---
title: "Credito Personale Ristrutturazione Immobili – Banca Sella | 123offerte"
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[Banca Sella](https://123offerte.it/en/banking/providers/banca-sella)

# Credito Personale Ristrutturazione Immobili

APR (TAEG)

**8.39%**

### **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.

#### **Tasso Variabile**

Variable-rate financing.

- **Amount**: up to €100,000
- **Term**: up to 120 months
- **Annual interest rate (TAN)**: from 7.5%
- **APR range (TAEG)**: Not available

Lender: Banca Sella S.p.A.

- **Origination fee**: 2%
- **Installment collection**: €1.75 / month
- **Statement delivery**: —
- **Statement stamp duty**: —
- **Early repayment**: Free No compensation is due
- **Contract stamp duty**: —
- **Registration tax**: —
- **Substitute tax**: 0.25% primary home · 2% second home

#### **Representative examples**

Published lender examples; these are not personal quotes.

€100,000 · 120 months

Installment €1,187.02 · APR (TAEG) 8.39 %

Total repayable €145,151.53

Representative example at a variable rate

#### **Tasso Fisso**

Fixed-rate financing.

- **Amount**: up to €100,000
- **Term**: up to 120 months
- **Annual interest rate (TAN)**: from 7.5%
- **APR range (TAEG)**: Not available

Lender: Banca Sella S.p.A.

- **Origination fee**: 2%
- **Installment collection**: €1.75 / month
- **Statement delivery**: —
- **Statement stamp duty**: —
- **Early repayment**: Free No compensation is due
- **Contract stamp duty**: —
- **Registration tax**: —
- **Substitute tax**: 0.25% primary home · 2% second home

#### **Representative examples**

Published lender examples; these are not personal quotes.

€100,000 · 120 months

Installment €1,187.02 · APR (TAEG) 8.39 %

Total repayable €145,151.53

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**: —
- **Home**: Yes
- **Mobility**: —
- **Health**: —
- **Family**: —
- **Sustainability**: —
- **Starting a career**: —

#### **Documents and sources**

- [Source 1 · www.sella.it](https://www.sella.it/SSRDocumentDisplayer?dtdPG=SECCI22_BSE&dtdPE=1)
- [Source 2 · www.sella.it](https://www.sella.it/banca-on-line/privati/finanziamenti/prestiti/prestito-ristrutturazione)

## Similar offers

- **Banca Sella** · [Prestito d'Onore](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-d-onore-id-1c5e406ea7c44520)

  APR (TAEG)

  **4.92%**
- **Banca Sella** · [Prestito Sella Smart](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-sella-smart-id-850fccfb42729d15)

  APR (TAEG)

  **7.57%**
- **Banca Sella** · [Fondo per lo Studio](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-fondo-per-lo-studio-id-7002d172e27f5ac2)

  APR (TAEG)

  **6.08%**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-ristrutturazione-id-af18275a24584830 (accessed 2026-11-01)

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