Can I have an overdraft if I already have other loans at BT?
Yes, it is possible! The fact that you already have other loans at Banca Transilvania does not automatically disqualify you. Your eligibility for an Overdraft is determined ...
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, ...
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 ...
For what period is an overdraft granted?
The period for which the overdraft is granted is 1 year, with the possibility of automatic extension. ⏳
What documents are necessary for salary income in Romania?
For salary income obtained in Romania, the following are required: ANAF agreement, certificate + account statements for carriers with per diem, income certificate in ...
Is there a minimum amount for early repayment of the loan?
Yes. The amount must be greater than 10 lei/euro/other equivalent currency and greater than the minimum repayable balance. If the amount is less than the installment ...
How do I make a partial early repayment of a loan directly from BT Pay?
You can initiate partial early repayment directly from BT Pay, from the Credits tab and the Partial Early Repayment section.
In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
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 ...
Can I use the overdraft to make online payments or cash withdrawals?
Yes, absolutely! This is the main purpose of the Overdraft. The overdraft is a flexible financing source, integrated into your current account. You can ...
What documents are necessary if I have a PFA or liberal profession?
For PFA or liberal professions the following are required: registration certificate, Single Declaration, Register of receipts and payments, ANAF Agreement, specific documents ...
Can I make a full early repayment of the loan from BT Pay?
From BT Pay you can only make partial early repayments. For full repayments, we are waiting for you at any BT branch.