Refinancing - IntrebBT | Transilvania Bank
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20 questions and answers
Only for BT clients

Can I refinance a mortgage loan?

Yes, you can refinance all types of loans for real estate investments contracted from other banks or even from us. 😃By refinancing the loan ...

190 votes

When is it appropriate to refinance a loan?

Refinancing is the process of applying for a new loan through which you repay in advance the existing loan or loans and, eventually, you are left with some ...

282 votes

Can I refinance multiple loans with a single loan?

Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...

322 votes
Only for BT clients

What does "refinancing a consumer loan" mean?

Refinancing involves taking out a new loan through which you pay off one or more consumer credits, the possible additional amount obtained being able to be ...

427 votes

Can I refinance loans from other banks or non-banking financial institutions through Direct Credit?

Yes, you can refinance any loan or credit card held, through the Direct Card or through credit, provided that supporting documents are presented.

75 votes

Is it possible to refinance a loan taken through New House or First House?

The holder of such a loan has a prohibition on alienation and encumbrance for the first 5 years. After the expiration of this period, with prior obtaining of ...

59 votes

If I requested a loan with refinancing, when can I withdraw the additional amount?

The additional amount will be waiting for you in your BT Direct account and you will be able to enjoy it only after you bring proof of the closure of the loan / loans ...

24 votes
Only for BT clients

Can I refinance loans from other institutions with the loan obtained from BT Mic?

Yes, through the BT Mic loan, you can refinance loans taken from other institutions. 😃

19 votes

Can I refinance my company's current loans from another bank through BT?

Yes! It is possible if their guarantees become accessory to:➤⠀the analyzed credit; ➤⠀or to another BT credit.

18 votes

A company can refinance a loan granted to a shareholder or its administrator as an individual? But inversely?

A company cannot refinance loans granted to its individual shareholders or associates. 😕But the shareholders or administrators of a company can ...

7 votes

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 ...

7 votes

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 ...

2 votes