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 ...
Why do I need support in choosing a loan?
Choosing a loan is not that simple, and we do not recommend you take a minute loan. On the contrary, we want to offer you all the information ...
Will I receive support only in the first phase, when I take the loan?
We are at your disposal anytime during the loan term for any information: about the amount you still have to pay, about the repayment ...
In what situations should I think twice before taking out a loan?
We take responsibility to warn you if, following our analysis, we consider that you are in one of the following situations: ❗ you will be ...
Repayment in equal or decreasing installments?
You can choose what suits you: Equal installments offer you the same monthly amount and predictability; Decreasing installments start higher, but decrease over time and ...
How do you choose to repay the loan: in equal or decreasing installments?
When you want a loan, you can choose, right at the beginning or anytime later, to repay in equal or decreasing installments. A few details for a decision ...
How can I switch from decreasing installments to equal installments or vice versa?
You come to any BT unit, to talk with one of our colleagues directly about the situation of the loan you have. If you want to start repaying the loan ...
Where will I pay the installments from now on?
Until February 28, 2025, you can pay the installments into your account at OTP Bank. After this date, your loan will be transferred to the Bank ...
How do you pay for shopping with the Star credit card?
To benefit from interest-free installments, all you have to do is mention at the physical locations of partner stores that you want to pay in ...
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, ...
How do I pay the monthly instalment?
The rate can be paid:automatically, directly from the account;from the mobile banking application;at counters;by bank transfer.If the due date falls on a day ...
Can I refinance a personal loan if I have multiple active loans at other banks?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...