What conditions must I meet for a personal loan?

In general, you need:

• minimum 18 years and fitting within the accepted age limits at the end del credito;
• stable income (salary, pension or other accepted income);
• minimum seniority: 3 months at the current employer (or 6 months if it's your first job);
• good credit history;
• classification in maximum degree of indebtedness.

The goal is to ensure that the rate is sustainable and that it does not affect your financial comfort.

Additional details regarding work seniority

In the analysis process, we take into account several elements, including work history or the history of making vents.

We take into account both:

➤⠀seniority in work (in earning salary income);

➤⠀as well as that from the current employer.

❗⠀Ţkeep in mind that: The minimum limit from which a credit relationship could be initiated is one year of work and at least 3 months of seniority with the current employer. ⏳

Information regarding the degree of indebtedness

Each type of product has a maximum indebtedness level set, and customers' access to a certain credit also depends on this element. 🙂

In determining the degree of indebtedness, the following are taken into account:

➤⠀level of income earned;

➤⠀and the total payment obligations (not just loans, but also other monthly payment amounts such as a CAR installment) to which the monthly payment amount for the requested loan is also added.

The maximum debt levels are established through our internal procedures and must comply with the maximum level regulated by law. 📑

For example: the maximum level of the debt ratio for a consumer credit standard utilized for personal needs (in RON, when the client earns income in RON) is 40%.

Importante: The classification by product and credit maturity is based on the eligibility conditions from the internal regulations of Banca Transilvania. We analyze each case separately, so that we find the option that best suits your situation.

For more details we are waiting for you anytime BT unit.

❗⠀If you are thinking of taking a credito:

➤⠀can you calculate the monthly rates online in BT credit simulator;

➤⠀and then you find out by phone if you qualify for the desired amount. 😃