Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...
Is there a minimum or maximum amount that I can obtain through the mortgage-real estate loan at BT?
Determining the loan amount depends on the eligibility conditions, your income, the degree of indebtedness, and the value of the property brought as collateral.The amount ...
How do I get the loan 100% online?
Complete some information, choose your offer, and if you agree, sign directly in BT Pay. The money goes into your account without you coming to the bank. Everything ...
Can I get a loan if I already have one at another bank?
Yes. As long as you fit within the maximum debt-to-income ratio, you can take out a new loan even if you have other loans in progress.
Is the appraisal of the property that I want to buy with a mortgage loan mandatory? Who bears the cost?
Yes, the evaluation is necessary for your safety and the bank's. The cost is borne by the client and is paid directly to the authorized evaluator. The value varies ...
Can I get a financial pre-approval before finding the desired home?
Yes. You can get a pre-approval that indicates the approximate amount you can access, so you can look for homes suitable for your budget. This is a step ...
Can I obtain a loan if I already have other ongoing loans?
Yes, if the indebtedness ratio remains within the legal limits and your income allows you to pay a new installment. We analyze each situation to see what options ...
What documents will I sign?
You will sign: the credit applicationthe credit contractagreements regarding data processing and other documents specific to your situationWe explain each step ...
What are the steps to follow from the online simulation to signing the final contract?
Online simulation or in unitDiscussion with a specialistSubmission of documentsFile analysisProperty evaluationFinal approvalContract signing at ...
Is there a monthly management fee?
No. The BT personal loan does not have a monthly administration fee.
How can I track the status of my file in BT Pay?
If you have initiated a personal loan 100% online 100% online, see the status in BT Pay. For mortgage loans, your relationship manager ...
What can I do with the money obtained from credit?
Anything you need. No justification is required - you use the money exactly where it helps you the most.