---
title: "Obiettivo Pensione – Intesa Sanpaolo | 123offerte"
description: "Obiettivo Pensione from Intesa Sanpaolo: TAEG 2.5%–10.3%. Compare costs, terms and alternatives on 123offerte."
canonical_url: "https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione"
locale: en
meta:
  "og:description": "Obiettivo Pensione from Intesa Sanpaolo: TAEG 2.5%–10.3%. Compare costs, terms and alternatives on 123offerte."
  "og:image": "https://123offerte.it/share/en/banking.png"
  "og:image:alt": "123offerte: illustration of 123offerte"
  "og:image:height": "630"
  "og:image:type": image/png
  "og:image:width": "1200"
  "og:title": "Obiettivo Pensione – Intesa Sanpaolo"
  "twitter:description": "Obiettivo Pensione from Intesa Sanpaolo: TAEG 2.5%–10.3%. Compare costs, terms and alternatives on 123offerte."
  "twitter:image": "https://123offerte.it/share/en/banking.png"
  "twitter:image:alt": "123offerte: illustration of 123offerte"
  "twitter:title": "Obiettivo Pensione – Intesa Sanpaolo"
---

> 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%**

### **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)

### **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.

### **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

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

  APR (TAEG)

  **2.5%**
- **Intesa Sanpaolo** · [Finanziamento “per avere Cura”](https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-finanziamenti-per-persone-disabili)

  APR (TAEG)

  **2.5%**
- **Banca Mediolanum** · [Prestito Mediolanum Special Care](https://123offerte.it/en/banking/personal-loans/banca-mediolanum/prestito-mediolanum-special-care)

  APR (TAEG)

  **4.2%**
- **Banca Sella** · [Prestito d'Onore](https://123offerte.it/en/banking/personal-loans/banca-sella/sella-prestito-d-onore)

  APR (TAEG)

  **4.92%**
- **Banca Mediolanum** · [Prestito Mediolanum Casa+](https://123offerte.it/en/banking/personal-loans/banca-mediolanum/prestito-mediolanum-casa-piu)

  APR (TAEG)

  **4.72%**
- **Banca Mediolanum** · [Prestito Mediolanum Eco+ Mobility](https://123offerte.it/en/banking/personal-loans/banca-mediolanum/prestito-mediolanum-eco-piu-mobility)

  APR (TAEG)

  **4.72%**

```json
{"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://123offerte.it/#organization","name":"123offerte","url":"https://123offerte.it/","logo":"https://123offerte.it/icon-512.png"},{"@type":"WebSite","@id":"https://123offerte.it/#website","name":"123offerte","url":"https://123offerte.it/","inLanguage":["it-IT","en"],"publisher":{"@id":"https://123offerte.it/#organization"}}]}
```

```json
{"@context":"https://schema.org","@type":"LoanOrCredit","name":"Obiettivo Pensione","brand":{"@type":"Brand","name":"Intesa Sanpaolo"},"url":"https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione"}
```

```json
{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://123offerte.it/en"},{"@type":"ListItem","position":2,"name":"Personal loans","item":"https://123offerte.it/en/banking/personal-loans"},{"@type":"ListItem","position":3,"name":"Intesa Sanpaolo","item":"https://123offerte.it/en/banking/providers/intesa-sanpaolo"},{"@type":"ListItem","position":4,"name":"Obiettivo Pensione – Intesa Sanpaolo","item":"https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione"}]}
```

Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/intesa-sanpaolo/intesa-prestito-disoccupati-obiettivo-pensione (accessed 2026-11-02)

## Sitemap

See the full [sitemap](https://123offerte.it/sitemap.md) for all pages.