What types of loans allow early repayment in BT Pay?
You can repay personal loans early, except for study loans, Work & Travel, APIA, and loans migrated from the portfolio ...
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 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 ...
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.
Can I get a loan if I already have one at another bank?
Yes. As long as you fit within the maximum debt-to-income ratio, you can take out a new loan even if you have other loans in progress.
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 ...
Can I obtain a loan if I already have other ongoing loans?
Yes, if the indebtedness ratio remains within the legal limits and your income allows you to pay a new installment. We analyze each situation to see what options ...
Is the appraisal of the property that I want to buy with a mortgage loan mandatory? Who bears the cost?
Yes, the evaluation is necessary for your safety and the bank's. The cost is borne by the client and is paid directly to the authorized evaluator. The value varies ...
Is there a minimum or maximum amount that I can obtain through the mortgage-real estate loan at BT?
Determining the loan amount depends on the eligibility conditions, your income, the degree of indebtedness, and the value of the property brought as collateral.The amount ...
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 ...
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.
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.
