What is “real estate investment credit”?
It refers to the credit secured by real estate mortgage, granted for the following purposes: ➤⠀making a land viable;➤⠀rehabilitation, modernization, consolidation ...
A company can refinance a loan granted to a shareholder or its administrator as an individual? But inversely?
A company cannot refinance loans granted to its individual shareholders or associates. 😕But the shareholders or administrators of a company can ...
If I am divorced and have the obligation to pay alimony, will the amount I pay be taken into account if I want to apply for a loan?
Yes, the amount paid as alimony will be taken into account and it will be deducted from the value of the recorded income. 😊
How many months do you need to have worked at the current employer?
You need at least 3 months with the current employer, if you are not at your first jobat least 6 months if you are at your first employer
How is the IRCC index calculated?
The reference index for loans granted in lei with variable interest rate is published every working day on the website of the National Bank of Romania. ...
Where can I apply for the New Home loan?
You have 2 options:❶⠀You can go to any BT unit. Here you will receive a personalized offer and all the details of the program for the current year.❷⠀You can choose online ...
What is early repayment?
Early repayment represents the payment of an amount from the loan balance, in advance, at any time, before the final due date. Early repayment of a ...
Is there consulting or banking assistance for doctors who open medical offices?
The Medical Division of Transilvania Bank has celebrated 17 years of existence in the service of doctors, and we can state that we are the only bank in Romania with ...
What is the maximum amount that can be granted on a rapid credit line with collateral for a company?
The maximum amount we can offer you in the case of a quick credit line with guarantees is 1,000,000 RON. 😊
What does "person not naturally covered against currency risk" mean?
You have this title if you do not obtain eligible income for credit reimbursement: ➤⠀denominated;➤⠀or indexed to the currency in which the credit is ...
In what currency can I request a loan?
You have two options. You can get it in RON or in EUR. 🧐 If you are thinking about taking a loan, you can calculate the monthly installments online in the BT loan simulator and ...
Under what conditions can the currency of a loan contracted by a legal entity at BT be changed?
The currency of a loan can be changed under the following conditions: ➤⠀the change will be made at our rate on the day of the operation;➤⠀the mortgage registered on a ...