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Banco BPM

Prestito Versatilo

APR (TAEG)

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Who can apply

Eligibility requirements include being an adult, resident in Italy, having regular verifiable income and passing the bank’s creditworthiness assessment.

All of these conditions

  • You must be at least 18 to apply

  • Residence in Italy.

  • Designed for families, employees, self-employed professionals and pensioners

  • Verifiable regular income and a positive creditworthiness assessment

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 Versatilo

Fixed-rate personal loan

Amount
€1,500–€50,000
Term
up to 120 months
Annual interest rate (TAN)
Not available
APR range (TAEG)
Not available

Lender: Agos Ducato S.p.A.

Origination fee
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Installment collection
—
Statement delivery
—
Statement stamp duty
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Early repayment

Free

Repayments of €10,000 or less

1%

Early repayment within statutory limits (1% or 0.5%)

Contract stamp duty
—
Registration tax
—
Substitute tax
—
Cost conditions
The loan provides for the payment of interest and ancillary costs on the financed capital, including processing fees and monthly installment collection fees.

Repayment flexibility

Skip an installment: Yes

Defer an instalment payment

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
— · Defer an instalment payment
Option fee:
—

Flexibility options can be exercised in compliance with contractually foreseen limits (e.g. regularity of payments, reimbursement via SDD and maximum duration 120 months) and are not cumulative.

All of these conditions

  • Regularity of payments, refund via SDD direct debit and maximum duration 120 months

Reduce an installment: Yes

Modify the installment amount

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
— · Modify the installment amount
Option fee:
—

Flexibility options can be exercised in compliance with contractually foreseen limits and are not cumulative.

All of these conditions

  • Regularity of payments, refund via SDD direct debit and maximum duration 120 months

Change payment day: —

Additional borrowing: —

Lender: Agos Ducato S.p.A.

Distributor: Banco BPM S.p.A.

Features

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

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