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Credit Lombard

Extra cash, without divesting.

Increase your current account liquidity with Credit Lombard, thanks to your portfolio.

Up to €1 million at special nominal and effective APR of 0,75% for Private customers

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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.

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 1.25%, falling to as low as 0.75% depending on assets
  • Zero costs of providing funds. No expense if the additional liquidity is not used

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.

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.

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 December 2018.

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).

CREDIT LOMBARD Effective and Nominal APR 0.75%: conditions reserved to Private customers or customers with more than €500,000 in assets with Fineco. For other customer types the standard conditions apply (Nominal and Effective APR: 1.25%).
Nominal APR (nominal annual rate) 1.25% variable (Euribor 3m + 1.25% spread); Commitment fee: 0; Lending costs: 0; Other costs: 0; Interest: €937.50; Costs: 0; Effective APR 1.25%. Effective APR calculated on €75,000 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
A testimonianza dell’attenzione verso la propria Clientela, FinecoBank ha deciso d’intraprendere un’azione a favore dei Clienti danneggiati dal crollo del Ponte Morandi a Genova il 14 agosto 2018, titolari di mutui ipotecari relativi a edifici resi 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) per 12 mesi dalla data di presentazione della richiesta.
La domanda di sospensione dovrà essere presentata entro il 15 Ottobre 2018 e dovrà essere assistita da un’autocertificazione che attesti il danno subito.
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 di insoluto 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.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.