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 documents do I need for a loan?
Usually, you need:identity cardANAF agreement for income verificationother documents, if the chosen product requires checks ...
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
What is a mortgage loan and what can I use it for?
With a mortgage loan you can make purchases or investments in the real estate field. You can use it to buy a house, to build, to modernize or to ...
What advantages do you have if you refinance a personal loan from another bank to BT?
You have several advantages: • Zero file analysis commission, during periods when dedicated campaigns exist; • Competitive interest rate, adapted to your profile ...
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 ...
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. ...
What criteria do I need to meet to get a better interest rate on the refinancing of a personal loan?
The offer is personalized according to your financial profile: Your credit history – the better your payment behavior, the more ...
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 ...
Can I initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.
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 ...
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 ...