Examples
representative
Choose the type of credit
Mortgage loan in lei with introductory fixed interest rate for 3 years, with income collection at BT (decreasing installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fix the first 3 years at 5.10%, then variable at 7.67%* (IRCC + 2.10pp)
Monthly rate
Starting from 2,108 lei
DAE (Annual Percentage Rate)**
7,23%
Total cost of credit
329,768 lei
Total amount to be paid
629,768 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.
Mortgage-backed real estate credit in lei with introductory fixed interest for 3 years, with income collection at BT (equal installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fix the first 3 years at 5.10%, then variable at 7.67%* (IRCC + 2.10pp)
Monthly rate
1.629 lei
DAE (Annual Percentage Rate)**
7,33%
Total cost of credit
443,305 lei
Total amount to be paid
743,304 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.
Mortgage credit in lei with introductory fixed interest for 5 years, with income collection at BT (decreasing installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fix the first 5 years at 5.45%, then variable at 7.77%* (IRCC + 2.20pp)
Monthly rate
Starting from 2,196 lei
DAE (Annual Percentage Rate)**
7,04%
Total cost of credit
324,338 lei
Total amount to be paid
624,338 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.
Mortgage loan in lei with fixed introductory interest rate for 5 years, with income collection at BT (equal installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Fix the first 5 years at 5.45%, then variable at 7.77%* (IRCC + 2.20pp)
Monthly rate
1,694 lei
DAE (Annual Percentage Rate)**
7,16%
Total cost of credit
436,520 lei
Total amount to be paid
736,520 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.
Real estate mortgage loan in lei with variable interest rate, with income collection at BT (decreasing installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 8.72%* (IRCC + 3.15pp)
Monthly rate
Starting from 3,013 lei
DAE (Annual Percentage Rate)**
9,22%
Total cost of credit
399,155 lei
Total amount to be paid
699,155 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.
Mortgage loan in lei with variable interest rate, with income collection at BT (equal installments)
Property value
352.941 lei
Minimum advance (%)
15%
Minimum advance amount
52.941 lei
Credit value
300,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 8.72%* (IRCC + 3.15pp)
Monthly rate
2,354 lei
DAE (Annual Percentage Rate)**
9,19%
Total cost of credit
552,983 lei
Total amount to be paid
852,982 lei
*In the case of mortgage-imobiliar loans with variable interest, 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. The variation of the reference index, as well as income fluctuations, may influence the ability to pay loan installments or the total payment amount.
**DAE does not include costs charged by third parties, which are not known by BT (appraisal, insurance, notary costs). You can obtain additional information by visiting any BT unit.