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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)

# 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**

- [Source 1 · www.sella.it](https://www.sella.it/SSRDocumentDisplayer?dtdPG=SECCI13_BSE&dtdPE=1)
- [Source 2 · www.sella.it](https://www.sella.it/banca-on-line/privati/finanziamenti/prestiti/prestito-d-onore)

## Similar offers

- **Banca Sella** · [Credito Personale Ristrutturazione Immobili](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-ristrutturazione-id-af18275a24584830)

  APR (TAEG)

  **8.39%**
- **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%**
- **Banca Sella** · [Prestito Sella Smart](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-sella-smart-id-850fccfb42729d15)

  APR (TAEG)

  **7.57%**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-d-onore-id-1c5e406ea7c44520 (accessed 2026-11-01)

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