What documents are required for pension income?
For income from pensions the following are required: pension decision (or medical), ANAF Agreement, pension slip, bank statement if the pension is collected at ...
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 download the updated repayment schedule after the early repayment?
Yes. You can download both the charts generated during the simulation, as well as the final chart issued after processing.
Can I make an early repayment from an account in a currency other than that of the loan?
No. Refunds can only be made from the foreign currency accounts in which the loan is contracted.
What identity documents are required for the mortgage loan?
You only need the identity documents of all involved persons: holder, partner, co-debtors, and possibly guarantors. Simple and clear process.
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 ...
Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...
Is it enough if I only have in the account the amount I want to reimburse?
No. You need funds for the amount you want to repay and for the early repayment commission, if applicable.
What does a mortgage loan mean for me, as a future client?
A mortgage loan offers you flexibility and freedom in managing your real estate plans. It allows you to pledge another property as collateral and ...
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 ...
Who can initiate early repayment - the credit holder or the co-debtors?
No. Only you, as the credit holder, can initiate early repayment from BT Pay.
In what cases can my debt ratio increase?
The debt ratio can increase when your income rises or when your monthly expenses decrease. Practically, you have more room in the budget for an installment ...