Do I need an advance payment to take out a mortgage home loan?
Yes. It is mandatory to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros. The down payment must be deposited in cash or ...
What documents are necessary to apply for a mortgage loan?
For a BT mortgage loan, both your personal documents as the applicant and documents related to the property are required. The basic list includes: act ...
What documents are necessary for refinancing a mortgage loan?
To start the process of refinancing the mortgage loan at BT, you will basically need:Identity documentIncome-related documents ...
How much does refinancing a mortgage loan cost?
The cost of refinancing a mortgage-real estate loan depends on several factors (bank, type of loan, the remaining amount value, if you refinance at ...
Can I take the mortgage housing loan together with a co-debtor?
Yes. When taking out a loan, the life partner, spouse, children, ... can help if they meet the eligibility criteria,
What is a mortgage loan and what can I use it for?
With a mortgage loan you can make purchases or investments in the real estate field. You can use it to buy a house, to build, to modernize or to ...
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: housing, land, non-residential spaces, modernizations, or refinancing. ...
Can I add a co-debtor when refinancing a mortgage/real estate loan?
Yes. You can add a co-debtor (life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents/parents ...
What is a mortgage loan guaranteed by?
The mortgage loan is always secured by a mortgage. The collateral can be the property you are purchasing or, if the situation requires, any other property ...
What identity documents are required for the mortgage loan?
You only need the identity documents of all involved persons: holder, partner, co-debtors, and possibly guarantors. Simple and clear process.
Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...
What does a mortgage loan mean for me, as a future client?
A mortgage loan offers you flexibility and freedom in managing your real estate plans. It allows you to pledge another property as collateral and ...