Salary transfer
BT, ING, BCR and Raiffeisen document account or income conditions. An exact discount appears only when a current source publishes it.
Home-secured credit
Mortgage refinancing is not consumer-credit refinancing
The outstanding balance moves into a new contract secured by the property. A lower payment may come from a longer term, so real savings appear only after every switching cost is included.
Open calculatorConditions that may change pricing
Insurance
ING, BCR and Raiffeisen mention insurance in the product structure. Its premium belongs in the comparison.
Fixed-rate period
UniCredit publishes variants with different fixed periods. Compare the formula that follows the fixed period too.
A condition is not a separate offer. It is shown as an explanation with its bank source, without inflating the product count.
Useful calculation before switching
- Outstanding balance and remaining months.
- Remaining total cost if you keep the current bank.
- Valuation, documents, insurance and new account costs.
- New total cost to the end, not only the first payment.
Roman Dumitrescu, former BCR analyst: “Calculate refinancing in lei through the final payment. A lower monthly payment may hide more months of repayment.”
In 2026, ING publishes salary and insurance discounts separately, while UniCredit distinguishes standard and reduced pricing. This explains why two simulations from one bank can differ.
See the mortgage comparison too →What is confirmed
Banca Transilvania
Salary transfer · Energy-efficient home
Official source ↗ING Bank
Salary transfer · Life insurance · Energy class
Official source ↗UniCredit Bank
Standard pricing · Conditional reduced pricing · Different fixed-rate periods · Mortgage refinancing
Official source ↗ProCredit Bank
Mortgage refinancing
Official source ↗BCR
Salary transfer · Optional insurance
Official source ↗Raiffeisen Bank
Salary transfer · Life insurance
Official source ↗FAQ
Is mortgage refinancing the same as consumer refinancing?
No. The new contract is secured by the property and may include valuation, document and insurance costs.
Does a lower payment always mean savings?
No. A longer term and switching costs can increase the total paid.
Why is there no APR ranking here?
The available documents do not yet describe one complete matching scenario for every bank. A numeric ranking would imply false precision.
Calculate before moving the mortgage
Use the refinancing calculator, then ask the bank for the ESIS for your scenario.
Open calculator