How are earnings from BT România ETF taxed?
You pay tax only when you sell and make a profit: 3% if you held the investment for over 1 year 6% if you held it for less than 1 year The tax is withheld ...
Do I have to move my salary to BT in order to refinance a personal loan?
You can refinance a personal loan at Banca Transilvania without being required to transfer your salary to the BT account. However, transferring the salary may ...
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 apply for a credit card if I am a PFA (authorized natural person) or have income from independent activities?
Yes, individual authorized persons and individuals with income from independent activities can apply. The bank will require supporting documents (e.g.: the latest tax returns or ...
What are loans with EIF guarantees and who are they addressed to?
Loans with EIF guarantees are financing granted through the EIF Competitiveness and EIF Sustainability programs, developed in partnership with the European Fund ...
How can I issue a voluntary home insurance directly from BT Pay?
You can access the option if you use BT Pay, as follows: If you have a loan for a property brought as collateral, then you can access the insurance from the Insurance tab ...
What operations can I perform through the notary account?
Through the special account you can make payments, collections, and transfers both within the BT network and to other banks.
What is the difference between a real estate loan and a mortgage loan?
Mortgage credit is more flexible and can finance a wide range of investments: housing, land, non-residential spaces, modernizations, or refinancing. ...
How do I increase my credit limit?
You can request a credit limit increase after a period of active and responsible card usage (usually, a minimum of 6 months). The request can ...
How are the clients' funds separated from those of the notary office?
The account is specially designed to separately manage clients' funds. Funds intended for notarial transactions are not mixed with those of ...
What types of guarantees may be required for the green loan?
Guarantees are established depending on the project - they may include financed equipment, additional guarantees or own contribution, depending on the complexity ...
What is the Premium Club subscription and who is it addressed to?
It is an exclusive subscription created for Premium clients — those with income >10,000 lei monthly or resources between 75,000 and 200,000 EUR in the Group ...