What documents are required for salary income from abroad?
If you work abroad, you need: income certificate (6 months), account statements (6 months), tax certificate for the previous year, employment contract + ...
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 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 ...
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 ...
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 ...
Can I refinance a personal loan if I have multiple active loans at other banks?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...
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 ...
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 ...
In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
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 the crediting period?
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for your budget.
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 ...