Ce condiții trebuie să îndeplinesc pentru a putea lua un credit?

The procedure is simple, the conditions for granting are minimal, and the documentation is easy to complete! 😃All you have to do is:❶⠀Have a permanent employment contract;❷⠀Have no late payments or arrears on other credit products;❸⠀Have a steady and reliable source of income, such as a salary, pension, or other types of income;❹⠀Be at least 18 years old (because in order to be credited, you must present a reliable source of repayment, i.e., an employment report);❺⠀Meet the BT scoring requirements. This check will be carried out at our branches, depending on your financial situation;❻⠀You are no older than 65 at the end of the credit period* (unless you have pension income, in which case you can be no older than 70 at the end of the credit period).* The end of the credit period means the moment when you have paid the last installment of the credit you received from us. 😉Additional details regarding length of employment During the analysis process, we take into account several factors, including your employment history and sales history. We consider both:➤⠀length of employment (in terms of salary income); ➤⠀as well as your length of service with your current employer.❗⠀Please also note that: The minimum requirement for initiating a credit relationship is one year of employment and at least three months of service with your current employer. ⏳Information on the degree of indebtedness Each type of product has a maximum degree of indebtedness, and customers' access to a particular loan also depends on this factor. 🙂In determining the degree of indebtedness, we take into account:➤⠀the level of income earned;➤⠀and total payment obligations (not just loans, but also other monthly payments such as a CAR installment), to which the monthly payment for the requested loan is added. Maximum debt levels are set by our internal procedures and must comply with the maximum level regulated by law. 📑For example: the maximum debt ratio for a standard consumer loan used for personal needs (in RON, when the customer earns income in RON) is 40%.For more details, visit any BT branch.❗⠀If you are considering taking out a loan:➤⠀you can calculate the monthly installments online using the BT loan simulator;➤⠀and then find out by phone if you are eligible for the desired amount. 😃

Ce salariu trebuie să am ca să primesc credit?

There is no minimum income threshold to apply for a BT loan. However, it is important to note that your income influences the amount you can borrow and, implicitly, the monthly installment you will pay. To get an idea of the installment, you can quickly run a simulation here, or visit any BT branch, where we will help you find the best option for you. 🤗

Care sunt pașii aprobării unui credit?

When it comes to your credit, it's always good to be well informed. 😉So, when it comes to getting a loan, you need to take the following steps: ❶⠀Perform a pre-scoring:➤ if you don't want to go to the bank, you can always perform a pre-scoring using the BT credit simulator ❗⠀Please note that the results from the simulator and the credit pre-scoring are indicative. You can only get a definite answer when you come in person to any of our branches.❷⠀Prepare your credit file: More specifically, this is when you need to bring all the necessary documents for the type of loan you want. 📑But don't worry, this step is much simpler than it seems, because our colleagues at the branches will guide you carefully so that no documents are missing. 😊❸⠀File analysis: This is where we, #OameniidelaBancă, actually step in and take over. Basically, at this point, we check various values such as your maximum debt ratio. 🤓If we need some clarification regarding your income, we may contact you. 📞But don't worry, we just want to make sure everything is in order! 🧐 ❹⠀Approval or rejection of the credit application: In other words, at this stage you will find out exactly:➤⠀whether or not you will receive the requested credit; ➤⠀and what alternative solutions are available if everything does not go as planned. 👍

Online Credit for Personal Needs - Fast Credit via BT Pay

Q: Ce beneficii am dacă aleg să-mi încasez salariul la BT?

Well, you have a lot! 😃 Pay attention:❶⠀You are not charged any fees for receiving your salary. Basically, you get exactly what you earn, not a penny less;❷⠀There are no fees for opening, managing, or closing your account. Basically, you get rid of them most of the time;❸⠀You get preferential interest rates on loans. Yep, yep, yep! On all of them! And the only condition for all these benefits is that there is a salary transfer agreement between us and your employer. Cool, right? 😎

Q: Dacă figurez la Biroul de Credit mai pot lua un credit?

If you are listed with the Credit Bureau, it does not necessarily mean that you cannot take out a loan from us. Instead, it means that we will analyze your financial and family situation alongside the information presented to the Credit Bureau. This will allow us to determine whether you are eligible for a new loan, in accordance with BT's lending rules and policies. If you are considering taking out a new loan, you can calculate your monthly payments online using the BT loan simulator and then find out by phone whether you qualify for the desired amount. Come to any BT branch to discuss all the details or check out our website, where we have prepared all the credit options for you. 😉 *It is important to note that the results from the simulator are indicative. You can get a personalized response at any of our branches, where a consultant will discuss your situation with you.

