Obiettivo Pensione
APR (TAEG)
2.5–10.3%
Who can apply
All of these conditions
Residents of Italy.
Unemployed people who are between 6 months and 3 years from qualifying for an INPS state or early pension, and have INPS authorization to pay voluntary contributions.
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 "Obiettivo Pensione"
Credit line for voluntary social security contributions
- Amount
- up to €75,000
- Term
- 6–42 months
- Annual interest rate (TAN)
- 2.5%
- APR range (TAEG)
- Not available
Lender: Intesa Sanpaolo S.p.A.
Linked account: Obiettivo Pensione Current Account
- Origination fee
- Free
- Installment collection
- —
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
- —
- Contract stamp duty
- —
- Registration tax
- —
- Substitute tax
- —
Representative examples
Published lender examples; these are not personal quotes.
€15,000 · 36 months
Installment — · APR (TAEG) 2.5%
Total repayable €16,125
36-month credit facility, fully drawn
Prestito Personale dedicato ad "Obiettivo Pensione"
Instalment loan to repay the credit facility
- Amount
- €500–€75,000
- Term
- 24–120 months
- Annual interest rate (TAN)
- 7.95%
- APR range (TAEG)
- Not available
Lender: Intesa Sanpaolo S.p.A.
- Origination fee
- Free
- Installment collection
- €2.00 / month
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
Free
Early repayment
- Contract stamp duty
€16.00
Due if the loan is paid out and instalments are debited through another bank (waived for current account customers)
- Registration tax
- —
- Substitute tax
- —
Representative examples
Published lender examples; these are not personal quotes.
€14,984 · 120 months
Installment €181.60 · APR (TAEG) 8.54%
Total repayable €22,139.69
€15,000 loan over 10 years (120 months)
Cessione del Quinto della Pensione
Loan repaid through salary/pension assignment to repay the credit facility
- Amount
- €1,200–€75,000
- Term
- 24–120 months
- Annual interest rate (TAN)
- up to 16.9%
- APR range (TAEG)
- Not available
Lender: Intesa Sanpaolo S.p.A.
- Origination fee
- —
- Installment collection
- —
- Statement delivery
- —
- Statement stamp duty
- —
- Early repayment
0.5%
if 12 months or less remain on the agreement
1%
if more than 1 year remains on the agreement
- Contract stamp duty
€18.00
Tax charges withheld when the loan is paid out
- Registration tax
- —
- Substitute tax
- —
Representative examples
Published lender examples; these are not personal quotes.
€15,000.16 · 84 months
Installment €247.77 · APR (TAEG) 10.3%
Total repayable €20,812.68
€15,018.16 loan over 84 months (including tax charges)
Repayment flexibility
Skip an installment: Yes
During the loan repayment period
- Paid installments before first use:
- —
- Minimum months between uses:
- 12
- Maximum uses:
- 3 · During the loan repayment period
- Option fee:
- —
Reduce an installment: —
Change payment day: —
Additional borrowing: —
Lender: Intesa Sanpaolo S.p.A.
Features
- Fixed rate available
- Yes
- Variable rate available
- No
- Debt consolidation
- Yes
- Skip an installment
- Yes
- Joint borrower
- —
- Guarantor accepted
- —
- Education
- —
- Home
- —
- Mobility
- —
- Health
- —
- Family
- —
- Sustainability
- —
- Starting a career
- —
Similar offers
Intesa Sanpaolo
per Merito
APR (TAEG)
2.5%
Intesa Sanpaolo
Finanziamento “per avere Cura”
APR (TAEG)
2.5%
Intesa Sanpaolo
Finanziamento Mamma@work
APR (TAEG)
2.5%
Intesa Sanpaolo
per Esempio
APR (TAEG)
—
Intesa Sanpaolo
XME Prestito
APR (TAEG)
9.05%
Intesa Sanpaolo
PerTe Prestito Exclusive
APR (TAEG)
14.4%