What is the difference between a real estate loan and a mortgage loan? - IntrebBT | Transilvania Bank

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What is the difference between a real estate loan and a mortgage loan?

Mortgage credit is more flexible and can finance a wide range of investments: homes, land, non-residential spaces, modernizations, or refinancing. The collateral can be any eligible property.

The mortgage loan is more restrictive: it is exclusively dedicated to the purchase or construction of a dwelling, and the collateral must be that very property.

Last update

2026-06-12

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Mortgage loan Mortgage credit