Loans
How many quotations do the ROBOR indices have?
The most commonly used indicators by banks for setting the level of variable interest rates for lei are ROBOR 3M (3 months) and ROBOR 6M (6 months).What type of ...
14 votes
Only for BT clientsWhat is the down payment a client must have in the case of the New Home loan?
Mai jos regăsești detalii cu privire la locuințele care se pot cumpăra prin programul Noua Casă și avansul necesar:❶ Toate categoriile de locuințe ...
13 votes
Only for BT clientsIf I have obtained a quick loan can I withdraw cash?
It depends on the requested amount, but you should be able to in at least 3 working days. ⏱
13 votes
Can I repay a loan early?
Of course 😊! You have the possibility to request total or partial early repayment of the loan in progress at BT. You just need to deposit into your account ...
13 votes
Does it matter that I have a credit card if I apply for a loan?
Of course! Even if it is about a credit card, think that it also affects your financial situation. 💰Therefore, at the moment ...
12 votes
Only for BT clientsIf we don't have a company, we are PFA (two entities), could we take a BT Mic loan?
At BT Mic, we can finance any form of legal organization, including PFA entities. 😉 We take into account the income you have earned regardless of the type ...
12 votes
Only for BT clientsI am on medical leave for 30 days following a surgical intervention, can I apply for a loan?
In this case, you must return to work and have one month recorded without medical leave in order to apply for credit.
12 votes
Only for BT clientsWhat is the maximum amount granted for the Patient loan?
For the Patient loan, you can receive an amount of up to 50,000 EURO (or equivalent LEI). 😃
12 votes
Is the Prima Casă loan calculated based on the IRCC or Robor index?
The Prima Casă loan is linked to the IRCC index. 🙂 IRCC is the reference index for variable interest rate loans granted in LEI and which, ...
12 votes
Only for BT clientsWhat is the maximum repayment period for a loan from the Medical Division?
Perioada maximă pe care se acordă creditul variază:➤ 5 ani pentru creditele de nevoi profesionale➤ 7 ani pentru echipamente➤ 15 ani pentru investițiile ...
11 votes
Only for BT clientsWhen do I have to pay the penalty interest?
Well, the penalty interest must be paid if you are late with the repayment of the installments you agreed to at the time of signing ...
11 votes
How do ROBOR / IRCC influence interest rates?
Variable interest rates in RON are influenced by ROBOR 6M / IRCC because they are composed of ROBOR 6M / IRCC + a fixed margin of the bank. 🙂In the case of loans with ...
11 votes