Amid higher banking risks arising from the Dation in Payment Law, Banca Transilvania is increasing the minimum down payment on loans secured by real estate. At the same time, BT has decided to continue supporting those who want to purchase their first home by setting more relaxed down‑payment terms.

Thus, for home purchases, the new down‑payment ranges for mortgage loans start at 20% for first‑time homebuyers and go up to 35%, depending on the currency and the type of collateral.

Specifically, to facilitate access to financing for first‑home buyers, for loans in lei of up to 125,000 euro (equivalent) intended for the purchase of a property, the required down payment is 20%.

For loans in lei that do not meet the first‑home criteria and the amount cap (125,000 euro), the standard down payment is 25%.

For euro‑denominated loans, the standard down payment starts at 30%.

Banca Transilvania’s new requirements take effect on Monday, May 16 and will apply only to loans for which applications are filed with the bank starting on that date.