What can I do with a personal loan?
You can do whatever you want, even go on the long dreamed cruise 😊 but the main covered needs are: ❶⠀renovation / arrangement of the house in the "little house ...
What are the granting criteria for the overdraft?
Eligibility conditions required to be met in order to benefit from an overdraft are the following: ❶⠀You must be a natural person of citizenship ...
How to obtain an overdraft?
find out online if you are eligible by applying on the page dedicated to the overdraft; you can come to one of the BT units or apply directly from BT Pay.After that ...
What are the advantages of early repayment?
The advantage of partial early repayment of the loan is the possibility to choose to reduce the loan period or the value of the monthly installment. ...
Can I also get an additional amount when refinancing a personal loan?
Yes - if you meet the eligibility criteria, and your income and debt level allow it, you can refinance the current loan and obtain money in ...
What is IRCC and how does it influence my monthly loan rate?
IRCC is an index established by the National Bank of Romania and updated quarterly. It affects only loans with variable interest: if the IRCC increases, the rate increases; if it decreases, ...
What are the advantages of overdraft?
❶⠀The bank does not charge fees and commissions if you do not use the amount granted as an overdraft;❷⠀The money is permanently available in the account and can be ...
What is the maximum amount for a personal loan at BT?
You can take up to 250,000 lei, depending on your income, debt level and eligibility criteria. We analyze your situation together so ...
How do I pay the monthly instalment?
The rate can be paid:automatically, directly from the account;from the mobile banking application;at counters;by bank transfer.If the due date falls on a day ...
For what period is an overdraft granted?
The period for which the overdraft is granted is 1 year, with the possibility of automatic extension. ⏳
Can I refinance a personal loan if I have multiple active loans at other banks?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...
Do I have to move my salary to BT in order to refinance a personal loan?
You can refinance a personal loan at Banca Transilvania without being required to transfer your salary to the BT account. However, transferring the salary may ...