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BNL BNP Paribas

Prestito BNL In Novo

APR (TAEG)

11–12.59%

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.

BNL In Novo il Prestito - Tasso fisso

Standard fixed-rate loan

Amount
€5,000–€100,000
Term
6–120 months
Annual interest rate (TAN)
9.75%
APR range (TAEG)
11%

Lender: Banca Nazionale del Lavoro S.p.A.

Origination fee
2%
Installment collection
€1.00 / month
Statement delivery
€1.00 / —
Statement stamp duty
—
Early repayment

1%

if more than one year remains on the agreement

0.5%

if one year or less remains on the agreement

Contract stamp duty
—
Registration tax
—
Substitute tax

0.25%

for loans with a term longer than 18 months

Representative examples

Published lender examples; these are not personal quotes.

€15,000 · 84 months

Installment €252.77 · APR (TAEG) 11%

Representative example for an uninsured loan

€15,000 · 84 months

Installment €264.12 · APR (TAEG) 12.59%

Representative example for a loan insured by BNL Personal Loan Insurance – Premium version

Repayment flexibility

Skip an installment: Yes

Flexi option

Paid installments before first use:
12
Minimum months between uses:
—
Maximum uses:
— · Flexi option
Option fee:
€30.00

Reduce an installment: —

Change payment day: —

Additional borrowing: Yes

Reload option

Paid installments before first use:
6
Minimum months between uses:
—
Maximum uses:
— · Reload option
Option fee:
—

Lender: Banca Nazionale del Lavoro S.p.A.

Features

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

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