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
16 iunie 2026
LEI
5,950.00 LEI
30 years
5.09%
Fixed in the first 2 years, then variable
13.24%
32 LEI / month
20,209 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. 😃
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.
- 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.
When refinancing a mortgage loan it is important to take into account a few specific costs of this process. Refinancing involves concluding a new loan and transferring the mortgage to the new bank, which entails expenses:
- Analysis Commission
- Property appraisal fee
- Notarial fees – for the authentication of documents and the registration of the guarantee
- Possible administrative expenses – may include various fees specific to the refinancing process
- Mandatory insurance
For the refinancing process, you will need the following basic documents*:
- Identity document;
- ANAF agreement – for income verification;
- The property deeds of the building;
- Home evaluation report;
- Documentation of the loan you want to refinance.
* The list of required documents is for example purposes. We invite you to request, in units of Transilvania Bank, the complete list of documents required for obtaining credit (personalized according to your profile, the purpose of the loan, and the type of property brought as collateral).
Yes. You can add a co-debtor (your life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents/your spouse’s parents) in the refinancing process, and this can help you obtain a larger amount or more easily meet the eligibility criteria.
It is a useful solution especially when individual incomes are not sufficient for the desired amount.
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly installment.
Such a change can lead to a lower rate and a reduced total cost of credit. Practically, you can get more stability and better control over your budget.
Compare three essential things:
- Current monthly rate vs. new rate;
- Current interest vs. new interest;
- Monthly savings vs. refinancing costs (notary, evaluation, commission).
If the savings exceed the costs, refinancing is advantageous.
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.
