Loans
What is the increase of the credit line?
It is a service through which you can request an increase of the credit line for your credit card. Basically, if you have a credit card you can increase the credit line ...
2 votes
What is the lifespan of photovoltaic panels?
Manufacturers from TIER 1 (Sunpower/Maxeon, LG Solar, TRINA Solar, REC Group; JINKO, QCells, LONGi, Canadian Solar), say that they have an operating lifetime between ...
2 votes
Under what conditions will the credits be migrated?
Until February 28, 2025, you will continue to pay the installments as before, into the account at OTP Bank. After this date, your loan will be taken over ...
2 votes
Can the repayment schedule related to the loans be accessed from BT's internet banking application?
Yes, starting from March 3, 2025, the repayment schedules related to the loans will be accessible from BTPay.
2 votes
Is the repayment period and monthly payment due date of loan installments the same in BT as in OTP?
Yes, both the repayment period and the monthly maturity of the loans are maintained at BT according to the credit agreement concluded with OTP.
2 votes
What are the granting criteria for the overdraft?
Condițiile de eligibilitate necesare a fi îndeplinite pentru a beneficia de un overdraft sunt următoarele: ❶ Să fii persoană fizică de cetățenie română;❷ ...
2 votes
How to obtain an overdraft?
find out online if you are eligible by applying on the page dedicated to the overdraft; you can come to one of the BT units or apply directly from BT Pay.After that ...
2 votes
Can I have an overdraft if I already have other loans at BT?
Yes, it is possible! The fact that you already have other loans at Banca Transilvania does not automatically disqualify you. Your eligibility for an Overdraft is determined ...
2 votes
What are the eligibility criteria for a mortgage loan?
To obtain a mortgage loan, the following are checked: age (minimum 18 years, maximum 65–75 years at the end of the loan, depending on the type of income), incomes ...
2 votes
What documents are necessary if I have a PFA or liberal profession?
For PFA or liberal professions the following are required: registration certificate, Single Declaration, Register of receipts and payments, ANAF Agreement, specific documents ...
2 votes
Do I have to move my salary to BT in order to refinance a personal loan?
You can refinance a personal loan at Banca Transilvania without being required to transfer your salary to the BT account. However, transferring the salary may ...
2 votes
What do I do if my debt ratio exceeds 40%?
In such situations, we can analyze together options such as:reducing the requested amount;extending the loan period;including some incomes ...
2 votes