Loans
What happens with the Overdraft credit from OTP?
The credit limit on the current account (overdraft) granted by OTP Bank can be accessed until February 28, 2025, inclusive. Starting March 3, 2025, you will ...
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What are the advantages of overdraft?
❶ Banca nu percepe taxe și comisioane dacă nu utilizezi suma acordată ca descoperit de cont;❷ Banii sunt disponibili în cont, în permanență și pot fi ...
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In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
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What conditions must I meet to be able to take out a mortgage loan?
The procedure is simple, the granting conditions are minimal, and the documentation is easy to complete! 😃To take out a loan from Banca Transilvania, it is ...
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Can I use the overdraft to make online payments or cash withdrawals?
Yes, absolutely! This is the main purpose of the Overdraft. The overdraft is a flexible financing source, integrated into your current account. You can ...
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Who can initiate early repayment - the credit holder or the co-debtors?
No. Only you, as the credit holder, can initiate early repayment from BT Pay.
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What types of loans allow early repayment in BT Pay?
You can repay personal loans early, except for study loans, Work & Travel, APIA, and loans migrated from the portfolio ...
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Can I initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.
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Is it possible to process early repayment on the due date or maturity date?
No. Early repayment cannot be processed on the due date or credit maturity date.
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Is it enough if I only have in the account the amount I want to reimburse?
No. You need funds for the amount you want to repay and for the early repayment commission, if applicable.
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Can I make an early repayment from an account in a currency other than that of the loan?
No. Refunds can only be made from the foreign currency accounts in which the loan is contracted.
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What credit components can I repay in advance in BT Pay?
You can choose between repayment exclusively from the principal or repayment that includes the principal, interest, and fees.
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