What conditions must I meet for a personal loan?
In general, you need:minim 18 years and fitting within the age limits accepted at the end of the credit;stable income (salary, pension or other income ...
If I earn income abroad can I apply for a credit?
Yes, you can, if you opt for a loan guaranteed by a real estate mortgage. It is necessary to have Romanian citizenship and income obtained from employment contracts ...
What is the difference between a real estate loan and a mortgage loan?
In short, the mortgage loan allows for a wider range of purposes and can have various types of guarantees. On the other hand, the home loan has a ...
What does „codebtor” or „co-payer” mean?
Co-debtor / co-payer is the person who helps you at the moment when you cannot borrow the amount you need because of the income on ...
What is the maximum age for accessing a loan if the recorded income comes from pensions?
The maximum age depends on the type of credit. As a rule, income from pensions is accepted, and the credit term is set so that at the end of ...
What benefits do I have if I receive my salary at BT?
If your salary enters your BT account, you can have: zero costs for opening, managing and closing the account; preferential interest rates on loans; zero ...
What can I do if my income is not enough to take the loan? Who can be my co-borrowers?
You can combine incomes with those of your husband / wife or a first-degree relative, meaning: parent, brother / sister, brothers-in-law / parents-in-law. 👪❗⠀If you are thinking of taking ...
What can I do if my income is not enough to get the loan?
In this case, your income can be combined with:➤⠀those of the husband/wife, ➤⠀or with those of a first-degree relative: parents, brothers or sisters, brothers-in-law, parents-in-law. ...
Who is the "guarantor"?
The guarantor is the owner of the property brought as collateral or the one who guarantees, with the income received, the granting of a loan. 😮❗⠀If you ...
If 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 ...
What 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 ...
What conditions must I meet to be able to take out a mortgage loan?
The procedure is simple, the granting conditions are minimal, and the documentation is easy to complete! 😃To take out a loan from Banca Transilvania, it is ...