Loans
What is "consumer credit"?
Creditul de consum se referă la orice alt credit în afara creditului pentru investiții imobiliare, cum ar fi cel:➤ auto;➤ pentru studii;➤ de nevoi ...
63 votes
Is it possible to refinance a loan taken through New House or First House?
The holder of such a loan has a prohibition on alienation and encumbrance for the first 5 years. After the expiration of this period, with prior obtaining of ...
61 votes
How to choose the loan currency?
This choice is a very important one, to expose yourself as little as possible or not at all to currency risk. To ensure that you will not be exposed to these ...
58 votes
During the loan term, can the variable interest rate be changed?
Da. Nivelul dobânzii variabile curente se poate schimba în funcție de evoluția indicelui de referință*:➤ IRCC;➤ ROBOR; ➤ EURIBOR; ➤ LIBOR.* Dacă vrei să ...
58 votes
What does the grace period of a credit card represent and what costs are paid by the client during this period?
Grace period is the time interval during which you do not pay the credit institution the installments. ⏳The only payments you make during this period are ...
53 votes
Only for BT clientsHow long does it take to grant a loan for SMEs?
If you are interested in a quick loan in the form of a line of credit or medium-term loan, with repayment in installments, we offer you an answer in about 3 ...
52 votes
What does "pre-financial approval" mean?
Pre-approval is when you want to apply for a mortgage loan for your new home and you bring your income documents to us. ...
47 votes
What is a "personal needs loan"?
Personal loan is a loan you get from the bank when you want to make a purchase, but you don't have enough money. ...
46 votes
What was the evolution of ROBOR?
Over time, there have been periods when ROBOR has decreased and periods when it has increased. 😊 You can find more here about the ROBOR evolution in the last ...
44 votes
Only for BT clientsIf I took a loan, can I cancel the contract in case I changed my mind?
Yes, you have a period of 14 calendar days from the date of conclusion of the credit contract during which you can withdraw from the credit contract ...
42 votes
Only for BT clientsIs there an early repayment commission for the New Home and Real Estate-Mortgage loans?
In the case of loans for real estate purchases, the early repayment fee is ZERO. To repay the loan early you only need to come to ...
35 votes
Only for BT clientsWhat is the maximum age for a second-hand car acceptable for financing through leasing?
When it comes to leasing, it is good to know that we accept the purchase of cars only from new and used car dealers both from the country and from ...
33 votes