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 ...
Can I obtain a loan if I already have other ongoing loans?
Yes, if the indebtedness ratio remains within the legal limits and your income allows you to pay a new installment. We analyze each situation to see what options ...
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 ...
Can I access special offers if the purchased property has an energy certificate class A (Green Credit)?
Yes. If the residence has an energy certificate class A, you can benefit from a better interest rate and preferential conditions. It is our way of encouraging ...
What are the advantages of the life insurance included or attached to the BT mortgage loan?
Life insurance offers you peace and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, ...
Will the interest rate on the refinanced mortgage loan be fixed or variable?
The choice is yours 😊In a mortgage loan contract, you can choose between a fixed interest rate for a certain period, then variable (only in the case of loans ...
Can I refinance a mortgage if I have a co-debtor?
Yes. The refinanced loan can be contracted either with the same codebtor from the initial loan, or with a different codebtor, depending on the situation ...
What happens with the mortgage upon refinancing?
At refinancing, the existing mortgage (established in favor of the current bank) is canceled and a new mortgage is established in favor of Banca Transilvania. ...
Can I refinance a mortgage loan if I have a foreign currency loan?
Yes, it is possible to refinance a loan in euros (EUR) through a new loan in lei (RON) or vice versa, depending on your financial situation and ...
How long do I need to have the current mortgage in order to refinance?
You can refinance the loan you have whenever you want. 😊❗ The colleagues from BT units can help you with a personalized offer, so you can make the decision ...
Can I refinance a mortgage loan at BT that I also took out from BT?
Of course 😊 BT offers you the possibility to refinance a mortgage-real estate loan contracted directly at Banca Transilvania. We are waiting for you in BT branches ...
Can I refinance a mortgage if I have late payments on the installments?
Payment history matters to obtain a loan. A good payment behavior is one of BT's conditions for granting a mortgage loan.❗ ...