• The new loan is BT’s most affordable home loan.
• A green home means a healthier environment, lower utility bills and higher living standards.
• BT is the first bank in Romania to have provided financing for residential energy efficiency, starting in 2007.

Banca Transilvania is launching the Green mortgage, designed to encourage the purchase of energy‑efficient properties. For loans taken out by the end of the year, the new product comes with a variable interest rate of 4.77% in RON, available both for new lending and for refinancing.

BT’s offer means instalments up to 5% lower than a standard BT mortgage throughout the entire loan term. A green home means a healthier environment, lower utility costs, a smaller carbon footprint and higher living standards.

BT’s commitment to sustainability and responsible growth

BT is the first bank in Romania to have provided financing for energy efficiency in the residential sector in Romania, using EBRD funds — a step taken in 2017. Financing energy efficiency for the residential sector is the third area in which BT has been active; the first steps were taken 10 years ago to improve the energy efficiency of SME clients’ economic activities, as well as for sustainable growth projects carried out by public entities. In addition to financing under partnerships with BERD, IFC and EEEF, Banca Transilvania Financial Group supports environmentally friendly projects from its own resources and uses advanced environmental risk assessment models. For the bank, #ThinkGreen means, beyond green loans and supporting sustainable business ideas, using natural resources responsibly, offering online banking solutions, green lending and reforestation initiatives — all part of the BT Commitment to Responsible Growth.

What BT’s newest loan offers:

• It is for properties with superior energy performance, with an Energy Performance Certificate rated A or high B, and a specific annual consumption of up to 163 kWh/m².
• It is granted in RON, requires a 15% down payment, and has a loan term from 5 to 30 years.
• The interest rate is 4.77%, made up of IRCC + a fixed margin of 2.6 p.p.
• For approval, permanent income is taken into account: salaries, pensions, rent, dividends, foreign income with at least a one‑year history, etc.

The first steps towards your new green home can be taken online, on the bank’s website, by simulating a loan using the Instalment Calculator and by requesting a consultation.

For example, for a loan of RON 200,000 over 30 years, with 360 equal instalments and an annual interest rate of 4.77% (IRCC 2.17% plus a fixed margin of 2.60%), the monthly instalment is about RON 1,045.