Loans
Can I add a co-debtor when refinancing a mortgage/real estate loan?
Yes. You can add a co-debtor (life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents/parents ...
0 votes
Is it worth refinancing a mortgage with a variable interest rate now?
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly payment. Such a change can lead to a ...
0 votes
How do I calculate if refinancing a mortgage/real estate loan is advantageous?
Compare three essential things: Current monthly rate vs. new rate; Current interest vs. new interest; Monthly savings vs. refinancing costs (notary, ...
0 votes
What is the crediting period?
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for your budget.
0 votes
What can I do with the money obtained from credit?
Anything you need. No justification is required - you use the money exactly where it helps you the most.
0 votes
Is there a monthly management fee?
No. The BT personal loan does not have a monthly administration fee.
0 votes
What documents will I sign?
You will sign: the credit applicationthe credit contractagreements regarding data processing and other documents specific to your situationWe explain each step ...
0 votes
In what cases can my debt ratio increase?
The debt ratio can increase when your income rises or when your monthly expenses decrease. Practically, you have more room in the budget for an installment ...
0 votes
What are the advantages of the life insurance included or attached to the BT mortgage loan?
Life insurance offers you peace and protection for you and your loved ones. Depending on the type of policy, it covers risks such as death or disability, ...
0 votes
Can I access special offers if the purchased property has an energy certificate class A (Green Credit)?
Yes. If the residence has an energy certificate class A, you can benefit from a better interest rate and preferential conditions. It is our way of encouraging ...
0 votes
Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...
0 votes
Is the appraisal of the property that I want to buy with a mortgage loan mandatory? Who bears the cost?
Yes, the evaluation is necessary for your safety and the bank's. The cost is borne by the client and is paid directly to the authorized evaluator. The value varies ...
0 votes