Loans
What is IRCC?
IRCC is the reference index for loans with variable interest granted in LEI and which, starting from May 2, 2019, according to Emergency Ordinance 19/2019, replaces ...
18 votes
How is the variable interest rate calculated?
This is calculated based on the reference index IRCC / ROBOR / EURIBOR / LIBOR + the bank's fixed margin. 😮The interest is calculated on the balance ...
18 votes
Can I refinance my company's current loans from another bank through BT?
Da! Este posibil dacă garanțiile acestora vor deveni accesorii la:➤ creditul analizat; ➤ sau la alt credit BT.
18 votes
What is a "debtor"?
The debtor (or borrower) is the one who participates with the net income in establishing the total net income considered for granting a loan and ...
18 votes
What are the benefits of increasing the line of credit?
You have a lot of benefits. 😃 Pay attention: you don't have to come to the bank anymore, you get the increase directly from BT Payyou use the card and the increased credit directly from ...
17 votes
What does "bank margin" mean?
Marja băncii este o parte componentă a dobânzii creditelor care se stabilește ca un procent fix pe toată perioada contractului. 📑❗ Dacă te gândești să iei ...
17 votes
Why are interest rates correlated with ROBOR?
It is simple: it was the decision of the Romanian State, which in 2010 legislated through Emergency Ordinance 50 (EO 50) the conditions under which loans can be granted. 🙂Thus, ...
16 votes
Who is the "guarantor"?
Garantul este proprietarul imobilului adus în garanție sau cel care garantează, cu veniturile pe care le încasează, acordarea unui credit. 😮❗ Dacă te ...
16 votes
What other saving options are there besides deposits or savings accounts?
Knowing other saving products besides classic deposits is the key to smart saving. Unfortunately, Romania is among the last ...
16 votes
Only for BT clientsWhat is the maximum age for accessing a loan if the recorded income is from salaries?
You can apply for a loan with income from salaries on the condition that you are not over 65 years old at the end of the loan. If you are thinking about taking a loan, you can ...
16 votes
What does the “variable interest rate” on loans represent?
Rata anuală a dobânzii variabile la credite este exprimată procentual și este compusă din:➤ indicele de referință IRCC / ROBOR / EURIBOR / LIBOR;➤ și ...
15 votes
Only for BT clientsIf I am both an employee and a pensioner, can both incomes be taken into account for granting a loan?
If you want a loan at BT, you will have to opt only for a certain type of income, either income from salary, or from pensions.You can calculate the monthly installments online ...
15 votes