INTEREST FROM 6.49%

Fixed interest rate between 6.49% and 18.50% and ZERO file analysis fee for fixed-rate loans.

Full rules & costs.

UP TO 250.000 lei

Or up to 120,000 lei directly from BT Pay.

REPAYMENT IN UP TO 5 YEARS

In equal or decreasing monthly installments.

DO WHAT YOU WANT WITH THE MONEY

How you use your money is up to you.

AWARD CONDITIONS

Romanian citizenship
Good payment behavior
Salary, pension or other stable income for at least 3 months
Fulfilling the eligibility criteria for each type of credit

Personal needs credit

100% online via BT Pay

Do you need up to 120,000 lei quickly? BT Pay can help you out with an online loan, without having to visit the bank. Everything is digital and super simple: you run a simulation, apply, sign, and the money goes straight into your account. Right when you need it.

Download the BT Pay app and go to the "Credits" section.
Select the amount you need and the repayment period
We perform ANAF verification digitally, without income certificates.
You receive the contract and sign it directly in the application.
The money is yours 🎉 The amount is instantly transferred to your BT account.

Come into BT Pay

Banking 360°

With BT Pay, managing your loans becomes super simple.

Credit 100% ONLINE
Apply for a personal loan directly from the app.
Keep track of payments
See how much you have paid on your loan, see your installments, interest rate and the date of the next installment.
Transaction history
You have access to all the information about your credit: how much you have paid, the date you took it out, the amount, the amount outstanding, the date your credit ends.
Repayment schedule
See it in real time and download it when you need it.

up to 250.000 lei

So many plans,
so many advantages.

Apply for credit

SEE WHAT CREDIT SUITS YOU

Online credit for personal needs, car leasing, student loans or real estate. See the features of each type of loan and choose the one that's right for you, depending on your plans.

Compare loans

Refinance your loan with BT

For fixed interest loans you can get a reduced cost of between 6.49% and 18.50% if you refinance a loan from another bank, cash the proceeds into your BT account and add a life and unemployment insurance policy. For variable rate loans, you can get a lower monthly rate by refinancing a loan granted before July 8, 2020 by another bank for a maximum period of 10 years, with no additional amount.

I want to refinance

RAPID HELP

Well, you have a lot! 😃 Payattention:

❶⠀You are not charged any fees for receiving your salary. Basically, you receive exactly what you earn, not a penny less;

❷⠀There are no fees for opening, managing, or closing account. Basically, you get rid of them most of the time;

❸⠀You get preferential interest rates on loans. Yep, yep, yep! On all of them!

And the only condition for all these benefits is that there is a salary transfer agreement between us and your employer. Cool, right? 😎

APR (or Annual Percentage Rate) is expressed as a percentage and represents the total cost of a loan. 😉

It is often used in attempts to compare two loans.

It can often be useful, but it's good to understand the following factors that influence its value in more detail. 🙂

Costs included in the APR

Some banks choose not to include the costs life insurance in the APR. 😅

Also:

➤⠀management fees for current accounts are not usually included in the APR;

➤⠀the same applies to insurance policies for real estate provided as collateral.

How costs are perceived

As you know, some banks charge commissions and fees when granting a loan, while others charge them over time. 📆

It is important for you to know how much money you need to have available when the loan is granted.

Let's look at an example

➤⠀At Bank X, a loan may have an analysis fee of 300 lei and an additional monthly fee of 5 lei for a period of 60 months (a total of 600 lei).

➤⠀At Bank Y, a loan may have an analysis fee of 600 lei and a monthly administration fee of 0 lei.

In both cases, the amount payable is the same, 600 lei. However:

➤⠀When you take out a loan from Bank Y, you should have 600 lei in your current account.

➤⠀whereas, for the one at bank X, you would only need 300 lei in your current account (i.e., the amount represented by the analysis fee).

❗⠀If you want to learn more information about the terms used in lending, visit our website, where we have prepared a comprehensive guide explaining these terms.

The procedure is simple, the conditions for approval are minimal, and the paperwork is easy to complete! 😃

You just have to:

❶⠀You have a permanent employment contract;

❷⠀You have no delays or arrears in paying amounts owed if you have had other credit products;

❸⠀You earn salary income, pensions, or other types of income that are permanent and certain;

❹⠀You are at least 18 years old (because in order to be credited, you must provide a reliable source of repayment, i.e., a work report);

❺⠀You qualify in terms of BT scoring. This check will be carried out at our units, depending on your financial situation.

