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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

  • Spread starting from 0.30%* based on portfolio composition and assets.
  • Zero fees on credit line. You pay only interests if you use it.

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.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 March 2023.

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.

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.