In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
What is the crediting period?
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for your budget.
What do I do if my debt ratio exceeds 40%?
In such situations, we can analyze together options such as:reducing the requested amount;extending the loan period;including some incomes ...
What documents do I need for a loan?
Usually, you need:identity cardANAF agreement for income verificationother documents, if the chosen product requires checks ...
How many months do you need to have worked at the current employer?
You need at least 3 months with the current employer, if you are not at your first jobat least 6 months if you are at your first employer
What advantages do you have if you refinance a personal loan from another bank to BT?
You have several advantages: • Zero file analysis commission, during periods when dedicated campaigns exist; • Competitive interest rate, adapted to your profile ...
What criteria do I need to meet to get a better interest rate on the refinancing of a personal loan?
The offer is personalized according to your financial profile: Your credit history – the better your payment behavior, the more ...
In how much time is the loan granted?
Duration depends on the product and how quickly we can validate the documents. It can take from a few minutes to a few days. Online, things move at ...
Can I get a loan if I already have one at another bank?
Yes. As long as you fit within the maximum debt-to-income ratio, you can take out a new loan even if you have other loans in progress.
In what cases can my debt ratio increase?
The debt ratio can increase when your income rises or when your monthly expenses decrease. Practically, you have more room in the budget for an installment ...
How do I get the loan 100% online?
Complete some information, choose your offer, and if you agree, sign directly in BT Pay. The money goes into your account without you coming to the bank. Everything ...
How can I track the status of my file in BT Pay?
If you have initiated a personal loan 100% online 100% online, see the status in BT Pay. For mortgage loans, your relationship manager ...