What is "consumer credit"?
Consumer credit refers to any credit other than credit for real estate investments, such as:➤⠀auto;➤⠀for studies;➤⠀for needs ...
If I took a loan, can I cancel the contract in case I changed my mind?
Yes, you have a period of 14 calendar days from the date of conclusion of the credit contract during which you can withdraw from the credit contract ...
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. ...
I accessed a personal loan with a fixed interest rate and I want to repay it early in full, are there any costs?
For fixed interest loans there is an early repayment fee:➤⠀1% of the early repaid loan amount, if the time period ...
What is the „Centrala Riscurilor Bancare” (CRB)?
It is a specialized institution in:➤⠀collection; ➤⠀storage;➤⠀and centralization of information about the payment behavior of consumers who ...
What is a "personal needs loan"?
Personal loan is a loan you get from the bank when you want to make a purchase, but you don't have enough money. ...
Where can I find more information about loans?
You have the following options:➤⠀you can get information directly from our website, the "Credits" section;➤⠀you can come to any of our units to find out more ...
Does it matter that I have a credit card if I apply for a loan?
Of course! Even if it is about a credit card, think that it also affects your financial situation. 💰Therefore, at the moment ...
In what currency can I take out a loan from BT?
Credits available with us are in: ➤⠀RON;➤⠀EURO;❗⠀But as a basic rule, it is good to know that the most advantageous for you is to opt for a ...
What is “Patient Credit”?
Patient Credit is that type of credit that provides you with up to 50,000 EUR (or the equivalent in RON). 😮To benefit from care ...
What is the age limit for a personal loan insurance policy?
The client must be at least 18 years old and at most 70 years old.
What is the age of those who take out a personal loan? And of those with a mortgage housing loan?
The largest share is found in the age category 30-50 years for both types of loans. 🕵