Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.
CORE Multiramo is a Whole Life insurance policy with a Single Multi-segment Premium created by Aviva S.p.A. (www.aviva.it, hereinafter also the Company), distributed since 6 October 2015 exclusively for Fineco customers. It is the combination of a profit sharing insurance product and a unit linked financial-insurance product. For details of the characteristics, risk and cost of the product, before subscribing, please read carefully the Information Sheet, available on the website finecobank.com or from the Personal Financial Advisors of the Bank. The degree of financial risk of the product varies depending on the distribution of the capital invested in the UCIs and in the Internal Separate Account: for the part invested in the Internal Separate Account, the Company guarantees preservation of the capital, paying a guaranteed minimum interest rate of 0% for the duration of the contract, while for the part invested in UCIs there is no guarantee of capital or minimum return paid by the Company; the contracting party, therefore, assumes the financial risk associated with the negative performance of said UCI units. It is therefore possible to obtain a total or partial redemption value less than the premiums paid or capital, in the event of death of the insured party, less than the premiums paid; in the event of total or partial redemption, moreover, exit penalties may be envisaged. The costs levied on the premiums paid and those levied on the Internal Separate Account and by the UCIs reduce the performance.
Advice Unit Target and Core Unit Target are two full-life unit-linked insurance policies by Eurovita S.p.A., which pay a capital sum on the death of the Policyholder. Before signing, read the terms and conditions of the policy and the summary sheet available from financial advisors authorized to offer products externally and on the website of the insurance company www.eurovita.it. The total benefit paid in both products cannot in any case exceed €50,000. There is no financial guarantee on performance, so the amount payable on the death of the policyholder is not set in advance and may be more or less than the premiums paid. The premium includes costs relating to insurance coverage and any other additional and optional coverage, redemption costs and costs incurred by internal funds.
Core Unit is a unit-linked financial-insurance product created by Eurovita S.p.A., exclusively for Fineco customers. It is a whole-life insurance policy involving investment – as chosen by the investor-policyholder – in harmonised and non-harmonised Collective Investment Undertakings (CIUs) in Italy or overseas (“external funds”) and/or in model portfolios (Building Block selection and Core Block strategy), comprising an external fund allocation decided by the insurance company. Before signing, please read carefully the Offer Prospectus and policy conditions available on the website finecobank.com and from FinecoBank Personal Financial Advisors, and also on the website of the insurance company www.eurovita.it. In relation to investments in external funds, the policy carries financial risks for the investor-policyholder relating to the the performance of the unit value of the units of such funds, including: the possibility of obtaining a total redemption value that is less than the premiums paid; the possibility of obtaining a capital sum in the event of death of the insured party that is less than the premiums paid.
strong>Core Multiramo Extra: Extra is a Multi-branch Single Premium Full Life insurance contract, created by Aviva S.p.A. www.aviva.it (hereinafter also the company), distributed since April 2018 solely to Fineco customers. It is the combination of an insurance product with participation in profits and a unit-linked financial-insurance product, To know more about product characteristics, risks and costs, before underwriting please read the Information Folder carefully; available on the website www.finecobank.com, c/o the Bank’s Personal Financial Advisers The product’s financial risk level varies based on the the division of capital invested between FIA and the GIS (Internal Separate Management): for the part invested in the GIS, the Company guarantees preservation of capital acknowledging a minimum guaranteed rate of 0% for the entire duration of the contract; whereas for the part invested in FIA there is no capital guarantee or minimum yield provided by the Company. Therefore, the contracting party assumes the financial risk connected to the share value negative trend of the FIA itself. You can therefore have a lower total or partial redemption value than premiums paid or capital, if the insured party should die, that is lower than premiums paid. Moreover, with full or partial redemption, exit sanctions could be foreseen. Costs deducted on premiums paid and those taken from the Internal Separate Management and by the FIA reduce the service amount.
Core Multiramo Target: is a Multi-branch Single Premium Full Life insurance contract created by Aviva S.p.A. (hereinafter also the company), distributed since April 2018 solely to Fineco customers. It is the combination of an insurance product with participation in profits and a unit-linked financial-insurance product, foreseeing management by the Company (“Data Target Plan”), through automatic switches, finalised to increase risk progressively and the yield potential of the contract itself over time. The contract foresees gradual disinvestment from a predefined starting combination formed by an Internal Separate Management(GIS) and an Internal Insurance Fund (FIA) and investment in a predefined resulting combination. To know more about product characteristics, risks and costs, before underwriting please read the Key Information Document - KID and the Information Folder carefully; both available on the website www.finecobank.com, c/o the Bank’s Personal Financial Advisers and on the website www.aviva.it The minimum single premium amount is 10,000 euro. The product’s financial risk level varies based on the the division of capital invested between FIA and GIS: for the part invested in the GIS, the Company guarantees preservation of capital acknowledging a minimum guaranteed rate of 0% for the entire duration of the contract; whereas for the part invested in FIA there is no capital guarantee or minimum yield provided by the Company. Therefore, the contracting party assumes the financial risk connected to the negative share value trend of the FIA itself. You can therefore have a lower total or partial redemption value than premiums paid or capital, if the insured party should die, that is lower than premiums paid. Moreover, with full or partial redemption, exit sanctions could be foreseen. Costs deducted on premiums paid and those taken by the Internal Separate Management and by the FIA reduce the service amount.
All products and services offered by the Bank require the client to open a Fineco current account.
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Pubblico Avviso alla clientela dei Comuni oggetto di ordinanza (v. all'allegato n. 1 al decreto del Presidente del Consiglio dei ministri del 23 febbraio 2020).
A testimonianza dell’attenzione verso la propria Clientela, Fineco ha deciso di intraprendere un’azione a favore dei Clienti che vivono nei Comuni coinvolti dall'emergenza Coronavirus – Covid19.
Fino al 15 aprile 2020 i titolari di mutui Fineco relativi a edifici ubicati nei comuni indicati nel decreto, possono richiedere la sospensione del pagamento delle rate di mutuo fino alla cessazione dello stato di emergenza (dichiarato per un periodo di 6 mesi dalla delibera del Consiglio dei ministri del 31 gennaio 2020).
Tale misura non comporterà alcun costo aggiuntivo né l’applicazione di interessi di mora.
E’ possibile contattare il numero verde 800.52.52.52 per reperire le informazioni necessarie al fine di attivare la sospensione del pagamento delle rate con decorrenza dalla prima rata utile successiva alla richiesta.
Si precisa che la sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria.Le rate sospese inizieranno a decorrere al termine del periodo di sospensione con corrispondente allungamento del piano di rimborso per una durata pari al periodo di sospensione stesso, mantenendo la loro attuale periodicità.
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