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 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 March 2023.
PERSONAL LOAN
Standard interest rate: min APR 4.45% (max EAPR 4.54%) - max APR 9.45% (max EAPR 9.87%). 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). Total amount of credit: 11,000.00 euros. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 250.59 euros and MAX 276.09 euros. Total amount due by customer from MIN 12,028.36 euros to MAX 13,252.41 euros.
* 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.
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 4.45% (max EAPR 4.54%) - max APR 9.45% (max EAPR 9.87%). Example: amount €11,000 in 48 months. Total amount of credit: 11,000.00 euros. Monthly instalment (including interest calculated with the fixed instalment scheme) between MIN 250.59 euros and MAX 276.09 euros per month. Total amount due by customer from MIN 12,028.36 euros to MAX 13,252.41 euros.
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 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 indicated spread is reserved for Private customers or customers with Managed Assets > € 250,000 and with more than 60 per cent of the guaranteed instruments consisting of Top-Quality Funds. More details on the list of the Top-Quality Funds currently in force can be found in the Information Sheets.
The amount of credit available can be between €10,000 and €1 million.
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) or Fineco Customers with Managed Assets > € 250,000 and with at least 60 per cent of the guaranteed instruments consisting of Top-Quality Funds: Spread 0,30%.
Details of the Top-Quality Funds currently in force can be found in the table available on the Credit Lombard Information Sheets.
Fineco customers: Spread 1.00%.
Representative example: Nominal APR (nominal annual rate) 2.80% variable (Euribor 3m + 1.00% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: € 2.100,02; Costs: 0; Effective APR 2.80% Reference date: 1st December 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.
FINECO SOCIAL
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.
@FinecoLive - Ultimi Tweet
SEGUICI SU
FinecoBank on twitterFinecoBank on FacebookFinecoBank on LinkedInFinecoBank on PinterestCanale ufficiale di FinecoBank su Youtube