What are the costs associated with owning a Star Card?
The main costs are: Annual administration fee: check the fee schedule, but there are often exemption offers under certain conditions. Interest: It ...
Can I refinance a personal loan if I have multiple active loans at other banks?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...
How do I calculate if refinancing a mortgage/real estate loan is advantageous?
Compare three essential things: Current monthly rate vs. new rate; Current interest vs. new interest; Monthly savings vs. refinancing costs (notary, ...
What advantages do you have if you refinance a personal loan from another bank to BT?
You have several advantages: • Zero file analysis commission, during periods when dedicated campaigns exist; • Competitive interest rate, adapted to your profile ...
Are there commissions for installment payments at partners?
No. Installment payments at Star Card partner merchants have 0% interest and 0% commission, this being one of the major advantages of the card. The cost is ...
Is there a maximum amount for the installment payments?
There is no minimum amount imposed by the bank to make installment payments to Star partners. The limit is given only by how much money you still have available on ...
In what cases can my debt ratio increase?
The debt ratio can increase when your income rises or when your monthly expenses decrease. Practically, you have more room in the budget for an installment ...
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 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 ...
Can I manage my card and transactions through the BT Pay app?
Yes. Through the BT Pay application you can see all transactions, the available balance, you can activate or block the card, you can pay the installments and you can find the merchants ...
Can I obtain a loan if I already have other ongoing loans?
Yes, if the indebtedness ratio remains within the legal limits and your income allows you to pay a new installment. We analyze each situation to see what options ...