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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[Banco BPM](https://123offerte.it/en/banking/providers/banco-bpm)

# Prestito Versatilo

APR (TAEG)

**—**

### **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**: —
- **Installment collection**: —
- **Statement delivery**: —
- **Statement stamp duty**: —
- **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**: —
- **Guarantor accepted**: —
- **Education**: —
- **Home**: —
- **Mobility**: —
- **Health**: —
- **Family**: —
- **Sustainability**: —
- **Starting a career**: —

#### **Documents and sources**

- [Source 1 · www.bancobpm.it](https://www.bancobpm.it/privati/prestiti-personali/prestiti/prestito-versatilo/)

## Similar offers

- **Banco BPM** · [Prestito Studenti](https://123offerte.it/en/banking/personal-loans/banco-bpm/banco-bpm-prestito-studenti-id-8a5a852b4895ac7c)

  APR (TAEG)

  **—**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/banco-bpm/banco-bpm-prestito-versatilo-id-8219c86c0f6ffcb1 (accessed 2026-11-01)

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