- 4,79% introductory fixed interest rate for the first 3 years, then variable IRCC + 1.90%, if you receive your income into a BT account and want to purchase a residential property (including green property Energy Class A, residential use) or refinance a loan from another bank (including those secured by a green property Energy Class A).
- 6,70% introductory fixed interest rate for the first 3 years, then variable IRCC + 2.80%, if you do not receive your income in a BT account and want to purchase a residential property (including green property Energy Class A, with residential destination) or refinance a loan from another bank (including those secured by a green property Energy Class A).
- ZERO analysis fee
- ZERO property appraisal fee
- 2,000 lei voucher/notarial service for eligible refinancings*
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150 lei annual credit administration fee
*In the case of refinancing for mortgage/real estate loans contracted from other banks, a notarial fee facility of a net value of 2,000 lei is granted to all eligible applicant clients. Details here.
- 5.05% introductory fixed interest rate for the first 3 years, then variable IRCC + 2.10%, if you receive your income in an account at BT and want to purchase an A Class energy green residential property, or refinance a loan from another bank secured by an A Class energy green property.
- 5.10% introductory fixed interest rate for the first 3 years, then variable IRCC + 2.10%, if you receive your income in an account at BT and want to purchase a residential property or refinance a loan from another bank.
- 6.70% introductory fixed interest rate for the first 3 years, then variable IRCC + 2.80%, if you do not receive your income in an account at BT and wish to purchase a residential property (including green property Energy Class A, with residential use) or refinance a loan from another bank (including those secured by a green property Energy Class A).
- 500 lei analysis fee
- 650 lei/apartment and 1,050 lei/house, villa, land and buildings property appraisal fee
- 2,000 lei voucher for notary fees*
- 150 lei/year credit administration fee
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*In the case of refinancing for mortgage/real estate loans contracted from other banks, a voucher/notarial fee facility in the net amount of 2,000 lei is granted to all eligible applicant clients. Details here.
Apply now
Fill in the form below.
Important
Completează formularul pentru a beneficia de ofertă. Apoi, te așteptăm într-o unitate BT până la data de 17 noiembrie 2026, inclusiv, pentru a primi și semna oferta personalizată (Formularul European cu Informații Standard - FEIS).
To save time and benefit from priority consulting, you can also schedule online at your preferred branch. 😊
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You have salary income, pensions, or other types of stable income for at least 3 months
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You have a good payment history
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You have prepared a down payment of at least 15% of the property value depending on: the purpose of the loan, the loan currency versus the currency in which your income is earned, and whether you own other properties
The loan term is a minimum of 48 months up to 30 years
If you already have a mortgage with another bank, you can benefit from better terms and a lower monthly payment by refinancing with BT.
You can take the loan together with your spouse, children, brothers/sisters, brothers-in-law/sisters-in-law, your spouse's parents, as well as your life partner
Loan amount
300,000 lei
Interest rate
4.79% fixed for the first 3 years, then variable IRCC + 1.90%
Loan term
30 years (360 equal installments)
Monthly installment amount
1,572 lei fixed for the first 3 years, then 2,052 lei
Annual Percentage Rate (APR)
7,06%
Total cost of the loan
426,092 lei
Total amount to pay
726,092 lei
Loan amount
300,000 lei
Interest rate
4.79% fixed for the first 3 years, then variable IRCC + 1.90%
Loan term
30 years (360 decreasing installments)
Monthly installment amount
starting from 2,031 lei in the first 3 years, then from 2,514 lei
Annual Percentage Rate (APR)
6,95%
Total cost of the loan
318,726 lei
Total amount to pay
618,726 lei
* The example was calculated assuming you receive your income at BT and want to purchase a residential property/a green residential property (energy class A) or refinance a loan from another bank. For the period when the variable interest rate applies, it consists of the bank's fixed margin and the IRCC reference index, with the interest rate changing according to the evolution of this index. The interest rate will be updated and adjusted quarterly by the bank, based on the IRCC monetary index. Changes in the reference index, as well as fluctuations in income, may affect the ability to pay loan installments or the total amount payable.
The annual credit administration fee of 150 lei is included in the total cost of the credit. The RNPM registration fee (National Register of Movable Property Publicity) of 88.40 lei per guarantee is included in the total cost of the credit. The mortgage loan is secured by the mortgage of a real estate asset in accordance with the applicable contractual and legal provisions. To grant the loan, it is necessary to conclude a mandatory home insurance (PAD), as well as optional property insurance.
Apply now
Fill in the form below.
ZERO comision de analiză & taxă de evaluare
You are one step closer to your new home. You get a fixed interest rate for the first 3 or 5 years and 2,000 lei vouchers for notary fees.
