Can I have an overdraft if I already have other loans at BT? - AskBT | Transilvania Bank

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Can I have an overdraft if I already have other loans at BT?

Yes, it is possible!

The fact that you already have other loans at Banca Transilvania does not automatically disqualify you. Your eligibility for an Overdraft is determined by:

Your repayment capacity: The bank analyzes your total income, from which all current installments are deducted (including those from BT and other banks).
Debt ratio: The total amount of debts should not exceed the maximum limit imposed by the NBR (usually 40% of the net income).

If you fall within the maximum allowed indebtedness level, you can benefit from an Overdraft even if you already have other loans!

Last update

2026-06-12

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