---
title: "Obiettivo Pensione – Intesa Sanpaolo | 123offerte"
description: "Obiettivo Pensione from Intesa Sanpaolo: prices, conditions and documents. Explore the details and compare alternatives in Personal loans on 123offerte."
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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)

# 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**: —

#### **Documents and sources**

- [Source 1 · www.intesasanpaolo.com](https://www.intesasanpaolo.com/content/dam/vetrina/trasparenza/it/Documenti/Doc/Pdf/FI/FI-Other/FI-1340.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/prestito-disoccupati-obiettivo-pensione.html)

## Similar offers

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  APR (TAEG)

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- **Intesa Sanpaolo** · [Finanziamento “per avere Cura”](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-finanziamenti-per-persone-disabili-id-63c56c8bea9d0798)

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

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  **—**
- **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)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione-id-994d3ed3a57d60cf (accessed 2026-11-01)

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