What can I do if my income is not enough to take the loan? Who can be my co-borrowers?
You can combine incomes with those of your husband / wife or a first-degree relative, meaning: parent, brother / sister, brothers-in-law / parents-in-law. 👪❗⠀If you are thinking of taking ...
What does "refinancing a consumer loan" mean?
Refinancing involves taking out a new loan through which you pay off one or more consumer credits, the possible additional amount obtained being able to be ...
How can I find out what my loan balance is?
Simple and easy! You can see your credit balance through the following methods: ❶⠀From BTPay Mobile credit section ➭ choose the credit for which you want to ...
What does "DAE" (Effective Annual Interest Rate) mean?
DAE is the Effective Annual Interest Rate. It shows the total cost of the loan in a single percentage and includes the interest, mandatory fees, and any other ...
Can I refinance multiple loans with a single loan?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...
What does „codebtor” or „co-payer” mean?
Co-debtor / co-payer is the person who helps you at the moment when you cannot borrow the amount you need because of the income on ...
If I have had defaults on other loans can I apply for a loan?
Reporting to the Credit Bureau does not imply an automatic refusal regarding the granting of a loan. 😮If there are active arrears, make sure to pay them off ...
When is it appropriate to refinance a loan?
Refinancing is the process of applying for a new loan through which you repay in advance the existing loan or loans and, eventually, you are left with some ...
What is a "commission"?
The commission is the amount of money (percentage or fixed) you pay to the bank for the products and services that are offered to you. 🙂
In what situations should I think twice before taking out a loan?
We take responsibility to warn you if, following our analysis, we consider that you are in one of the following situations: ❗ you will be ...
What is a "mortgage"?
Mortgage represents the guarantee that financial obligations towards the bank will be paid. 😉This can be a movable or immovable asset owned by you ...
What should I do to increase the credit card limit?
Here you have all the steps:❶ Take a picture of the identity card and confirm the data;❷ Confirm the phone number and email with the help of a code received by SMS;❸ ...