What other saving options are there besides deposits or savings accounts?
Knowing other saving products besides classic deposits is the key to smart saving. Unfortunately, Romania is among the last ...
A company can refinance a loan granted to a shareholder or its administrator as an individual? But inversely?
A company cannot refinance loans granted to its individual shareholders or associates. 😕But the shareholders or administrators of a company can ...
How to choose the loan currency?
This choice is a very important one, to expose yourself as little as possible or not at all to currency risk. To ensure that you will not be exposed to these ...
What are the steps I need to follow if I want to open a dental office?
From a financing point of view, you would have easier access to credit if you already received income from providing dental services through an entity ...
For the purchase of used transport vehicles, under what conditions can one benefit from leasing and what would be the down payment?
We can finance the purchase of second-hand cars from the external environment (DE) under the following conditions: ➤ if the company is a start-up (< 12 months of activity) ...
How do ROBOR / IRCC influence interest rates?
Variable interest rates in RON are influenced by ROBOR 6M / IRCC because they are composed of ROBOR 6M / IRCC + a fixed margin of the bank. 🙂In the case of loans with ...
I have been employed for about 6 years and have an average salary. I have not had any company until now. How can I get a BT Mic loan?
First of all, you need to establish a legal entity (PFA, II, SRL etc), prepare the first 3 balance sheets in which you recorded income and ...
For what period can I receive an investment loan from BT?
Investment loans are granted for a period of up to 15 years. ⏳However, in determining the exact credit period, we take into ...
How can I request an increase of the credit card limit?
If you are an individual client, resident and credit card holder, you can request a credit line increase simply and quickly through BT Pay. You just have to ...
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 ...
How does the current interest rate evolve during the term of the loan?
During the course of the loan, the current interest rate level may change depending on the evolution of the reference index:➤⠀IRCC* / ROBOR* for ...
Do I need a guarantee for a BT Mic loan?
Depending on the requested amount and the result of the credit analysis, guarantees may be required from you. If you mean real estate guarantees, the financing decision is ...