For what period is an overdraft granted?
The period for which the overdraft is granted is 1 year, with the possibility of automatic extension. ⏳
In what currency can the account overdraft be made?
The currency for granting the overdraft is RON. 💰
Is there a minimum amount for early repayment of the loan?
Yes. The amount must be greater than 10 lei/euro/other equivalent currency and greater than the minimum repayable balance. If the amount is less than the installment ...
Can I use the overdraft to make online payments or cash withdrawals?
Yes, absolutely! This is the main purpose of the Overdraft. The overdraft is a flexible financing source, integrated into your current account. You can ...
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 ...
What documents are necessary for salary income in Romania?
For salary income obtained in Romania, the following are required: ANAF agreement, certificate + account statements for carriers with per diem, income certificate in ...
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 ...
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.
Can I make a full early repayment of the loan from BT Pay?
From BT Pay you can only make partial early repayments. For full repayments, we are waiting for you at any BT branch.
Is it possible to process early repayment on the due date or maturity date?
No. Early repayment cannot be processed on the due date or credit maturity date.
What documents are necessary if I have a PFA or liberal profession?
For PFA or liberal professions the following are required: registration certificate, Single Declaration, Register of receipts and payments, ANAF Agreement, specific documents ...
What documents are required for salary income from abroad?
If you work abroad, you need: income certificate (6 months), account statements (6 months), tax certificate for the previous year, employment contract + ...