I need money to continue my studies. Can I borrow money from BT?
Yes, through the study loan. The advantages of this loan are:❶⠀we offer you up to 20,000 euros (or the equivalent in lei), for a period of up to 10 ...
What conditions must I meet for a personal loan?
In general, you need:minim 18 years and fitting within the age limits accepted at the end of the credit;stable income (salary, pension or other income ...
If I am listed at the Credit Bureau, can I still get a loan?
Yes, it is possible. Registration with the Credit Bureau does not automatically mean the rejection of a loan. We analyze the type of registration, your history, and situation ...
Can I repay the loan early?
Of course. You can repay the loan anytime, partially or in full. If you have a variable interest rate, you do not pay a commission. For the fixed interest rate, there is a commission ...
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 "account overdraft" (or "overdraft")?
Practically, the overdraft is also a kind of credit, but easier to obtain. In Romanian, it is "account overdraft". It means that the bank gives you a line of credit (money at ...
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 ...
After how many days am I reported to the Credit Bureau if I have delayed the installment payment? If I have been reported, can I still take a loan?
Reporting to the Credit Bureau is done for delays longer than 30 days in payment of installments. 📆The data stored in the record system of the Bureau of ...
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 ...
Can I refinance a mortgage loan?
Yes, you can refinance all types of loans for real estate investments contracted from other banks or even from us. 😃By refinancing the loan ...
How is ROBOR/IRCC calculated?
First of all, it is good to know that starting from May 2, 2019, in the case of variable interest loans in RON granted to natural persons, the ROBOR index has ...