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
14 noiembrie 2026
LEI
300 000,00 LEI
30 years
5.1%
Fixed for the first 3 years, then variable
7.33%
1,629 LEI / month
743,304 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.
Banki szolgáltatások 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:
- Biztonság
- 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 more advantageous interest rate.
This is our way of encouraging energy-efficient homes and supporting you in choosing a more environmentally friendly property. 🌱
Of course. You can repay the loan at any time, either partially or in full.
If you have a variable interest rate, you do not pay an early repayment fee.
For fixed interest consumer loans, there is a legally established fee of:
➤ 1% of the loan amount repaid early, if the period between the early repayment and the loan contract termination date is more than one year;
➤ 0.5% of the loan amount repaid early, if the period between the early repayment and the loan contract termination date is not longer than one year.
It is good to know that, in the case of partial early repayment, you have the flexibility to reduce the loan term, the monthly payment amount, or both, whenever your budget allows. 🙂
Yes, the appraisal is necessary because the bank must determine the market value of the property offered as collateral.
The appraisal cost varies depending on the type of property and is borne by the client.
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 financed amount can be up to 85% of the property's value pledged as collateral for loans in RON and up to 80% for loans in EUR, depending on the purpose of the purchase, the type of property offered as collateral, and whether you own other properties.
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, eligible 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 minimum down payment of 15% for the loan in lei and a minimum of 20% for the one in euro.
We are waiting for you at any BT branch to get more details from one of our colleagues.
The maximum age depends on the type of loan, the repayment method, the income presented, etc.
The product classification and loan maturity are determined based on the eligibility criteria in Banca Transilvania's internal regulations.
We analyze each case separately to find the option that best suits your situation.
Yes, you can, if you choose a hitel secured by real estate mortgage.
You must have Romanian citizenship and income earned from indefinite-term employment contracts carried out abroad, with a minimum seniority of one year.
For mortgage loan, the advance payment is mandatory:
➤ minimum
- 15% for loans in RON;
- ➤ minimum 20% for euro loans.
For purchasing a home, there is no zero down payment loan option.
If you do not have the necessary advance at this moment, one of our colleagues from BT units can help you explore the available alternatives.
Yes, you can access a mortgage loan together with your life partner, provided that both individuals meet the bank's eligibility criteria.
In this situation, the incomes of both applicants can be taken into account in the credit analysis, which may contribute to obtaining a higher loan amount, while meeting the eligibility conditions set out in BT's internal regulations.
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 paid in cash or transferred to the account at Banca Transilvania. You can also prove it with 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.
to be stable and documented income.
BT accepts a wide range of incomes, as long as they are permanent and can be proven. In addition to salary income, the following are eligible:
➤
- pensions;
➤ - rents;
➤ - dividends;
➤ income from - independent activities (PFA, liberal professions, etc.);
➤ - diurnal;
➤ - life annuities;
➤ - intellectual property rights;
➤
salary income earned abroad, etc.
It is important that the income is stable and documented.
Yes, if the debt-to-income ratio remains within legal limits and your income allows for the payment of a new installment.
We analyze each situation individually to see what options you have.
The process takes, on average, 2 weeks from the submission of the complete file and includes the analysis hitel, 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 timeframe, depending on your situation.
- Signing
- the contract at the notary. The signing
- available balance.
The steps to obtain a mortgage loan are:
➤ simulation in unit;
➤ discussion with a specialist;
➤ submitting documents;
➤ legal and financial analysis of the file;
➤ property appraisal;
➤ final approval;
➤ signing the contract at the notary;
➤ making the amount available.
Yes, you can get a pre-approval that indicates the approximate amount you can access, so you can look for homes within your budget.
This is a useful step to attend viewings knowing in advance the budget you can afford. 🏠
If you have initiated a personal needs loan 100% online, you can see its status directly in BT Pay.
For other types of loans, your relationship manager provides updates whenever you need them.
Refinancing is the process of requesting a new hitel 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 information you need and with a personalized calculation.
Refinancing of a mortgage real estate credit At BT, you can enjoy several benefits. In short, you can benefit from:
➤ interest rates
- competitive, which can bring you a lower monthly rate;
➤ the option to change the interest type, from variable interest to fixed interest for a certain period or vice versa;
➤ the possibility to- modify the loan term;
➤ - access to digital services, so that hoz you can manage your loan more easily from the app.
To start the refinancing process of real estate loan at BT, you will basically need:
➤ the document
- identity card;
➤ documents - related to the income earned;
➤ documents - related to the loan for which you are requesting refinancing, for example: the loan agreement, the repayment schedule, the refinancing letter, etc.;
➤ documents - related to the property that will be provided as collateral.
Your
we recommend that you request, in units of Transilvania Bank, the complete list of documents required to obtain the loan, customized according to your profile, the loan purpose, and the type of property offered as collateral.
Refinancing cost of a mortgage-credit-property depends on several factors, such as the interest rate, the remaining amount to be repaid, and whether you refinance with the same bank or another bank.
You should take the following costs into account:
➤ file review fee;
➤ cost- evaluation report;
➤- expenses
- notarial;
➤ property insurance;
➤ other - operational expenses, for example, the conditional payment order.
Colleagues
tól BT units I can help you with more information, depending on the situation you are in.
Payment history matters for obtaining 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 right solution for your situation.
Of course. 😊 BT offers 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 can make the right decision for you.
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 can make the right decision for you.
Upon refinancing, the existing mortgage, established in favor of the current bank, is cancelled 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 fees.
The process is managed mostly by your BT advisor, but your presence at the notary will be required to sign the documents.
Yes, the credit 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.
If your financial situation has improved, you may be able to access refinancing without a co-borrower.
Also, if the initial loan was taken out jointly with a partner, and in the meantime changes have occurred, such as divorce or separation, refinancing can be a solution for one of the partners to take over the loan.
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 for mortgage loans granted in RON) or a variable interest rate for the entire contract period.
Variable interest rate: The interest rate is set based on the IRCC/EURIBOR reference indices, plus a fixed margin. In this case, throughout the entire loan term, the installments will fluctuate according to the evolution of reference indices mentioned, with updates carried out quarterly.
Fixed interest rate
- introductory, then variable (only for mortgage loans granted in RON): The interest rate remains unchanged for a certain period. After this period expires, the interest rate becomes variable and is set based on the IRCC reference index, plus the bank's fixed margin.
Your BT consultant can explain the differences between options and help you make the right decision for you.
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.