❻⠀You are no older than 65 at the end of the loan period* (unless you have pension income, in which case you must be no older than 70 at the end of the loan period).

* The end of the loan period is when you have paid the last installment of the loan you received from us. 😉

Additional details regarding seniority

In the analysis process, we take into account several elements, including work history and sales history.

We take into account both:

➤⠀length of service (in terms of salary income);

➤⠀as well as that of the current employer.

❗⠀Keep in mind that: The minimum requirement for starting a credit relationship is one year of employment and at least three months with your current employer. ⏳

Information on the degree of indebtedness

Each type of product has a maximum debt ratio, and customers' access to a particular loan also depends on this factor. 🙂

When determining the degree of indebtedness, the following shall be taken into account:

➤⠀level of income generated;

➤⠀and the total payment obligations (not only loans, but also other monthly payments such as a CAR installment), to which is added the monthly payment for the requested loan.

Maximum debt ratios are established through our internal procedures and must comply with the maximum level regulated by law. 📑

For example: the maximum debt ratio for a consumer loan used for personal needs (in RON, when the customer earns income in RON) is 40%.

For more details, please visit any BT unit.

❗⠀If you are considering taking out a loan:

➤⠀You can calculate your monthly payments online using the the BT loan simulator;

➤⠀and then you find out by phone if you qualify for the desired amount. 😃

There is no minimum income threshold to apply for a BT loan. However, it is important to note that your income affects the amount you can borrow and, consequently, the monthly payment you will make.

To get an idea of the rate, you can quickly run a simulation here or visit any BT branch to find the best option for you. 🤗

Yes! In this case, you benefit from preferential interest rates and fees on personal loans. 😎

For more details we are waiting for you in any BT unit.

❗⠀If you are considering taking out a loan:

➤⠀You can calculate your monthly payments online using the the BT loan simulator;

➤⠀and then you find out by phone if you qualify for the desired amount. 😃

If you are registered with the Credit Bureau, it does not necessarily mean that you can no longer take out a loan with us. Instead, it means that we will look at your financial and family situation alongside the situation you present to the Credit Bureau. This is how we will see if you are eligible for a new loan, according to BT's lending rules and policies.

If you are considering taking out a new loan, you can calculate the monthly installments online using the the BT loan simulator and then find out by phone if you qualify for the desired amount. Come to any BT branch to discuss all the details or check out our website, where we have prepared all the loan options for you. 😉

*It is important to note that the results from the simulator are indicative. You can get a personalized response at any of our branches, where a consultant will discuss your options with you.

When it comes to your credit, it's good to always be well informed. 😉

So, when it comes to granting a loan, you need to take the following steps:

❶⠀Performing a pre-scoring:

➤ If you don't want to go to the bank, you can always do a pre-scoring using the BT credit simulator

❗⠀Please note that the results from the simulator and credit pre-scoring are indicative.

You can only get a definite answer when you come in person to any of our offices.

❷⠀Preparing the credit file:

More specifically, this is when you need to bring all the necessary documents for the type of loan you want. 📑

But don't worry, this step is much simpler than it seems, because our colleagues at the agencies will guide you carefully so that no documents are missing. 😊

❸⠀Analysis of the file:

This is where we actually come in, #BankPeople, and take over. Basically, at this point, we check various values such as the maximum debt ratio. 🤓

If we need further clarification regarding your income, we may contact you. 📞

But don't worry, we just want to make sure everything is okay! 🧐

❹⠀Approval or rejection of the credit application:

In other words, at this step you find out exactly:

➤⠀whether or not you receive the requested credit;

➤⠀and what alternative solutions there are if things don't go as planned. 👍

Of course! 😊 You can request full or partial early repayment of all or part of your outstanding BT loan. Simply deposit the amount you want to prepay into your current account and then take your ID to any BT branch to complete the early repayment request.

In the event of unforeseen circumstances (decrease in income, job loss, health problems, divorce/property division, etc.), we will work together to find solutions to ensure that you can continue to pay your installments. All you need to do is visit any BT branch 😊.

If you are considering taking out a loan, you can calculate your monthly payments online using the BT loan simulator and then find out by phone whether you qualify for the desired amount.

See all questions

WHY PUT OFF WHAT YOU WANT?

With personal loans from BT, you get the money exactly when you need it, hassle-free. For big plans or unexpected expenses, it's simple, fast and flexible. Apply online and enjoy the freedom to say yes to your plans.

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