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Intesa Sanpaolo

Finanziamento Mamma@work

APR (TAEG)

2.5–3.17%

Who can apply

Eligibility requirements for working mothers.

All of these conditions

  • Minimum age of 18 when signing the credit facility.

  • You must be a woman who has been working for at least 6 months (whether self-employed or an employee, including part-time).

  • Resident in Italy.

  • You must have a child no older than 36 months, and no older than 6 years when the credit facility ends.

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 mamma@work

Fixed-term current account credit facility (APC), with funds made available in semi-annual tranches.

Amount
300 €–30.000 €
Term
36–60 months
Annual interest rate (TAN)
2.5%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Linked account: mamma@work Current Account

Origination fee
Free
Installment collection
—
Statement delivery
—
Statement stamp duty
—
Early repayment
—
Contract stamp duty
—
Registration tax
—
Substitute tax
—
Cost conditions
Disbursement operation cost and refund operation cost equal to zero.
Representative examples

Published lender examples; these are not personal quotes.

10.800 € · 36 months

Installment — · APR (TAEG) 2.5%

Total repayable 11.272,50 €

Example for total credit of 10.800 € over 36 months, in semi-annual tranches, fully drawn.

Prestito Personale mamma@work

Personal loan used to repay the credit facility (APC) and begin the repayment period.

Amount
300 €–30.000 €
Term
24–240 months
Annual interest rate (TAN)
3.1%
APR range (TAEG)
Not available

Lender: Intesa Sanpaolo S.p.A.

Origination fee
Free
Installment collection
Free
Statement delivery
—
Statement stamp duty
—
Early repayment
—
Contract stamp duty

16,00 €

Due when the loan is paid out and instalments are debited through another bank; waived (included in the higher stamp duty) for an Intesa Sanpaolo account.

Registration tax
—
Substitute tax
—
Cost conditions
Processing fees exempt, installment collection fees exempt.
Representative examples

Published lender examples; these are not personal quotes.

10.800 € · 120 months

Installment 104,78 € · APR (TAEG) 3.17%

Total repayable 12.602,64 €

Loan cost example for 10.800 € over 120 months, with funds paid out and instalments debited to an account held with a bank other than Intesa Sanpaolo.

Repayment flexibility

Skip an installment: Yes

During the loan repayment period. Duration of each suspension not exceeding 12 months.

Paid installments before first use:
1
Minimum months between uses:
12
Maximum uses:
3 · During the loan repayment period. Duration of each suspension not exceeding 12 months.
Option fee:
—

Reduce an installment: Yes

During the loan repayment period, right to request modification of the amortization plan by reducing or increasing the duration.

Paid installments before first use:
—
Minimum months between uses:
—
Maximum uses:
1 · During the loan repayment period, right to request modification of the amortization plan by reducing or increasing the duration.
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
—
Family
Yes
Sustainability
—
Starting a career
—
Documents and sources

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