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
Fixed first 3 years 5.10% then variable 7.66%* (IRCC + 2.10pp)
Monthly rate
Starting from 2,108 lei
DAE (Annual Percentage Rate)**
7,22%
Total cost of credit
329.402 lei
Total amount to be paid
629,402 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
Fixed first 3 years 5.10% then variable 7.66%* (IRCC + 2.10pp)
Monthly rate
1.629 lei
DAE (Annual Percentage Rate)**
7,32%
Total cost of credit
442,681 lei
Total amount to be paid
742,680 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
Fixed first 5 years 5.45% then variable 7.76%* (IRCC + 2.20pp)
Monthly rate
Starting from 2,196 lei
DAE (Annual Percentage Rate)**
7,03%
Total cost of credit
324.024 lei
Total amount to be paid
624.024 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
Fixed first 5 years 5.45% then variable 7.76%* (IRCC + 2.20pp)
Monthly rate
1,694 lei
DAE (Annual Percentage Rate)**
7,16%
Total cost of credit
435.974 lei
Total amount to be paid
735,973 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 8.71%* (IRCC + 3.15pp)
Monthly rate
Starting from 3,011 lei
DAE (Annual Percentage Rate)**
9,21%
Total cost of credit
398,704 lei
Total amount to be paid
698.704 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 8.71%* (IRCC + 3.15pp)
Monthly rate
2.352 lei
DAE (Annual Percentage Rate)**
9,18%
Total cost of credit
552,210 lei
Total amount to be paid
852,210 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.
