What is refinancing a mortgage loan?
Refinancing a mortgage loan means replacing the existing loan with a new loan, contracted either at the same bank or at another ...
What are the advantages of refinancing a mortgage loan at Banca Transilvania?
Refinancing a mortgage loan at BT can have several real advantages. In short, you can benefit from:Competitive interest rates that can bring you ...
Can I refinance a mortgage if I have late payments on the installments?
Payment history matters to obtain a loan. A good payment behavior is one of BT's conditions for granting a mortgage loan.❗ ...
Can I refinance a mortgage loan at BT that I also took out from BT?
Of course 😊 BT offers you the possibility to refinance a mortgage-real estate loan contracted directly at Banca Transilvania. We are waiting for you in BT branches ...
How long do I need to have the current mortgage in order to refinance?
You can refinance the loan you have whenever you want. 😊❗ The colleagues from BT units can help you with a personalized offer, so you can make the decision ...
Can I refinance a mortgage loan if I have a foreign currency loan?
Yes, it is possible to refinance a loan in euros (EUR) through a new loan in lei (RON) or vice versa, depending on your financial situation and ...
What happens with the mortgage upon refinancing?
At refinancing, the existing mortgage (established in favor of the current bank) is canceled and a new mortgage is established in favor of Banca Transilvania. ...
Can I refinance a mortgage if I have a co-debtor?
Yes. The refinanced loan can be contracted either with the same codebtor from the initial loan, or with a different codebtor, depending on the situation ...
Will the interest rate on the refinanced mortgage loan be fixed or variable?
The choice is yours 😊In a mortgage loan contract, you can choose between a fixed interest rate for a certain period, then variable (only in the case of loans ...
How do I sign a transaction in BT Pay Web with the mobile application - BT Pay Mobile?
If you have chosen this option and use the BT Pay mobile app, signing transactions in BT Pay Web is done by approving the notification ...
Do I need to have the BT Pay Mobile app to sign transactions in BT Pay Web?
It is not mandatory. If you do not have the BT Pay mobile app or if it is not available, transactions from BT Pay Web can be signed using the code ...
Why do I no longer receive SMS when I sign a transaction in BT Pay Web?
If you chose to confirm the login to the platform through the push notification in the mobile BTPay application, then the transactions will also be confirmed through the same ...