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BNL BNP Paribas

BNL Abito Prestito Ristrutturazione

APR (TAEG)

9.19%

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 Abito Prestito Ristrutturazione

Standard offer for home energy efficiency improvements

Amount
€5,000–€100,000
Term
6–120 months
Annual interest rate (TAN)
8.75%
APR range (TAEG)
up to 9.19%

Lender: BANCA NAZIONALE DEL LAVORO S.p.A.

Origination fee
Free
Installment collection
€1.00 / month
Statement delivery
€1.00 / month
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

Free

in case of early termination resulting from porting pursuant to art. 120 quater of Legislative Decree 385/1993, if carried out in execution of an insurance contract or if the amount repaid early corresponds to the entire remaining debt and is equal to or less than 10.000 euros

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.

€20,000 · 96 months

Installment €291.14 · APR (TAEG) 9.19%

Representative example for an uninsured loan

Who can apply

All of these conditions

  • Consumers (individuals acting for strictly personal purposes unrelated to any business, commercial, craft or professional activity they may carry out).

Repayment flexibility

Skip an installment: Yes

Flexi Option: after 12 months from loan disbursement

Paid installments before first use:
12
Minimum months between uses:
—
Maximum uses:
— · Flexi Option: after 12 months from loan disbursement
Option fee:
€30.00

Reduce an installment: —

Change payment day: —

Additional borrowing: Yes

Reload Option: after 6 months from loan disbursement

Paid installments before first use:
—
Minimum months between uses:
6
Maximum uses:
— · Reload Option: after 6 months from loan disbursement
Option fee:
—

Lender: BANCA NAZIONALE DEL LAVORO S.p.A.

Features

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

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