What is the difference between a real estate loan and a mortgage loan?
Mortgage credit is more flexible and can finance a wide range of investments: housing, land, non-residential spaces, modernizations, or refinancing. ...
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 initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.
Where can I see the fees and transaction details before confirming the refund?
Yes. In the "Confirm Transaction" screen you see all the details: the refunded amount, the available balance, the early repayment fee and the structure ...
What types of loans allow early repayment in BT Pay?
You can prepay consumer loans, except for study loans, Work & Travel, APIA, and loans migrated from the portfolio ...
What credit components can I repay in advance in BT Pay?
You can choose between repayment exclusively from the principal or repayment that includes the principal, interest, and fees.
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 ...
Can I add a co-debtor when refinancing a mortgage/real estate loan?
Yes. You can add a co-debtor (life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents/parents ...
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, ...
What is a mortgage loan guaranteed by?
The mortgage loan is always secured by a mortgage. The collateral can be the property you are purchasing or, if the situation requires, any other property ...
How many months do you need to have worked at the current employer?
You need at least 3 months with the current employer, if you are not at your first jobat least 6 months if you are at your first employer
In how much time is the loan granted?
Duration depends on the product and how quickly we can validate the documents. It can take from a few minutes to a few days. Online, things move at ...