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Fineco Mortgage

Do you want a place of your own? Is your mortgage too expensive and do you want a better deal? Or do you simply need access to funds for a big project?

With Fineco mortgages you can find a tailor made solution for you, simply and easily online.

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And with the new Remix Mortgage you will have even more flexibility. Define your own interest rate by combining fixed and variable rates. You can even change the rate as often as you like during the life of your mortgage.

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Fineco Loan

The car of your dreams, an unforgettable journey, tailor-made furniture or simply a special gift.
With Fineco Loan you can fulfill all your wishes serenely.

And if you already have other loans you can consolidate them and have one smaller monthly payment.

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Credit Lombard

Thanks to your securities and funds portfolio you can get a liquidity reserve always available on your account. Up to €1 million for every need, from buying a car to financing your new house.

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Overdrafts

Up to €1,000,000 in your current account, available as and when it suits you, with floating rates, always in line with market indexes. Choose the solution that best suits your needs and manage with complete confidence your small and large expenses.

Overdraft on securities and funds

Overdraft on account

  • Up to €1,000,000 by providing your securities and funds as collateral. Zero commission for making funds available.
  • With the Overdraft on Saleable Securities and Funds, you can request up to €500,000 online.
  • With the Overdraft on Saleable Securities Portfolio, you can get up to €20,000 with the possibility of changing the securities provided as collateral online.
  • €3,000 available on your account to flexibly manage your daily needs.
  • You apply online with Digital Signature without sending any paper documentation.
  • Zero costs for activation and making funds available. You pay only if you use it.

Pay in instalments

Up to €2,000 to pay in instalments any credit cards expenses, bank transfers and current account movements of the last 30 days.

In addition, before the plan expires, you can choose to repay the entire outstanding debt.

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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.

Credit is granted subject to the approval of the Bank, which reserves the right to assess requirements and creditworthiness.

Standards conditions related to each product below are valid for agreements entered in February 2019.

MORTGAGES

Representative example on a Purchase Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 888.03, variable APR 1.28% effective APR 1.41%, including € 250 of the substitute tax (first house), € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 7,163.48. Total amount due from the consumer: € 106,563.48.

Representative example on Subrogation Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 903.44, variable APR 1.63% effective APR 1.64%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 8,412.50. Total amount due from the consumer: € 108,412.50.

Representative example on Equity Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 899.02, variable APR 1.53% effective APR 1.66%, including € 250 of the substitute tax, € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 8,482.13. Total amount due from the consumer € 107,882.13.

Representative example on Refinancing Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 895.71, variable APR 1.45% effective APR 1.58%, including € 250 of the substitute tax, € 700* 350 of preliminary investigation fees, € 300* 0 of appraisal fees. Total amount of credit € 99,400. Total cost of the credit € 8,085.45. Total amount due from the consumer: € 107,485.45.

10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.90%.
Euribor 3M/360, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.00%.
* 50% less on preliminary investigation fees and zero appraisal fees on Purchase Mortgage, Equity Loan and Refinancing Loan for agreements entered from 21st January 2019 to 31st March 2019, and stipulated by 15th May 2019.

Compulsory property insurance policy: the cost is entirely borne by the bank that entered into a policy as an insured contractor, to cover the fire and explosion risk on the secured property.
In order to apply for a loan, it is required to be a Fineco account holder and to be 75 years, or less, from the end of the repayment plan. The age limit can be overcome if the mortgage co-signer is less than 70 years old at the end of the repayment plan and is a permanent employee, retired or self-employed. The granting of the loan is subject to the approval of the Bank which reserves the right to assess requirements and creditworthiness. Purchase and Subrogation Mortgages loan term: from a minimum of 10 years to a maximum of 30 years.
Duration of Equity Loan and Refinancing Mortgage: from a minimum of 10 years to a maximum of 20 years. Amount financed up to 80% of the property value for Purchase and Subrogation Mortgages; up to 60% of the property value for Liquidity Mortgage; up to 70% of the property value for Refinancing Mortgage. The property value is the lower of the purchase price and the appraisal value in the case of a Purchase Mortgage or the appraisal value in the case of a Subrogation or Liquidity Mortgage.
Purchases, subrogation, equity and refinancing mortgages are granted by Finecobank s.p.a and guaranteed by hypothecation on property.

The Fineco Mortgage Policy is an optional insurance policy of Financial Assurance Company Ltd. and Financial Insurance Company Ltd. (AXA Group). Read the Information Sheet carefully before subscribing.
For all contractual and economic conditions relating to the mortgages, please refer to the General Information on mortgage loans offered to consumers of the Fineco Purchase, Subrogation Mortgage, Equity Loan and Refinancing Mortgage.

