06%* (IRCC + 6.50pp) variable interest for loans with life and unemployment insurance
Loans in lei without income collection at BT:
- between 10.25% and 18.50% fixed interest
- 12,81%* (IRCC + 7.25pp) variable interest rate for loans without life and unemployment insurance
- 12,31%* (IRCC + 6.75pp) variable interest rate for loans with life and unemployment insurance
Loans in euro:
- 9,07%* (EURIBOR6M + 6.50pp) variable interest for loans without life and unemployment insurance
- 8,57%* (EURIBOR6M + 6.00pp) variable interest rate for loans with life and unemployment insurance
Loans with income collection at BT:
- 10,31%* (IRCC + 4.75pp) for loans in lei, variable interest
- 7,82%* (EURIBOR6M + 5.25pp) for euro loans, variable interest
Loans without income collection at BT:
- 10,81%* (IRCC + 5.25pp) for loans in lei, variable interest
- 8,07%* (EURIBOR6M + 5.50pp) for loans in euros, variable interest
Loans with income collection at BT:
- 12,06%* (IRCC + 6.50pp) variable interest rate for loans in lei
Loans without income collection at BT:
- 13,06%* (IRCC + 7.50pp) variable interest rate for loans in lei
Mortgage loans:
- 9,81%* (IRCC + 4.25pp) variable interest, for loans in lei
- 8,07%* (EURIBOR6M + 5.50pp) variable interest, for loans in euros
Loans without real estate mortgage:
- 12,31%* (IRCC + 6.75pp) variable interest rate, for loans in lei
- 9,07%* (EURIBOR6M + 6.50pp) variable interest rate, for loans in euro
Loans with income collection at BT and movable mortgage up to 10 years:
- 13.31%* (IRCC + 7.75pp) variable interest rate in lei
- 9.57%* (EURIBOR6M + 7.00pp) variable interest in euros
Loans without income collection at BT and with chattel mortgage up to 10 years:
- 14.31%* (IRCC + 8.75pp) variable interest rate in lei
- 10.57%* (EURIBOR6M + 8.00pp) variable interest in euro
Loans without income collection at BT and with real estate mortgage up to 20 years:
- 9.56%* (IRCC + 4.00pp) variable interest in lei
- 9.07%* (EURIBOR6M + 6.50pp) variable interest in euros
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 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it is composed of the bank's fixed margin plus the IRCC reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, based 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it is composed of the bank's fixed margin plus the IRCC reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, based 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 6-month reference index IRCC or EURIBOR and varies according to the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, according to the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations of the reference indices and the 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 the equivalent in euro
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 in lei) for study loans with movable collateral;
- 150,000 euros (or equivalent lei) for study loans with real estate collateral.
The maximum amount is limited only by the value of the car purchased under the lease.
250,000 lei or the equivalent in euros
1,200,000 lei or the equivalent in euro
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 in lei) for study loans with movable collateral;
- 150,000 euros (or equivalent lei) for study loans with real estate collateral.
The maximum amount is limited only by the value of the car purchased under the lease.
