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Crédit Agricole Italia

Prestito Personale smart Agos online

APR (TAEG)

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General offer terms

Costs not documented

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 Personale Flessibile Agos

Flexible personal loan provided by Agos Ducato S.p.A. and distributed by Crédit Agricole Italia.

Amount
Not available
Term
up to 180 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

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
—
Cost conditions
Postal or telephone reminder fees: 15,49 € for each intervention; home interventions: 50,00 € for 500,00 € or fraction; unpaid SDD re-presentation fee: 5,16 €; default formal notice fee: 12,91 €; fee for forfeiture of the benefit of the term: 20,66 €.

Repayment flexibility

Skip an installment: Yes

Postponement of installment repayment: exercisable once for each year of validity, for a maximum of 3 times for amounts up to 30.000,00 € and 5 times for amounts over 30.000,00 €, with a notice of at least 15 days.

Paid installments before first use:
3
Minimum months between uses:
—
Maximum uses:
5 · Postponement of installment repayment: exercisable once for each year of validity, for a maximum of 3 times for amounts up to 30.000,00 € and 5 times for amounts over 30.000,00 €, with a notice of at least 15 days.
Option fee:
—

Reduce an installment: Yes

Modification of the installment amount: exercisable once for each year of validity, for a maximum of 3 times for amounts up to 30.000,00 € and 5 times for amounts exceeding 30.000,00 €, with at least 40 days' notice.

Paid installments before first use:
3
Minimum months between uses:
—
Maximum uses:
5 · Modification of the installment amount: exercisable once for each year of validity, for a maximum of 3 times for amounts up to 30.000,00 € and 5 times for amounts exceeding 30.000,00 €, with at least 40 days' notice.
Option fee:
—

Change payment day: Yes

Change of the installment payment due date: starting from the 4th installment, once for each year of validity and for a maximum of 3 times during the course of the loan, with at least 25 days notice.

Paid installments before first use:
3
Minimum months between uses:
3
Maximum uses:
3 · Change of the installment payment due date: starting from the 4th installment, once for each year of validity and for a maximum of 3 times during the course of the loan, with at least 25 days notice.
Option fee:
—

Additional borrowing: —

Lender: Agos Ducato S.p.A.

Distributor: Crédit Agricole Italia

Features

Fixed rate available
Yes
Variable rate available
No
Debt consolidation
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Skip an installment
Yes
Joint borrower
Yes
Guarantor accepted
Yes
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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