Frequently Asked Questions

Here we answer the most frequently asked questions addressed to us. We have selected the most common questions and grouped their answers below. We hope you find them useful.

If you still cannot find the answers to your questions, we are here for you and will respond as soon as possible.

What do you gain by choosing us?

We ensure that before making a decision, clients are fully informed about all the details of the credit agreement they commit to.
We handle the entire documentation required for preparing the credit application file.
We submit the application file to the bank and follow it through until approval.

What will the interaction with the bank be like?

By using our services, you will only need to go to the bank once, at the time of signing the contract. We take care of everything else!

Why Global Expert Solutions?

Because we are defined by seriousness and professionalism, and we are flexible and open in our discussions with our clients.
Because we have the necessary experience and understand how important these services can be for our clients.
Because we do not charge a commission.

Why don’t we charge a commission?

Because we are commissioned by the banks and NBFIs we work with, and only when the application is approved. In this way, banks and NBFIs choose to work with us and reduce the costs they would otherwise incur by opening new branches and hiring additional agents in order to acquire new clients.

What types of loans can I apply for?

Any type of loan designed to meet your most ambitious projects and address your most pressing financial needs.

Loan in RON or EUR?

These decisions vary from case to case, as each financial product has its own purpose and specific characteristics. Moreover, this decision largely depends on the borrower’s financial situation. However, a good approach would be to choose a loan in the same currency in which the salary is received, for better protection against currency risk.

What type of interest rate can I choose?

This also depends on the chosen banking or non-banking financial product, your personal financial situation, and even the economic conditions at the time of the application. You can rely on the solid economic expertise of our team members, who will advise you on this matter.

My schedule is very busy and I do not have time to go to the bank or visit you multiple times. Can we still work together?

Yes. We are here to take care of these matters for you. We are flexible, and you can rely on receiving all the necessary information and the best advice in choosing a credit product, without wasting time traveling between banks.

Can I obtain a loan if I am listed with the Credit Bureau?

The credit history is analyzed for each client individually. If at some point you have encountered difficulties that led to your inability to repay loans on time, this does not mean that all options are closed to you. Together, we will try to find a financing solution suited to your current needs.

What types of income are accepted for a loan?

Any type of income can serve as a basis for obtaining a loan. This includes salary income, PFA or lump-sum PFA income, as well as income from abroad and dividends. However, it is very important what percentage of that income can be taken into consideration. Send us an email at office@globalxpert.ro, call us at 021.230.43.43, or complete the application form on our website, and you will receive a response to your request as soon as possible.

If I am from another city, can I still use Global Expert Solutions services?

Of course, we are present in Bucharest and in other cities across the country. Send us an email at office@globalxpert.ro, call us at 031.432.76.61, or complete the application form on our website, and we will find the nearest credit broker in your area.

How long does it take to obtain a loan?

It depends on the type of loan you have chosen, as well as other factors. The approval time varies from a few days for personal loans to 3–4 weeks for mortgage loans.

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