What are the advantages of the life insurance included or attached to the BT mortgage loan?
Life insurance offers you peace and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, ...
What can I do with the money obtained from credit?
Anything you need. No justification is required - you use the money exactly where it helps you the most.
At this moment can I pay the loan installment also at the branches of Banca Transilvania?
Until February 28, 2025, your loan installments will be paid at OTP units and into the account at OTP. Starting from March 3, 2025, the installments ...
My loan was granted on the condition that the pension is transferred to the current account at OTP. Will I have to transfer my pension to the current account at Banca Transilvania as well? Do I need to provide another account to the Pension House?
Yes, the IBAN account will be changed and it is necessary to send it to the Pension House in order to benefit from the best conditions related to the contract ...
How can I obtain the new repayment schedule issued by BT?
The repayment schedule related to migrated loans can be obtained at any BT unit.
Where do I address myself if I have questions related to the credit held at OTP?
For information related to your loan migrated from OTP to BT, you can contact any BT branch or the BT Call Center.
Can I take out a mortgage loan if I don’t have a down payment?
For the mortgage loan, the down payment is mandatory: minimum 15% for loans in lei and minimum 20% for loans in euro There is no zero down payment option ...
Can I take out a mortgage loan together with a person who is not a relative of mine (for example, a partner)?
Yes. You can take the loan together with another person, even if there is no degree of kinship, as long as both persons meet the criteria of ...
How long does it take from application to receiving the money for the mortgage loan?
The process takes a few weeks from the complete submission of the file, including credit analysis, property evaluation, approval, and signing at ...
What is refinancing a mortgage loan?
Refinancing a mortgage loan means replacing the existing loan with a new loan, contracted either at the same bank or at another ...
What are the advantages of refinancing a mortgage loan at Banca Transilvania?
Refinancing a mortgage loan at BT can have several real advantages. In short, you can benefit from:Competitive interest rates that can bring you ...
Can I refinance a mortgage if I have late payments on the installments?
Payment history matters to obtain a loan. A good payment behavior is one of BT's conditions for granting a mortgage loan.❗ ...