Prestito d'Onore
APR (TAEG)
4.92–5.53%
Who can apply
Loan approval is subject to an assessment of the applicant’s academic record and minimum grade and master’s programme requirements.
All of these conditions
Loan approval is subject to an assessment of the applicant’s academic record. Minimum eligibility requirements: Bachelor’s or Master’s degree grade >= 95/110. Eligible master’s programmes in Italy: first- or second-level university programmes, or programmes offered by schools accredited by Asfor or Miur, delivered in person or by live streaming, with a minimum duration of 200 hours and minimum cost of €3,000. Eligible master’s programmes abroad: MBA or LLM.
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 d'Onore - Tasso Variabile
Variable-rate loan for a master’s programme, including partial coverage of living and accommodation expenses up to 10% of the programme cost.
- Amount
- up to €50,000
- Term
- up to 120 months
- Annual interest rate (TAN)
- 4.7%
- APR range (TAEG)
- Not available
Lender: Banca Sella S.p.A.
Linked account: Account into which the loan is paid
- Origination fee
- 0.5%
- Installment collection
- Free / month
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
Free
Variable rate: no compensation due
- Contract stamp duty
- —
- Registration tax
- —
- Substitute tax
0.25%
Substitute tax under Article 15(3) of Presidential Decree 601/1973
- Cost conditions
- Disbursement fee 0,50% on the disbursed amount; installment management and collection expenses €0.00.
Representative examples
Published lender examples; these are not personal quotes.
€50,000 · 120 months
Installment €523.03 · APR (TAEG) 4.92%
Total repayable €68,027
Representative example at a variable rate
Prestito d'Onore - Tasso Fisso
Fixed-rate loan for a master’s programme, including partial coverage of living and accommodation expenses up to 10% of the programme cost.
- Amount
- up to €50,000
- Term
- up to 120 months
- Annual interest rate (TAN)
- 5.3%
- APR range (TAEG)
- Not available
Lender: Banca Sella S.p.A.
Linked account: Account into which the loan is paid
- Origination fee
- 0.5%
- Installment collection
- Free / month
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
1%
Fixed Rate: 1% of the amount refunded in advance if the remaining contract life is greater than 1 year
0.5%
Fixed Rate: 0,50% of the amount refunded in advance if the remaining contract life is equal to or less than 1 year
- Contract stamp duty
- —
- Registration tax
- —
- Substitute tax
0.25%
Substitute tax under Article 15(3) of Presidential Decree 601/1973
- Cost conditions
- Disbursement fee 0,50% on the disbursed amount; installment management and collection expenses €0.00.
Representative examples
Published lender examples; these are not personal quotes.
€50,000 · 120 months
Installment €537.69 · APR (TAEG) 5.53%
Total repayable €70,377.98
Representative example at a fixed rate
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
- Yes
- Debt consolidation
- —
- Skip an installment
- —
- Joint borrower
- —
- Guarantor accepted
- —
- Education
- Yes
- Home
- —
- Mobility
- —
- Health
- —
- Family
- —
- Sustainability
- —
- Starting a career
- —
Documents and sources
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