PERSONAL LOAN

Standard interest rate: min APR 3.95% - max APR 7.95%; min EAPR 4.37% - max EAPR 8.60%. Duration of the loan agreement: 12 to 48 months (for loans between 2,000 and 4,000 euros); 12 to 72 months (between 5,000 and 10,000 euros); 12 to 84 months (between 11,000 and 50,000 euros). Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,881.24 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 268.28 euros in 48 months.

* The immediate disbursement service is addressed to pre-assessed Fineco customers, i.e. holders of another credit product (e.g. credit card) whose salaries are directly deposited to their Fineco account on an ongoing basis, and who have met certain creditworthiness requirements, determined at the sole discretion of the Bank. Recipients of the service receive notification of the offer directly on the financial simulator present in the private area of their account. Granting of the loan is nevertheless subject to approval by the bank.

In order to be able to apply for the Personal Loan, you must: have been a Fineco account holder for at least 3 months or have direct deposit of your salary/pension, have a current account balance greater than -500 euros, be between 18 and 70 years of age and reside in Italy. For loans with a duration of more than 18 months, the contract envisages substitute tax of 0.25% of the amount lent. The Bank nevertheless reserves the right to assess the creditworthiness and necessary requisites for granting the loan.To view all the terms and conditions for the advertised services, please refer to the advertising information forms.

LOAN CONSOLIDATION

Standard interest rate: min APR 3.95% - max APR 7.95%; min EAPR 4.37% - max EAPR 8.60%. Duration of the loan agreement: from 12 to 72 months for amounts between 11,000 and 30,000 euros. Example: amount of credit €11,000. Total amount due by customer from MIN 11,913.56 euros to MAX 12,881.24 euros. Substitute tax 27.50 euros; expenses for sending periodic communications: 0.95 euros each. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 248.12 euros and MAX 268.28 euros in 48 months.
To proceed with the application, it is necessary that the loans to be repaid be in the name or joint name of the person applying for the Consolidation. It is only possible to consolidate personal loans with specific purpose (e.g. loans for cars, furniture, appliances) or without, up to a maximum of 4 loans in total, in the following combinations: only external loans (up to 3) + possible additional liquidity; external loans (up to 3) + Fineco loans (up to 2) + possible additional liquidity, 2 Fineco loans + mandatory additional liquidity. External loans can always be consolidated, even if they are not debited on the Fineco account, while internal loans can only be consolidated if disbursed at least 6 months ago. It is not possible to consolidate salary- or pension-backed loans, revolving credit cards and loans with other UniCredit Group banks or companies (Banca di Roma, Banco di Sicilia, former Bipop-Carire, former UCFin, former Clarima) and individual Fineco loans. Further details.
For all the terms and conditions relating to the services advertised, please consult the advertising information forms.

OVERDRAFT ON PLEDGED SECURITIES AND FUNDS
Variable nominal APR 1.45% (Euribor 3 months +1.75% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €2,175.00; Costs: 0; Effective APR: 1.45%.
Effective APR calculated on €150,000 overdraft with no fixed end date. Assuming one-year duration and overdraft used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. Euribor 3-month 360 is calculated as the average daily Euribor rate over the month preceding the current month, rounded to the nearest 0.05%.
To view all the terms and conditions, refer to the information sheets.

OVERDRAFT ON ACCOUNT
Variable nominal APR: 6.60% (Euribor 1-month 360 + 6.95%) - Effective APR: 6.60%. Commitment fee: 0; lending costs: 0; other costs: 0; interest: €198.00; charges: 0. Effective APR calculated on a €3,000 overdraft with no fixed end date. Assuming one-year duration and overdraft used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. Euribor 1-month 360 is calculated as the average daily Euribor rate over the month preceding the current month, rounded to the nearest 0.05%.
To view all the terms and conditions, refer to the advertising information forms.

OVERDRAFT ON SALEABLE SECURITIES PORTFOLIO
Variable nominal APR: 3.60% (Euribor 1-month 360 + 3.95%) - Effective APR: 3.80%. Commitment fee: 0.20%; lending costs: 0; other costs: 0; interest: €720.00; charges: €40. Effective APR calculated on a €20,000 overdraft with no fixed end date. Assuming one-year duration and overdraft used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. Euribor 1-month 360 is calculated as the average daily Euribor rate over the month preceding the current month, rounded to the nearest 0.05%.
To view all the terms and conditions, refer to the information sheet and advertising information forms.

OVERDRAFT ON SALEABLE SECURITIES AND FUNDS
Variable nominal APR 1.95% (Euribor 3 months +2.25% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €1,462.52; Costs: 0; Effective APR 1.95%. Effective APR calculated on €75,001 overdraft with no fixed end date. Assuming one-year duration and overdraft used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. Euribor 3-month 360 is calculated as the average daily Euribor rate over the month preceding the current month, rounded to the nearest 0.05%.
To view all the terms and conditions, refer to the information sheet and advertising information forms.

