I accessed a personal loan with a fixed interest rate and I want to repay it early in full, are there any costs?
For fixed interest loans there is an early repayment fee:➤⠀1% of the early repaid loan amount, if the time period ...
What is the „Centrala Riscurilor Bancare” (CRB)?
It is a specialized institution in:➤⠀collection; ➤⠀storage;➤⠀and centralization of information about the payment behavior of consumers who ...
What is a quick loan?
Quick credit is a financing product intended for any needs of your company. 😊Whether you need money for working capital or even for ...
Can the account authorized person request early repayment of the credit?
Of course, however the proxy must hold a notarized power of attorney in this regard. For the reimbursement of credit facilities, we are waiting for you at any ...
For a company loan, do I have to justify to the bank how I use the money?
In general, for investment loans, the use of the money is based on the presentation of invoices and estimates because we want to make sure that you use ...
Who is the "guarantor"?
The guarantor is the owner of the property brought as collateral or the one who guarantees, with the income received, the granting of a loan. 😮❗⠀If you ...
How do I make a budget if I want to take out a loan?
In order not to take a loan without being sure that you have the possibility to pay it, we recommend that you make an income and expense budget. 😊 How it is done ...
What is IRCC?
IRCC is the reference index for loans with variable interest granted in LEI and which, starting from May 2, 2019, according to Emergency Ordinance 19/2019, replaces ...
Can I repay a loan early?
Of course 😊! You have the possibility to request total or partial early repayment of the loan in progress at BT. You just need to deposit into your account ...
What is a "personal needs loan"?
Personal loan is a loan you get from the bank when you want to make a purchase, but you don't have enough money. ...
Where can I renew the PAD policy related to the mortgaged property?
The PAD policy can be renewed at any BT unit or directly in BT Pay - at the moment you issue a new optional policy from the application.
How does factoring work?
1. Contract conclusionYou choose the appropriate type of factoring (domestic, export, import, with/without recourse).We establish together the financing limit and conditions ...