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Credit Lombard

Extra cash, without divesting

Tailor-made liquidity solutions for your projects

Credit Lombard is the solution customized for those who own important investments and wish to obtain additional cash.

Current account liquidity secured by financial instruments, without disinvesting.

Request it from the reserved area of ​​the site.

Obtain additional cash in your current account to optimize your investment strategies or turn your plans into reality.

Modify the instruments you have secured to continue to seize investing opportunities on the market and benefit from the value growth potential of your securities.

Flexibility and convenience

  • Nominal and effective APR from 0.75% depending on assets
  • Zero costs of providing funds. No expense if the additional liquidity is not used

Passing to Credit Lombard

If you have a secured facility with another bank, you can obtain a favourable credit line to extinguish it and pass to Fineco Credit Lombard.

A better financial planning

Credit Lombard is the perfect complement to the Advice and Plus advanced consulting services. With Credit Lombard, you can improve your financial planning and optimize your investments.

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 January 2020.

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) and Fineco Customers with Managed Assets > € 250,000: Nominal and Effective APR 0.75%.
  • - Fineco customers: Nominal and Effective APR 1.00%.
Nominal APR (nominal annual rate) 1.00% variable (Euribor 3m + 1.00% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €750.01; Costs: 0; Effective APR 1.00%. 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.

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