If I earn income abroad can I apply for a credit?
Yes, you can, if you opt for a loan guaranteed by a real estate mortgage. It is necessary to have Romanian citizenship and income obtained from employment contracts ...
What is the difference between a real estate loan and a mortgage loan?
In short, the mortgage loan allows for a wider range of purposes and can have various types of guarantees. On the other hand, the home loan has a ...
What salary do I need to have to get a loan?
There is no minimum income threshold to apply for a BT loan. But it is good to know that your income influences the amount you can borrow ...
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 does a "loan insurance assigned in favor of the bank" mean?
It means that in the insurance contract the bank will be listed as the beneficiary of the insurance policy. 🙂In case the awarded compensations exceed the value ...
Why do you need to take out life insurance when contracting a mortgage / real estate loan?
Because it is always good to have a plan B. 😅As you already know, life insurance is a safety net for you and your family. 👪Thus, in ...
What limitations are imposed in the case of life insurance attached to the mortgage loan?
In case the beneficiary suffers from a pre-existing condition, they will benefit from the insurance effects in case of death and total permanent disability from ...
How do I claim compensation if I have a mortgage credit insurance?
Following the 3 steps below. 😉Step 1: Before requesting a compensation, please make sure that:• your request is made within 120 ...
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. 😁
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. ...