Why choose government bonds for investments?
Government bonds are considered low-risk instruments, guaranteed by the Romanian state. The interest is known from the beginning and is paid annually, until ...
What is the minimum age to apply for Star Card?
You can apply for Star Card if you are at least 18 years old and meet the other eligibility criteria (income, credit history).
Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...
What advantages do the loans included in the EIB program offer?
EBRD loans benefit from an interest rate reduction of 0.25% per year, which makes them more accessible.They are especially suitable for investments, especially ...
Is it enough if I only have in the account the amount I want to reimburse?
No. You need funds for the amount you want to repay and for the early repayment commission, if applicable.
How much does it cost to replace the card in case of loss or theft?
Card replacement (upon request or in case of loss/theft) may involve a fee, according to the fee and commission brochure available on the website. Check ...
What does a mortgage loan mean for me, as a future client?
A mortgage loan offers you flexibility and freedom in managing your real estate plans. It allows you to pledge another property as collateral and ...
Is it worth refinancing a mortgage with a variable interest rate now?
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly payment. Such a change can lead to a ...
Can I apply for a Star Card if I am retired?
Yes. Pensioners can apply for the Star Card if they meet the minimum income threshold (800 lei net/month). The pension is accepted as a source of income to get ...
Who can initiate early repayment - the credit holder or the co-debtors?
No. Only you, as the credit holder, can initiate early repayment from BT Pay.
What risks exist when investing in BT Romania ETF?
The value of the investment may increase or decrease depending on market developments. The ETF is focused on companies from Romania, especially from sectors such as ...
Can I invest in international ETFs?
Yes. Through BT Capital Partners, you have access to ETFs listed on international markets, in multiple currencies.