Loans
Is there a minimum or maximum amount that I can obtain through the mortgage-real estate loan at BT?
Determining the loan amount depends on the eligibility conditions, your income, the degree of indebtedness, and the value of the property brought as collateral.The amount ...
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What is IRCC and how does it influence my monthly loan rate?
IRCC is an index established by the National Bank of Romania and updated quarterly. It affects only loans with variable interest: if the IRCC increases, the rate increases; if it decreases, ...
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Do I need an advance payment to take out a mortgage home loan?
Yes. It is mandatory to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros. The down payment must be deposited in cash or ...
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What types of income are accepted besides salary (dividends, rents, PFA)?
BT accepts a wide range of incomes, as long as they are permanent and can be proven. Besides salary incomes, there are ...
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Can I obtain a loan if I already have other ongoing loans?
Yes, if the indebtedness ratio remains within the legal limits and your income allows you to pay a new installment. We analyze each situation to see what options ...
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What are the steps to follow from the online simulation to signing the final contract?
Online simulation or in unitDiscussion with a specialistSubmission of documentsFile analysisProperty evaluationFinal approvalContract signing at ...
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How can I track the status of my file in BT Pay?
If you have initiated a personal loan 100% online 100% online, see the status in BT Pay. For mortgage loans, your relationship manager ...
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Can I take out a mortgage loan if I don’t have a down payment?
For the mortgage loan, the down payment is mandatory: minimum 15% for loans in lei and minimum 20% for loans in euro There is no zero down payment option ...
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Can I take out a mortgage loan together with a person who is not a relative of mine (for example, a partner)?
Yes. You can take the loan together with another person, even if there is no degree of kinship, as long as both persons meet the criteria of ...
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What is refinancing a mortgage loan?
Refinancing a mortgage loan means replacing the existing loan with a new loan, contracted either at the same bank or at another ...
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What are the advantages of refinancing a mortgage loan at Banca Transilvania?
Refinancing a mortgage loan at BT can have several real advantages. In short, you can benefit from:Competitive interest rates that can bring you ...
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Can I refinance a mortgage if I have late payments on the installments?
Payment history matters to obtain a loan. A good payment behavior is one of BT's conditions for granting a mortgage loan.❗ ...
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