What are the advantages of overdraft?
❶⠀The bank does not charge fees and commissions if you do not use the amount granted as an overdraft;❷⠀The money is permanently available in the account and can be ...
In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
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 ...
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 ...
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.
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 ...
Can I initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.
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.
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.
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.
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.
Can I download the updated repayment schedule after the early repayment?
Yes. You can download both the charts generated during the simulation, as well as the final chart issued after processing.