What credit components can I repay in advance in BT Pay?
You can choose between repayment exclusively from the principal or repayment that includes the principal, interest, and fees.
What types of insurance products can BT Broker help me with?
We offer you a complete range of protection, adapted to your lifestyle. You have all types of insurance, in one place: auto insurance (RCA and ...
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 ...
What do I do if my debt ratio exceeds 40%?
In such situations, we can analyze together options such as:reducing the requested amount;extending the loan period;including some incomes ...
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, ...
How can I manage the special account for notaries and what support do I receive?
You can manage the funds directly in the BT units or through your dedicated representative. You have access to support for any operation, so that the activity ...
How many months do you need to have worked at the current employer?
You need at least 3 months with the current employer, if you are not at your first jobat least 6 months if you are at your first employer
Who is considered a prosumer?
Individuals or legal entities that produce electric energy from renewable sources for their own consumption, without their main activity being ...
What costs do I have if I trade BT Romania ETF?
The costs are reduced: a commission of 0.25% both on purchase and on sale, and the custody fee is zero.
What is a mortgage loan guaranteed by?
The mortgage loan is always secured by a mortgage. The collateral can be the property you are purchasing or, if the situation requires, any other property ...
In how much time is the loan granted?
Duration depends on the product and how quickly we can validate the documents. It can take from a few minutes to a few days. Online, things move at ...
Can I issue home insurance in BT Pay if I don't have a mortgage loan?
Yes, at BT we have home insurance suitable both for homes without a mortgage and for those purchased by credit. If you have a mortgage credit ...