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Banca Mediolanum

Prestito Mediolanum

APR (TAEG)

5.4%

Who can apply

All of these conditions

  • Applicants must be the holder or a joint holder of investments worth at least €5,000 in total, consisting of managed savings products and/or securities held in custody and administration with Banca Mediolanum S.p.A., free of liens and not pledged as security for other transactions.

  • The loan must not be used to finance business or commercial activities.

General offer terms

TAN is the annual interest rate. APR, called TAEG in Italy, includes interest and other required borrowing costs. The lender confirms the rate for your application.

Prestito Mediolanum

Variable-rate loan secured by investment products

Amount
€2,000–€250,000
Term
12–120 months
Annual interest rate (TAN)
Not available
APR range (TAEG)
up to 5.4%

Lender: Banca Mediolanum S.p.A.

Origination fee
—
Installment collection
Free / month
Statement delivery
Free
Statement stamp duty
—
Early repayment

1%

Equal to 1% of the early repaid principal if full repayment takes place in the first half of the loan term and provided that a period equal to or greater than one year remains until its maturity. Not due in specific cases (second half of life, policy execution, amount equal to or less than €10,000).

Contract stamp duty

€16.00

Applied to the loan amount if the loan is not serviced through a current account

Registration tax

€200

Registration tax on the agreement if used

€200

Registration tax on the sales mandate if used

Substitute tax
—
Representative examples

Published lender examples; these are not personal quotes.

€100,000 · 36 months

Installment €3,009.09 · APR (TAEG) 5.4%

Total repayable €108,766.15

Variable-rate secured loan of €100,000 before collateral adjustments, over 36 months, asset tier D

Repayment flexibility

Skip an installment: Yes

Postpone the repayment of one installment for each calendar year of the loan duration (maximum 3 installments over the duration, after paying the first 9 consecutive installments and with no overdue installments).

Paid installments before first use:
9
Minimum months between uses:
12
Maximum uses:
3 · Postpone the repayment of one installment for each calendar year of the loan duration (maximum 3 installments over the duration, after paying the first 9 consecutive installments and with no overdue installments).
Option fee:
—

Reduce an installment: —

Change payment day: —

Additional borrowing: —

Lender: Banca Mediolanum S.p.A.

Distributor: Banca Mediolanum S.p.A.

Features

Fixed rate available
No
Variable rate available
Yes
Debt consolidation
—
Skip an installment
Yes
Joint borrower
—
Guarantor accepted
Yes
Education
—
Home
—
Mobility
—
Health
—
Family
—
Sustainability
—
Starting a career
—
Documents and sources

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