PAY IN INSTALMENTS
Service reserved exclusively for the holders of a Fineco Classic credit card (Fineco Card or Fineco Black), with an additional credit facility of €2,000 (linked, but separate from the ceiling for the credit card), which can only be repaid on an instalment basis.
The interest rate, applied to the portion of overdraft used, amounts to nominal APR 5.95% and effective APR 6.12%. The service activation request can be carried out only by customers who meet the service access requirements. The credit line underlying the Pay in Instalments service will be granted to eligible customers who will request activation and will prove to have further creditworthiness requirements.
Example: amount to be paid €800, fixed rate €150. Overall interest accrued €12.87, totalling €812.87. Nominal APR 5.95% - Effective APR 6.12%.
To view all the terms and conditions, refer to the advertising information forms.

CREDIT LOMBARD is a current-account credit facility secured by a rotating pledge on securities and funds, offered to customers with an Advice, Plus or ordinary securities account who meet the product’s eligibility and financing criteria. Its special feature is the ability to substitute the pledged securities through rebalancing procedures similar to those used for the above product/services (Fineco Advice, Fineco Plus and Retail advice). Credit Lombard requires a secured current account and a securities account to serve as collateral. To view all the terms and conditions for Credit Lombard please refer to the information sheets, also available from financial advisors authorised for cold-calling.
The advertised product with the indicated features can only be subscribed through Fineco financial advisors.
The amount of credit available can be between €10,000 and €1 million. Access to the credit facility and the amount available are subject to approval by the Bank.
Provision of a current-account credit facility is subject to the Bank reviewing financial information supplied by the customer and/or publicly available (financial statements, central risk database, central interbank alarm system, etc.) In all cases, the credit facility is subject to request by the customer. The pledge on (dematerialised and physical) securities under centralised management is constituted by written agreement and by registration in special accounts held at the Bank, in accordance with the relevant laws and regulations (Legislative Decree 213/98 and Legislative Decree 58/98 - Consolidated Finance Act).

Economic conditions applied:

  • - Fineco Private Customers (those who have Assets in Fineco for an amount exceeding €500,000): Nominal and Effective APR 0.75% on Advice and Plus securities accounts; Nominal and Effective APR 1.05% on Ordinary securities account.
  • - Fineco Customers with Managed Assets > € 250,000: Nominal and Effective APR 1.00% on Advice and Plus securities accounts; Nominal and Effective APR 1.30% on Ordinary securities account.
  • - Fineco customers: Nominal and Effective APR 1.25% on Advice and Plus securities accounts; Nominal and Effective APR 1.55% on Ordinary securities account.
Nominal APR (nominal annual rate) 1.25% variable (Euribor 3m + 1.25% spread) on Advice/Plus securities account; Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €937.50; Costs: 0; Effective APR 1.25%. Effective APR calculated on €75,001 facility with no fixed end date. Assuming one-year duration and facility used in full from the moment of contract signature. Assumed annual interest payment. The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. The reference rate is calculated as the average daily Euribor rate over the month preceding the current month, rounded down to the nearest 0.05%. In this case the parameter is null and the rate applicable to the facility is therefore equal to the spread.
All services require the client to open a Fineco current account. To view all the terms and conditions for the advertised services, please refer to the information sheets.

Versione italiana

Fineco desidera informare i propri Clienti residenti o aventi sede legale e/o operativa in uno dei comuni interessati dagli eventi calamitosi del 26 Dicembre 2018 che hanno colpito il territorio dei Comuni di Aci Bonaccorsi, Milo, Trecastagni, Aci Catena, Aci Sant’Antonio, Acireale, Santa Venerina, Viagrande e Zafferana Etnea, in provincia di Catania, della facoltà di richiedere la sospensione del pagamento delle rate dei mutui ipotecari relativi a edifici distrutti o inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici.
L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) fino alla ricostruzione, all’agibilità o all’abitabilità del predetto immobile e comunque non oltre la data di cessazione dello stato di emergenza.
La domanda di sospensione dovrà essere presentata entro il 15 Febbraio 2019 e dovrà essere assistita da un’autocertificazione che attesti il danno subito dall’immobile per cui si richiede l’attivazione della sospensiva, resa ai sensi del D.P.R. 28.12.2000, n. 445.

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. Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione alle Banche Dati relativa alle rate sospese.
Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità. Il piano di ammortamento si allungherà dunque di un periodo pari a quello per cui si è interrotto.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Inoltre potrà essere revocata dal mutuatario in qualsiasi momento.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.