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Choose the mortgage that best suits your needs

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.

With Mortgage Remix you can customise your rate and combine the two solutions, any time you want to.

For example, are variable rates especially interesting? You can start with 100% variable.
Then if you change your mind, you can change your mix and stabilise the rate by increasing the fixed rate component of your mortgage. After the first year, you can do that any time you want to, free of charge and directly online.

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Premio per Mutuo Remix
Mutuo Remix si è classificato al 1° posto agli MF Innovazione Award, attribuiti da MF-Milano Finanza in collaborazione con Accenture, nella categoria «Prodotti di finanziamento per privati e business».

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.

Find out more

Credit Lombard

Thanks to your securities and funds portfolio you can get a liquidity reserve always available on your account.

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 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. Spread: 6.95%

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.

Learn more

Advertising message for promotional purposes.For all the terms and conditions related to the products and services advertised, reference should be made to the information sheet and advertising information forms and to the information documents required by the regulations in force, available in the Transparency section of the website and from the financial advisors authorised to offer products and services outside Fineco's offices. All products offered are reserved for Fineco account holders.

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 December 2022.

PERSONAL LOAN

Tasso standard: TAN min 3,95% (TAEG max 4,02%) - TAN max 8,95% (TAEG max 9.33%). Durata del contratto di credito: da 12 a 48 mesi (per prestiti da 2.000 a 4.000 euro); da 12 a 72 mesi (da 5.000 a 10.000 euro); da 12 a 84 mesi (da 11.000 a 50.000 euro). Esempio rappresentativo di prestito da 11.000 euro da rimborsare in 48 mesi. Importo totale del credito 11.000. Importo rata (comprensiva di interessi calcolati con il piano di ammortamento alla francese) nell'intervallo tra MIN 248,12 euro e MAX 273,47 euro al mese. Importo totale dovuto da MIN 11.909,76 euro a MAX 13.126,56 euro.

Per poter richiedere il Prestito Personale è necessario: essere correntista Fineco da almeno 3 mesi o avere l'accredito dello stipendio/pensione, avere un saldo di conto corrente maggiore di -500 euro, avere un'età compresa tra i 18 e i 70 anni e residenza nel territorio italiano.

* Il servizio di valutazione immediata con erogazione instantanea è rivolto ai clienti che accreditano lo stipendio ,in maniera continuativa su conto Fineco e rispettano determinati requisiti reddituali stabiliti dalla Banca (es: saldo e andamentale di conto). Per i clienti già titolari di un prodotto di credito Fineco, la Banca valuta anche aspetti di merito creditizio e, in caso di valutazione positiva di tutti gli elementi, propone anche una rata e importo massimo al cliente. I clienti destinatari del servizio ricevono notifica della modalità di valutazione istantanea direttamente sul simulatore prestiti presente nell'Area Privata del sito Fineco.

Per tutte le condizioni relative ai servizi pubblicizzati occorre fare riferimento ai moduli informazioni pubblicitarie.

LOAN CONSOLIDATION

Tasso standard: TAN min 3,95 % (TAEG max 4,02%) - TAN max 8,95% (TAEG max 9,33%). Esempio rappresentativo di prestito da 11.000 euro da rimborsare in 48 mesi. Importo totale del credito 11.000 euro. Importo rata (comprensiva di interessi calcolati con il piano di ammortamento alla francese) nell'intervallo tra MIN 248,12 euro e MAX 273,47 euro al mese. Importo totale dovuto da MIN 11.909,76 euro a MAX 13.126,56 euro.Per procedere con la richiesta è necessario che i finanziamenti che si vogliono estinguere siano intestati o cointestati al richiedente del Consolidamento. E' possibile consolidare esclusivamente prestiti personali finalizzati (es. prestito auto, mobili, elettrodomestici) e non finalizzati, fino ad un massimo di 4 prestiti totali, con le seguenti combinazioni: solo prestiti esterni (fino a 3) + eventuale liquidità aggiuntiva; prestiti esterni (fino a 3) + prestiti Fineco (fino a 2) + eventuale liquidità aggiuntiva; 2 prestiti Fineco + liquidità aggiuntiva obbligatoria. I prestiti esterni sono sempre consolidabili, anche se non domiciliati su conto Fineco, mentre i prestiti interni possono essere consolidati solo se erogati da almeno 6 mesi. Non è consentito consolidare cessioni del quinto dello stipendio, carte di credito revolving e singoli prestiti Fineco Ulteriori dettagli.
Per tutte le condizioni relative ai servizi pubblicizzati occorre fare riferimento ai moduli informazioni pubblicitarie.

OVERDRAFT ON PLEDGED SECURITIES AND FUNDS
Variable nominal APR 2.30% (Euribor 3 months +1.95% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €34,50; Costs: 0; Effective APR: 2.30%. Reference date: 1st September 2022.
Effective APR calculated on €1,500 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: 6.95% (Euribor 1-month 360 + 6.95%) - Effective APR: 6.95%. Commitment fee: 0; lending costs: 0; other costs: 0; interest: €208.50; charges: 0. Reference date: 1st September 2022. 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: 3.95% (Euribor 1-month 360 + 3.95%) - Effective APR: 4.15%. Commitment fee: 0.20%; lending costs: 0; other costs: 0; interest: €790.00; charges: €40. Reference date: 1st September 2022. 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.

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. The function of substituting the pledged securities in the dossier composition is available through the Network of Fineco Financial Advisors for the Fineco Advice and Fineco Plus dossiers, and online for the ordinary dossier. 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 (Private customers are those who, in the reference month, present Assets with a total value of no less than EUR 500,000) and Fineco Customers with Managed Assets > € 250,000: Spread 0.75%.
  • - Fineco customers: Spread 1.00%.
Nominal APR (nominal annual rate) 1.00% variable (Euribor 3m + 1.95% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €1,462.52 ; Costs: 0; Effective APR 1.95% Reference date: 1st October 2022. 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 case in which there is a negative value, 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 UK

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.