Is it worth refinancing a mortgage with a variable interest rate now?
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly payment. Such a change can lead to a ...
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 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 ...
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, ...
Can I take out a mortgage loan if I don’t have a down payment?
For the mortgage loan, the down payment is mandatory: minimum 15% for loans in lei and minimum 20% for loans in euro There is no zero down payment option ...
Can I take out a mortgage loan together with a person who is not a relative of mine (for example, a partner)?
Yes. You can take the loan together with another person, even if there is no degree of kinship, as long as both persons meet the criteria of ...
How long does it take from application to receiving the money for the mortgage loan?
The process takes a few weeks from the complete submission of the file, including credit analysis, property evaluation, approval, and signing at ...
What is refinancing a mortgage loan?
Refinancing a mortgage loan means replacing the existing loan with a new loan, contracted either at the same bank or at another ...
What are the advantages of refinancing a mortgage loan at Banca Transilvania?
Refinancing a mortgage loan at BT can have several real advantages. In short, you can benefit from:Competitive interest rates that can bring you ...
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.❗ ...
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 ...