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title: "BNL Abito Prestito Ristrutturazione – BNL BNP Paribas | 123offerte"
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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[BNL BNP Paribas](https://123offerte.it/en/banking/providers/bnl)

# BNL Abito Prestito Ristrutturazione

APR (TAEG)

**9.19%**

### **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).

### **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

### **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**

- [Source 1 · bnl.it](https://bnl.it/bin/plabintegration/pdfdownloadservlet.239741.Z00004.Z00004.015.pdf)
- [Source 2 · bnl.it](https://bnl.it/content/dam/rsc/bnl/documenti/finanziamenti/SECCI-PRESTITO_RISTRUTTURAZIONE.pdf)
- [Source 3 · bnl.it](https://bnl.it/it/per-te/prestiti/bnl-ristrutturazione)

## Similar offers

- **BNL BNP Paribas** · [Prestito BNL In Novo](https://123offerte.it/en/banking/personal-loans/bnl/in-novo-id-25613d16bb707a40)

  APR (TAEG)

  **11%**
- **BNL BNP Paribas** · [Prestito BNL One Click](https://123offerte.it/en/banking/personal-loans/bnl/one-click-id-04b3f420ad65030b)

  APR (TAEG)

  **9.93%**
- **BNL BNP Paribas** · [Prestito BNL Mobilità](https://123offerte.it/en/banking/personal-loans/bnl/mobilita-id-b73b5a69e8fb8313)

  APR (TAEG)

  **—**
- **BNL BNP Paribas** · [Prestito BNL Nuovi Nati](https://123offerte.it/en/banking/personal-loans/bnl/nuovi-nati-id-5d6f70004b8ec1f6)

  APR (TAEG)

  **—**
- **BNL BNP Paribas** · [Prestito BNL Futuriamo](https://123offerte.it/en/banking/personal-loans/bnl/futuriamo-id-39b8381ccd09dda8)

  APR (TAEG)

  **—**
- **BNL BNP Paribas** · [Prestiti BNL Social / Primo Prestito](https://123offerte.it/en/banking/personal-loans/bnl/primo-prestito-id-c19c623a4d05d7e6)

  APR (TAEG)

  **—**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/bnl/ristrutturazione-id-179c5d082cd624fc (accessed 2026-11-01)

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