What does "DAE" (Effective Annual Interest Rate) mean?
DAE is the Effective Annual Interest Rate. It shows the total cost of the loan in a single percentage and includes the interest, mandatory fees, and any other ...
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 ...
If I receive my salary in the BT account, do I benefit from better costs on loans?
Yes. If you receive your salary at BT, you can get a more advantageous interest rate and avoid worrying about monthly payments - the installment is paid automatically, so you don't ...
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 ...
Can I repay a loan early? If yes, how?
Of course you can! You can repay it fully or partially. 😃❗⠀We recommend that you contact the BT branch where you took out the loan, in order to complete a ...
What are the steps for approving a personal loan?
When it comes to your credit, it's good to always be well informed. 😉So, regarding the granting of a credit, you need to go through the following ...
Where can I ask for clarifications about my situation at the Credit Bureau?
➤⠀you can find out more details about your situation at the Credit Bureau by making a request on the Bank's contact page. If you have a loan at BT, you will ...
What is the “interest rate” on loans?
The interest rate is the element you must absolutely consider when you take a loan. 😉Practically, this is the percentage of the total borrowed amount ...
Where can I find the BT loan calculator or credit simulator?
On our website, obviously. With a simple tap, you have also reached the credit simulator. 👈Whether you need a:➤⠀consumer loan ...
What is the "Credit Bureau"?
The Credit Bureau is the institution that collects and manages data about loans granted by almost all banks and financial institutions from ...
Can I find out the amount I qualify for without going to the bank?
Of course! And to make fewer trips to the bank, we have prepared several options for you: ❶⠀You can use the BT* credit simulator. Simple and ...
When do I pay the installments for the insurance attached to the loans I took at BT?
You pay the life insurance installments together with the payment obligations of the loan, at the deadlines established in the contract. 🙂The ones for the insurance ...