Can I initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.
What types of loans allow early repayment in BT Pay?
You can prepay consumer loans, except for study loans, Work & Travel, APIA, and loans migrated from the portfolio ...
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 is a mortgage loan and what can I use it for?
With a mortgage loan you can make purchases or investments in the real estate field. You can use it to buy a house, to build, to modernize or to ...
What documents do I need for a loan?
Usually, you need:identity cardANAF agreement for income verificationother documents, if the chosen product requires checks ...
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 ...
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 ...
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 ...
Can I make an early repayment from an account in a currency other than that of the loan?
No. Refunds can only be made from the foreign currency accounts in which the loan is contracted.
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 ...
Can I download the updated repayment schedule after the early repayment?
Yes. You can download both the charts generated during the simulation, as well as the final chart issued after processing.
What identity documents are required for the mortgage loan?
You only need the identity documents of all involved persons: holder, partner, co-debtors, and possibly guarantors. Simple and clear process.