Loans
Only for BT clients
What can I do if my income is not enough to take the loan? Who can be my co-borrowers?
Poți cumula veniturile cu ale soțului / soției sau cu ale unei rude de gradul I, adică: părinte, frate / soră, cumnați / socri. 👪❗ Dacă te gândești să iei ...
511 votes
Only for BT clientsWhat 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 ...
430 votes
Only for BT clientsHow can I find out what my loan balance is?
Simplu și ușor! Poți vedea soldul creditului tău prin următoarele modalități: ❶ Din BTPay Mobile secțiunea credite ➭ alegi creditul pentru care dorești să ...
352 votes
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 ...
341 votes
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 ...
331 votes
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 ...
324 votes
Only for BT clientsIf 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 ...
323 votes
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 ...
293 votes
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. 🙂
282 votes
Only for BT clientsIn 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 ...
277 votes
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 ...
266 votes
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 ...
259 votes