Loans
Only for BT clients
If I am listed at the Credit Bureau, can I still get a loan?
Yes, it is possible. Registration with the Credit Bureau does not automatically mean the rejection of a loan. We analyze the type of registration, your history, and situation ...
16259 voturi
Only for BT clientsWhat is "account overdraft" (or "overdraft")?
Practically, the overdraft is also a kind of credit, but easier to obtain. In Romanian, it is "account overdraft". It means that the bank gives you a line of credit (money at ...
3,233 votes
Only for BT clientsIf I earn income abroad can I apply for a credit?
Yes, you can, if you opt for a loan guaranteed by a real estate mortgage. It is necessary to have Romanian citizenship and income obtained from employment contracts ...
3158 voturi
What is the difference between a real estate loan and a mortgage loan?
In short, the mortgage loan allows for a wider range of purposes and can have various types of guarantees. On the other hand, the home loan has a ...
2,393 votes
Only for BT clientsIf I receive my salary in the BT account, do I benefit from better costs on loans?
Yes. If you receive your salary at BT, you can get a more advantageous interest rate and avoid worrying about monthly payments - the installment is paid automatically, so you don't ...
2306 voturi
Only for BT clientsWhat conditions must I meet for a personal loan?
In general, you need:minim 18 years and fitting within the age limits accepted at the end of the credit;stable income (salary, pension or other income ...
2152 voturi
Only for BT clientsAfter how many days am I reported to the Credit Bureau if I have delayed the installment payment? If I have been reported, can I still take a loan?
Reporting to the Credit Bureau is done for delays longer than 30 days in payment of installments. 📆The data stored in the record system of the Bureau of ...
1717 voturi
Only for BT clientsCan I repay the loan early?
Of course. You can repay the loan anytime, partially or in full. If you have a variable interest rate, you do not pay a commission. For the fixed interest rate, there is a commission ...
1,569 votes
Only for BT clientsWhat is the maximum limit for an overdraft if my salary is paid into a BT account?
Through overdraft or account overdraft with us, you can obtain up to 6 salaries / 6 pensions, within the maximum limit of 50,000 RON, provided that you meet the condition ...
898 votes
Only for BT clientsWhat happens if I have financial problems during the loan term?
We understand that, no matter how good the initial plan is, unforeseen things can happen, so we offer you support throughout the duration of the loan.If you have ...
745 votes
Only for BT clientsWhat is the maximum age for accessing a loan if the recorded income comes from pensions?
The maximum age depends on the type of credit. As a rule, income from pensions is accepted, and the credit term is set so that at the end of ...
587 votes
Only for BT clientsWhat salary do I need to have to get a loan?
There is no minimum income threshold to apply for a BT loan. But it is good to know that your income influences the amount you can borrow ...
558 votes