My loan was granted on the condition that the pension is transferred to the current account at OTP. Will I be forced to transfer my pension also to the current account at Banca Transilvania? Do I have to present another account to the Pension House?
Yes, the IBAN account will be changed and it is necessary to send it to the Pension House in order to benefit from the best conditions related to your contract ...
Where do I address if I have questions related to the credit held at OTP?
For information related to your credit migrated from OTP to BT you can contact any BT unit or the BT Call Center.
What are the granting criteria for the overdraft?
Eligibility conditions required to be met in order to benefit from an overdraft are the following: ❶⠀You must be a natural person of citizenship ...
Where can I pay the OTP loan installments?
At BT you have several options for paying installments: Starting March 3, 2025, we are waiting for you in over 500 BT units to pay the installments, and for more ...
At this moment can I pay the credit installment also at the branches of Transilvania Bank?
Until February 28, 2025, your loan installments will be paid at OTP units and into the account at OTP. Starting from March 3, 2025, the installments ...
How do I pay my life insurance policy attached to the loan migrated from OTP?
If you have a life insurance policy attached to the loan migrated from OTP with monthly payment, make sure you have the necessary amount for the insurance premium in your account. The premium ...
What are the eligibility criteria for a mortgage loan?
To obtain a mortgage loan, the following are checked: age (minimum 18 years, maximum 65–75 years at the end of the loan, depending on the type of income), incomes ...
Do I need an advance payment to take out a mortgage home loan?
Yes. It is mandatory to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros. The down payment must be deposited in cash or ...
Can I also get an additional amount when refinancing a personal loan?
Yes - if you meet the eligibility criteria, and your income and debt level allow it, you can refinance the current loan and obtain money in ...
How to obtain an overdraft?
find out online if you are eligible by applying on the page dedicated to the overdraft; you can come to one of the BT units or apply directly from BT Pay.After that ...
What is IRCC and how does it influence my monthly loan rate?
IRCC is an index established by the National Bank of Romania and updated quarterly. It affects only loans with variable interest: if the IRCC increases, the rate increases; if it decreases, ...
How do I make a partial early repayment of a loan directly from BT Pay?
You can initiate partial early repayment directly from BT Pay, from the Credits tab and the Partial Early Repayment section.
