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 ...
Is it possible to process early repayment on the due date or maturity date?
No. Early repayment cannot be processed on the due date or credit maturity date.
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.
What types of income are accepted besides salary (dividends, rents, PFA)?
BT accepts a wide range of incomes, as long as they are permanent and can be proven. Besides salary incomes, there are ...
For what period is an overdraft granted?
The period for which the overdraft is granted is 1 year, with the possibility of automatic extension. ⏳
Do I have to move my salary to BT in order to refinance a personal loan?
You can refinance a personal loan at Banca Transilvania without being required to transfer your salary to the BT account. However, transferring the salary may ...
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 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,
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 ...
In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
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 ...
How do I calculate if refinancing a mortgage/real estate loan is advantageous?
Compare three essential things: Current monthly rate vs. new rate; Current interest vs. new interest; Monthly savings vs. refinancing costs (notary, ...
