Fondo per lo Studio
APR (TAEG)
6.08–6.14%
Who can apply
Eligibility is subject to academic merit requirements and pre-acceptance by the Consap managing body through the MyConsap portal.
All of these conditions
For students aged 18 to 40.
Students duly enrolled in a degree, master’s or specialization programme with a good grade in their previous qualification, or enrolled in a PhD, language course or programme at an Higher Technical Institute (ITS Academy), with a public guarantee from the Study Fund (Consap).
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.
Apertura di credito - Fondo per lo Studio
A fixed-term line of credit made available in annual tranches of no more than €15,000.
- Amount
- up to €70,000
- Term
- up to 60 months
- Annual interest rate (TAN)
- 6%
- APR range (TAEG)
- Not available
Lender: Banca Sella S.p.A.
Linked account: Sella Account
- Origination fee
- —
- Installment collection
- —
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
- —
- Contract stamp duty
- —
- Registration tax
- —
- Substitute tax
- —
- Cost conditions
- All-inclusive fee not applicable.
Representative examples
Published lender examples; these are not personal quotes.
€70,000 · 60 months
Installment — · APR (TAEG) 6.14%
Total repayable €91,426.88
Credit line of €70,000.00 for 5 years at 6.00%, fully drawn for the entire term.
Credito Personale - Fondo per lo Studio
Loan granted when the credit facility expires to repay it, with equal instalments and a 30-month interest-only period.
- Amount
- up to €70,000
- Term
- up to 120 months
- Annual interest rate (TAN)
- 6%
- APR range (TAEG)
- Not available
Lender: Banca Sella S.p.A.
- Origination fee
- Free
- Installment collection
- Free / month
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
1%
As a percentage of the principal repaid in advance if the remaining life of the contract is greater than 1 year
0.5%
As a percentage of the principal repaid in advance if the remaining life of the contract is equal to or less than 1 year
- Contract stamp duty
- —
- Registration tax
- —
- Substitute tax
0.25%
Substitute tax pursuant to Presidential Decree (D.p.r.) 29/09/73 no. 601 art. 15, par. 3
- Cost conditions
- The compensation for early repayment cannot exceed the amount of interest that the Consumer would have paid for the remaining life of the contract and is not due if the repayment takes place in execution of an insurance contract or if the residual debt is equal to or less than €10,000.
Representative examples
Published lender examples; these are not personal quotes.
€70,000 · 120 months
Installment €777.15 · APR (TAEG) 6.08%
Total repayable €104,042.78
Loan of €70,000.00 for 10 years, plus a 30-month interest-only period, at 6.00%, with monthly instalments.
Repayment flexibility
Skip an installment: —
Reduce an installment: —
Change payment day: —
Additional borrowing: —
Lender: Banca Sella S.p.A.
Features
- Fixed rate available
- Yes
- Variable rate available
- No
- Debt consolidation
- No
- Skip an installment
- —
- Joint borrower
- —
- Guarantor accepted
- —
- Education
- Yes
- Home
- —
- Mobility
- —
- Health
- —
- Family
- —
- Sustainability
- —
- Starting a career
- —
Documents and sources
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