Can I buy a property that is not yet completed through the New House program?
The loan is granted only for completed properties, but we offer you the possibility to block the funds related to the purchase of this property for a ...
What conditions must I meet to be able to take out a mortgage loan?
The procedure is simple, the granting conditions are minimal, and the documentation is easy to complete! 😃To take out a loan from Banca Transilvania, it is ...
What are the advantages of early repayment?
The advantage of partial early repayment of the loan is the possibility to choose to reduce the loan period or the value of the monthly installment. ...
What documents are necessary to apply for a mortgage loan?
For a BT mortgage loan, both your personal documents as the applicant and documents related to the property are required. The basic list includes: act ...
What documents are necessary for refinancing a mortgage/real estate loan?
For the refinancing process, you will need the following basic documents*:Identity document;ANAF Agreement – for income verification;The documents of ...
What costs do I have to take into account if I refinance a mortgage/home loan?
When refinancing a mortgage/real estate loan, it is important to take into account a few costs specific to this process. Refinancing involves concluding ...
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 ...
How do I calculate if refinancing a mortgage/real estate loan is advantageous?
Compare three essential things: Current monthly rate vs. new rate; Current interest vs. new interest; Monthly savings vs. refinancing costs (notary, ...
Is it worth refinancing a mortgage with a variable interest rate now?
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly payment. Such a change can lead to a ...