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 ...
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.
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 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.
How do I get the loan 100% online?
Complete some information, choose your offer, and if you agree, sign directly in BT Pay. The money goes into your account without you coming to the bank. Everything ...
What documents are necessary for rental income?
For income from rents you need: rental contract registered with ANAF, bank statements for the last 3 months, ANAF Agreement, deed of ...
How can I track the status of my file in BT Pay?
If you have initiated a personal loan 100% online 100% online, see the status in BT Pay. For mortgage loans, your relationship manager ...
What are the steps to follow from the online simulation to signing the final contract?
Online simulation or in unitDiscussion with a specialistSubmission of documentsFile analysisProperty evaluationFinal approvalContract signing at ...
Can I get a financial pre-approval before finding the desired home?
Yes. You can get a pre-approval that indicates the approximate amount you can access, so you can look for homes suitable for your budget. This is a step ...
What documents will I sign?
You will sign: the credit applicationthe credit contractagreements regarding data processing and other documents specific to your situationWe explain each step ...
Can I access special offers if the purchased property has an energy certificate class A (Green Credit)?
Yes. If the residence has an energy certificate class A, you can benefit from a better interest rate and preferential conditions. It is our way of encouraging ...
Is there a monthly management fee?
No. The BT personal loan does not have a monthly administration fee.