Loans
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.
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Where can I see the fees and transaction details before confirming the refund?
Yes. In the "Confirm Transaction" screen you see all the details: the refunded amount, the available balance, the early repayment fee and the structure ...
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What is a mortgage loan and what can I use it for?
With a mortgage loan you can make purchases or investments in the real estate field. You can use it to buy a house, to build, to modernize or to ...
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What is a mortgage loan guaranteed by?
The mortgage loan is always secured by a mortgage. The collateral can be the property you are purchasing or, if the situation requires, any other property ...
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What is the difference between a real estate loan and a mortgage loan?
Mortgage credit is more flexible and can finance a wide range of investments: housing, land, non-residential spaces, modernizations, or refinancing. ...
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What does a mortgage loan mean for me, as a future client?
A mortgage loan offers you flexibility and freedom in managing your real estate plans. It allows you to pledge another property as collateral and ...
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What identity documents are required for the mortgage loan?
You only need the identity documents of all involved persons: holder, partner, co-debtors, and possibly guarantors. Simple and clear process.
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What documents are necessary for salary income in Romania?
For salary income obtained in Romania, the following are required: ANAF agreement, certificate + account statements for carriers with per diem, income certificate in ...
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What documents are necessary for rental income?
For income from rents you need: rental contract registered with ANAF, bank statements for the last 3 months, ANAF Agreement, deed of ...
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What advantages do you have if you refinance a personal loan from another bank to BT?
You have several advantages: • Zero file analysis commission, during periods when dedicated campaigns exist; • Competitive interest rate, adapted to your profile ...
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What criteria do I need to meet to get a better interest rate on the refinancing of a personal loan?
The offer is personalized according to your financial profile: Your credit history – the better your payment behavior, the more ...
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How much does refinancing a mortgage loan cost?
The cost of refinancing a mortgage-real estate loan depends on several factors (bank, type of loan, the remaining amount value, if you refinance at ...
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