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

You just have to:

❶⠀You have an employment contract of indefinite duration;

❷⠀You are not in arrears or in arrears of any amounts due if you had other credit products;

❸⠀You earn a salary, pension or other income that is permanent and certain;

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

❺⠀You fit in from a BT scoring point of view. This check will be done in our unitsdepending on your financial situation;

❻⠀You are 65 years of age or older at the end of the credit period* (unless you have pension income, in which case your age will not exceed 70 at the end of the crediting period).

* The end of the credit period means when you have paid the last instalment of the loan you have received from us. 😉

Further details on length of service

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

We take into account both:

➤⠀ length of service (in earning wages); 

➤⠀as well as that of your current employer.

❗⠀Remember also that: The minimum limit from which a credit relationship could be initiated is one year in employment and at least 3 months seniority with the current employer. ⏳

Information on indebtedness

Each type of product has a maximum leverage, and customers' access to a particular loan depends on this element as well. 🙂

In determining the degree of indebtedness, account is taken of:

➤⠀level of income earned;

➤⠀and the total payment obligations (not only loans, but also other monthly payment amounts such as a CAR payment) plus the monthly payment amount for the requested loan.

Maximum leverage ratios are set by our internal procedures and must comply with the maximum level regulated by law. 📑

For example: the maximum level of indebtedness for a consumer credit used for personal needs (in RON, when the customer earns income in RON) is 40%.

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

❗⠀If you're thinking of taking a credit:

➤⠀you can calculate your monthly instalments online in the BT credit simulator;

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