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, ...
What is the crediting period?
The maximum period is 5 years. You choose the duration so that the monthly rate is comfortable for your budget.
What documents are necessary to apply for a mortgage loan?
For a BT mortgage loan, both your personal documents as the applicant and documents related to the property are required. The basic list includes: act ...
What is the maximum amount for a personal loan at BT?
You can take up to 250,000 lei, depending on your income, debt level and eligibility criteria. We analyze your situation together so ...
What documents are necessary for refinancing a mortgage/real estate loan?
For the refinancing process, you will need the following basic documents*:Identity document;ANAF Agreement – for income verification;The documents of ...
What types of income are accepted besides salary (dividends, rents, PFA)?
BT accepts a wide range of incomes, as long as they are permanent and can be proven. Besides salary incomes, there are ...
How do I pay the monthly instalment?
The rate can be paid:automatically, directly from the account;from the mobile banking application;at counters;by bank transfer.If the due date falls on a day ...
Do I have to move my salary to BT in order to refinance a personal loan?
You can refinance a personal loan at Banca Transilvania without being required to transfer your salary to the BT account. However, transferring the salary may ...
What is the difference between a real estate loan and a mortgage loan?
Mortgage credit is more flexible and can finance a wide range of investments: housing, land, non-residential spaces, modernizations, or refinancing. ...
Where can I see the fees and transaction details before confirming the refund?
Yes. In the "Confirm Transaction" screen you see all the details: the refunded amount, the available balance, the early repayment fee and the structure ...
What costs do I have to take into account if I refinance a mortgage/home loan?
When refinancing a mortgage/real estate loan, it is important to take into account a few costs specific to this process. Refinancing involves concluding ...
Can I initiate early repayment at any time?
Refunds are processed from Monday to Friday, between 08:00 and 18:00.