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. ...
Am I required to take out a life insurance policy when applying for a mortgage loan?
At Banca Transilvania, the life insurance policy is not mandatory when accessing a mortgage loan, but it is beneficial for you. 😉
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 ...
Where can I renew the PAD policy related to the mortgaged property?
The PAD policy can be renewed at any BT unit or directly in BT Pay - at the moment you issue a new optional policy from the application.
With what can I guarantee, if I want to buy agricultural land?
If you apply for a loan to purchase land, you have the option to guarantee through: ➤⠀another piece of land you own; ...
What insurance policies for the property do I need to conclude when taking out a mortgage loan?
With an insurance we are all indebted, especially when it comes to our support. In the case of home loans, it is necessary to conclude ...
What kinds of housing can be bought through the New Home program?
There are several scenarios you can find yourself in, as follows:➤⠀If the house was completed more than five years before the application date, then the maximum value of ...
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 ...
What is the minimum down payment for mortgage loans at BT?
To obtain a mortgage loan from BT, you must have a minimum down payment of 15% of the purchase price of the home. 😁
Where can I apply for the New Home loan?
You have 2 options:❶⠀You can go to any BT unit. Here you will receive a personalized offer and all the details of the program for the current year.❷⠀You can choose online ...