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Intesa Sanpaolo

Finanziamento “per avere Cura”

APR (TAEG)

2.5–4.96%

Who can apply

For adults resident in Italy who are employees or self-employed, have a recognized severe disability (Law 104/92, Article 3, paragraph 3), or care for a family member with a severe disability. The impact assessment questionnaire (RIM) must be completed.

All of these conditions

  • Residents of Italy.

  • Aged 18 or over

  • Employee or self-employed worker.

  • You must hold a certificate under Law 104/92, Article 3, paragraph 3 for severe disability, or be a caregiver for a relative up to the 3rd degree with a recognized severe disability. The RIM questionnaire must be completed and signed.

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.

Apertura di Credito in Conto Corrente (APC) “per avere Cura”

Fixed-term current account credit facility, with funds made available in annual tranches

Amount
€6,000–€12,000
Term
12–24 months
Annual interest rate (TAN)
2.5%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Linked account: "per avere Cura" Current Account

Origination fee
Free
Installment collection
—
Statement delivery
—
Statement stamp duty
Free / year
Early repayment
—
Contract stamp duty
—
Registration tax
—
Substitute tax
—
Cost conditions
Zero processing and disbursement fees.
Representative examples

Published lender examples; these are not personal quotes.

€12,000 · 24 months

Installment — · APR (TAEG) 2.5%

Total repayable €12,450

€12,000 credit facility, 24-month term

Prestito Personale “per avere Cura”

Personal loan intended to repay the credit facility.

Amount
€1,000–€12,000
Term
24–180 months
Annual interest rate (TAN)
4.5%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Origination fee
Free
Installment collection
€2.00 / month
Statement delivery
€0.70 / year
Statement stamp duty
Free / year
Early repayment

Free

Early repayment

Contract stamp duty

€16.00

If the loan is paid out and instalments debited to an account with another bank

Free

If the loan is paid out and instalments debited to an Intesa Sanpaolo account (waived/included in the higher stamp duty)

Registration tax
—
Substitute tax
—
Cost conditions
Processing fees exempt. Installment collection fees €2.00. Unit cost of legal communications €0.70.
Representative examples

Published lender examples; these are not personal quotes.

€12,000 · 180 months

Installment €91.80 · APR (TAEG) 4.96%

Total repayable €16,940.20

Personal loan of €12,000.00 over 180 months

Repayment flexibility

Skip an installment: Yes

Suspension of the payment of the principal portion of the installments for a maximum of 3 times during the life of the loan, for customers up to date with payments. Maximum duration of each suspension: 12 months.

Paid installments before first use:
—
Minimum months between uses:
12
Maximum uses:
3 · Suspension of the payment of the principal portion of the installments for a maximum of 3 times during the life of the loan, for customers up to date with payments. Maximum duration of each suspension: 12 months.
Option fee:
—

Reduce an installment: Yes

Right to request only once the modification of the amortization schedule by reducing or increasing the loan term.

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
1 · Right to request only once the modification of the amortization schedule by reducing or increasing the loan term.
Option fee:
—

Change payment day: —

Additional borrowing: —

Lender: Intesa Sanpaolo S.p.A.

Features

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

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