What does „codebtor” or „co-payer” mean?
Co-debtor / co-payer is the person who helps you at the moment when you cannot borrow the amount you need because of the income on ...
How can I keep track of my installments and how can I find out how much I still have to pay on the loan?
You can check your credit status, including if you have arrears and what amount is overdue in several ways If you are an individual client you can check ...
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 ...
How can I find out what my loan balance is?
Simple and easy! You can see your credit balance through the following methods: ❶⠀From BTPay Mobile credit section ➭ choose the credit for which you want to ...
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 is IRCC, ROBOR, EURIBOR or LIBOR?
IRCC, ROBOR, EURIBOR and LIBOR are verifiable reference indices and represent the average interest rate for loans in RON, EURO, USD and CHF. ➤ IRCC ...
What is the maximum limit for an overdraft if my salary is paid into a BT account?
Through overdraft or account overdraft with us, you can obtain up to 6 salaries / 6 pensions, within the maximum limit of 50,000 RON, provided that you meet the condition ...
When is it appropriate to refinance a loan?
Refinancing is the process of applying for a new loan through which you repay in advance the existing loan or loans and, eventually, you are left with some ...
What is „factoring”?
Factoring represents a complex package of services, which is based on the process of acquiring receivables resulting from the delivery of goods or the provision ...
What can I do if my income is not enough to take the loan? Who can be my co-borrowers?
You can combine incomes with those of your husband / wife or a first-degree relative, meaning: parent, brother / sister, brothers-in-law / parents-in-law. 👪❗⠀If you are thinking of taking ...
Can I repay a loan early? If yes, how?
Of course you can! You can repay it fully or partially. 😃❗⠀We recommend that you contact the BT branch where you took out the loan, in order to complete a ...
Can I refinance multiple loans with a single loan?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...