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 ...
What can agricultural loans be used for?
From the agricultural loans offered by us you can buy: ➤⠀farms; ➤⠀equipment; ➤⠀lands; ➤⠀animals; ➤⠀seeds; ➤⠀herbicides; ➤⠀diesel; ➤⠀equipment; ...
What does "personal guarantee for a loan" mean?
Personal guarantee for a loan is the commitment that a person other than the one taking the loan assumes towards the creditor to perform ...
For what period can I receive an investment loan from BT?
Investment loans are granted for a period of up to 15 years. ⏳However, in determining the exact credit period, we take into ...
Do I need a guarantee for a BT Mic loan?
Depending on the requested amount and the result of the credit analysis, guarantees may be required from you. If you mean real estate guarantees, the financing decision is ...
What is “Patient Credit”?
Patient Credit is that type of credit that provides you with up to 50,000 EUR (or the equivalent in RON). 😮To benefit from care ...
What are the minimum conditions that must be met for a quick loan line without guarantees for companies?
At BT we want to make things as simple as possible for you and your company, even when it comes to loans. Just remember that:➤⠀your company should not ...
What is the „Centrala Riscurilor Bancare” (CRB)?
It is a specialized institution in:➤⠀collection; ➤⠀storage;➤⠀and centralization of information about the payment behavior of consumers who ...
Why is the registration made at the Electronic Archive of Real Movable Guarantees?
„Electronic Archive of Movable Real Guarantees” (AEGRM) is a database, unique at the national level, through which the enforceability of guarantees is ensured in ...
Can I buy a property that is not yet completed through the New House program?
The loan is granted only for completed properties, but we offer you the possibility to block the funds related to the purchase of this property for a ...
If my wife is a foreign citizen, can I apply for a New Home loan?
Unfortunately, it is not possible to apply for a New Home credit if one of the spouses is a foreign citizen. 😞 In this case, an alternative would be a credit ...
How can I request an increase of the credit card limit?
If you are an individual client, resident and credit card holder, you can request a credit line increase simply and quickly through BT Pay. You just have to ...
