Useful information
Explanatory guide for credit terms
This page is automatically translated from Romanian into English.
If you already have a personal loan with another bank, you can enjoy advantageous conditions and a lower monthly installment by refinancing at BT.
For fixed-rate loans:
You can get a reduced cost from 7.80% to 17.40% if you opt for refinancing, cash the income into your BT account and add a life and unemployment insurance policy. Otherwise, interest is fixed throughout the period and ranges from 9.85% to 18.10%.
For variable-rate loans:
You get a lower monthly payment by refinancing "balance on balance", i.e. without any additional amount, a loan granted before 8 July 2020 by another bank.
We'll take care of the calculations, you just need to know that:
Want to know more? Fill out the form below or come on to any BT. 😊
*The cost of insurance, included in the total cost of the loan, is 1,204 lei.
* The insurance cost, included in the total cost of the loan, is 1,204 lei.
Explanatory guide for credit terms