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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[Intesa Sanpaolo](https://123offerte.it/en/banking/providers/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**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1344.pdf)
- [Source 2 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/Other/Dichiarazione%20valutazione%20d'impatto%20sociale.pdf)
- [Source 3 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/it/persone-e-famiglie/prodotti/prestiti/finanziamenti-per-persone-disabili.html)

## Similar offers

- **Intesa Sanpaolo** · [Finanziamento Mamma@work](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-mamme-id-0c86cd84f9e52eda)

  APR (TAEG)

  **2.5%**
- **Intesa Sanpaolo** · [per Merito](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-onore-per-merito-id-719dd70b594a4f95)

  APR (TAEG)

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- **Intesa Sanpaolo** · [Obiettivo Pensione](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione-id-994d3ed3a57d60cf)

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- **Intesa Sanpaolo** · [per Esempio](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-servizio-civile-id-1b9f5661b397b461)

  APR (TAEG)

  **—**
- **Intesa Sanpaolo** · [XME Prestito](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-xme-prestito-id-5ceb7532eb0d169d)

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- **Intesa Sanpaolo** · [PerTe Prestito Exclusive](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-perte-prestito-exclusive-id-bcefbac8cdbe9062)

  APR (TAEG)

  **14.4%**

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-finanziamenti-per-persone-disabili-id-63c56c8bea9d0798 (accessed 2026-11-01)

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