Taxes and fees
200 lei or 50 euro
500 lei or 100 euros
200 lei
200 lei/50 euro, credit without mortgage 500 lei/100 euro, credit 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
3025lei/605 euro with VAT included, only under the conditions of signing the leasing contract
200 lei or 50 euro
500 lei or 100 euros
200 lei
200 lei/50 euro, credit without mortgage 500 lei/100 euro, credit 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
3025lei/605 euro with VAT included, only under the conditions of signing the leasing contract
0 lei
150 lei/year
0 lei
100 lei for the loan in lei with the real estate mortgage, free otherwise
0 lei/0 euro, credits up to 10 years with movable mortgage 150 lei credits, up to 20 years with real estate mortgage
60.5 lei/12.1 euro including VAT
0 lei
150 lei/year
0 lei
100 lei for the loan in lei with the real estate mortgage, free otherwise
0 lei/0 euro, credits up to 10 years with movable mortgage 150 lei credits, up to 20 years with real estate mortgage
60.5 lei/12.1 euro including VAT
50 lei/service
100 lei/service
50 lei/service
50 lei/service for unsecured loan 100 lei/service for secured loan
50 lei/service
242 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
242 lei VAT included/service
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
1149.5 lei/229.9 euro with VAT included tax for logistic services
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
88.40 lei/warranty
1149.5 lei/229.9 euro with VAT included tax for logistic services
2.80% of the loan value, in case of concluding life insurance and unemployment/hospitalization from Metropolitan; it is paid in a single installment, at the granting of the loan (from own sources or from the loan)
0.12% of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in case of signing the optional Groupama policy exclusively in BT units, in case of mortgage loan
2.80% of the loan value, in case of concluding life insurance and unemployment/hospitalization from Metropolitan; it is paid in a single installment, at the granting of the loan (from own sources or from the loan)
0.12% of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
0.12% of the value of the property brought as collateral in case of signing the optional Groupama policy exclusively in BT units, in case of mortgage loan
0 lei for the loan with a variable interest rate of 0.5% of the repaid amount if the repayment is made less than 12 months before the due date or 1% otherwise, for the loan with a fixed interest rate
0 lei
0 lei
0 lei
0 lei, for loans with variable interest 0.5% of the repaid amount, if the repayment is made less than 12 months before maturity or 1% otherwise, for loans with fixed interest
0.5% of the refunded amount, if the refund is made less than 12 months before the due date or 1% otherwise
0 lei for the loan with a variable interest rate of 0.5% of the repaid amount if the repayment is made less than 12 months before the due date or 1% otherwise, for the loan with a fixed interest rate
0 lei
0 lei
0 lei
0 lei, for loans with variable interest 0.5% of the repaid amount, if the repayment is made less than 12 months before maturity or 1% otherwise, for loans with fixed interest
0.5% of the refunded amount, if the refund 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.
423.5 lei/84.7 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.
423.5 lei/84.7 euros including VAT (only in the case of used cars)
The insurance of the property is mandatory in the case of a loan secured with a real estate mortgage.
Property insurance is mandatory in the case of a loan secured by a real estate mortgage.
RCA and CASCO insurance for vehicles are mandatory, concluded by BT Leasing and paid by the client.
The insurance of the property is mandatory in the case of a loan secured with a real estate mortgage.
Property insurance is mandatory in the case of a loan secured by a real estate mortgage.
RCA and CASCO insurance for vehicles are mandatory, concluded by BT Leasing and paid by the client.
Necessary Documents
Only in the case of mortgage-secured credit
Only in the case of mortgage-secured credit
Only in the case of mortgage-secured credit
Only in the case of mortgage-secured credit
- For the purchase of a property – preliminary contract/sale-purchase contract, construction contract or award report, mentioning 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 cost, including works performed max. 6 months before the loan request; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited into account – account statement.
- Pro forma invoice/tax 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 data necessary to make 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)
- Deeds of ownership of the property representing the loan collateral, in the case of loans guaranteed by real estate mortgage
- Other specific documents from which the purpose of this loan is to result
- Certificate/invoice issued by the educational institution showing the status of trainee/student
- Tuition fees
- Supporting documents related to assimilated expenses (other than the study fee), from which the amounts to be paid must result
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 release of the second installment of the loan – if applicable
- For the purchase of a property – preliminary contract/sale-purchase contract, construction contract or award report, mentioning 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 cost, including works performed max. 6 months before the loan request; supporting documents only for 50% of the amount; the rest can be withdrawn for labor.
- For advance deposited into account – account statement.
- Pro forma invoice/tax 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 data necessary to make 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)
- Deeds of ownership of the property representing the loan collateral, in the case of loans guaranteed by real estate mortgage
- Other specific documents from which the purpose of this loan is to result
- Certificate/invoice issued by the educational institution showing the status of trainee/student
- Tuition fees
- Supporting documents related to assimilated expenses (other than the study fee), from which the amounts to be paid must result
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 release of the second installment of the loan – if applicable
