Loans
Only for BT clients
If I only own 50 ha of land, can I get agricultural financing?
Yes! We also grant loans to farmers who own smaller land areas, for purchasing inputs or for current activities. 😊
5 votes
Only for BT clientsUnder what conditions can the currency of a loan contracted by a legal entity at BT be changed?
Valuta unui credit se poate schimba în următoarele condiții: ➤ schimbarea se va face la cursul nostru din ziua operațiunii;➤ ipoteca înscrisă asupra unui ...
5 votes
Is there a possibility that the IRCC index is higher than ROBOR, thus the loan costs will increase and not decrease?
Given that the IRCC index was recently introduced in legislation, it cannot be said with certainty what its evolution will be, the current trend is ...
5 votes
Only for BT clientsIn 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 ...
5 votes
Only for BT clientsHow long is the financial pre-approval valid?
Perioada de valabilitate a pre-aprobării financiare diferă în funcție de bancă. 🙂La noi, aceasta este valabilă 45 de zile calendaristice. 📆❗ Dacă te ...
5 votes
What can I do with a personal loan?
Poți face ce vrei tu, chiar să pleci și în croaziera mult visată 😊 dar principalele nevoi acoperite sunt: ❶ renovarea / amenajarea locuinței în "căsuța ...
5 votes
Can I modify the credit line amount?
Yes, you can. 😊 The amount you see in the offer is the maximum amount. You can always change the amount to a smaller one.
5 votes
Only for BT clientsWhat is the minimum amount granted for a BT Mic loan?
The minimum amount granted through a BT Mic loan is 4,000 lei. 😊
5 votes
What is the minimum down payment for mortgage loans at BT?
To obtain a mortgage loan from BT, you must have a minimum down payment of 15% of the purchase price of the home. 😁
5 votes
Only for BT clientsI would be interested in financing for medical services, but I would like to know what interest rates are practiced (possibly an APR)?
The costs of financing are directly proportional to the risk of a business, and the rating given by financial indicators and not only, influences in a ...
4 votes
How is the refund of the amount used from the overdraft made? Is it a monthly payment, like a loan, or do I have to deposit money?
The repayment of the amount used on the Overdraft is automatic. The overdraft does not have a fixed monthly rate like a classic loan (e.g.: consumer loan ...
4 votes
What advice do you have for someone interested in a mortgage loan?
For mortgage loans, you need to consider 3 elements:❶ the down payment,❷ the monthly payment amount, and❸ the total payable amount. These 3 aspects, which are related ...
4 votes