What does the “variable interest rate” mean on loans? - IntrebBT | Transylvania Bank

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What does the “variable interest rate” on loans represent?

The annual variable interest rate on loans is expressed as a percentage and is composed of:

➤⠀reference index IRCC / ROBOR / EURIBOR / LIBOR;

➤⠀and the bank's fixed margin.

Both are added together and form the annual variable interest rate on loans. 😉

❗⠀If you are thinking of taking a credito:

➤⠀can you calculate the monthly rates online in BT credit simulator;

➤⠀and then you find out by phone if you qualify for the desired amount. 😃

Last update

2026-06-12

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Variable interest