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FINECO MORTGAGE

Make your home project come true

The tailor-made mortgage for all needs

See your projects from a new perspective with the Fineco Mortgage solutions:

Fixed and variable, choose the rate that best suits your needs

Choose the right duration for your mortgage and the rate you prefer, fixed or variable.

You decide which rate you can manage, with maximum transparency of costs from the application stage.

Don't you know what rate to choose? Choose Mortgage Remix

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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Fineco Green Mortgage

Are you planning to buy an eco-sustainable house? Choose Green Mortgage, the new tailor-made solution for you, and find out that buying an A-class energy home is even cheaper. Simulate the instalment in the website's reserved area.

What are your goals?

With Fineco mortgages you can watch at your projects from a new perspective. Achieving them is simple.

«I want a place of my own, where I can come back every evening and really feel at home.»

Spread acquisto da 0,35%

Up to €1,000,000 to buy the house you desire. Get up to 80% of the property value, to refund from 10 to 30 years.

«My new eco-sustainable home»

Spread acquisto green da 0,25%

Up to €1,000,000 to buy the house you desire. Get up to 80% of the property value, to refund from 10 to 30 years.

«My old mortgage just got too expensive. I want a better deal.»

Spread surroga da 0,65%

Bring your old mortgage in Fineco to reduce the instalment. Zero preliminary investigation and collection fees, with no substitute tax or notarial cost. From 10 to 30 years.

«Now I've bought my house, I have other big projects in mind.»

Spread liquidità da 0,85%

Thanks to the guarantee of your home you can get up to €500,000 for your projects and up to 60% of the property value, to refund from 10 to 20 years.

«I need access to more funds but I already have a mortgage.»

Spread rifinanziamento da 0,75%

Substitute your old mortgage and get additional cash for your projects. Up to €500,000 and up to 70% of the property value, to refund from 10 to 20 years. No limits on the additional cash you can ask for.

Everything you look for in a mortgage

Personalised, protected, simple and supported: everything you could ask for with Fineco.

Relax about your projects

Sleep better at night in the safety of your own four walls with the Fineco mortgage.

Fire and Explosion Policy is included free of charge: the whole cost is covered by the bank, without any surprise.

And by adding the Fineco Mortgage Policy you can insure yourself against events that might reduce your ability to make your mortgage repayments. So you can live your life without worrying about your commitments and provide your home and family with the protection they deserve. Why risk it? Added relaxation to your everyday life.

It's easier done than said

Work out your instalments and apply for your mortgage directly online yourself.
And with our online tracking service you can follow the progress of your application from the comfort of your own home.

Or if you prefer, you can get in touch with a Fineco Personal Financial Advisor.

Dedicated assistance when you need it

A dedicated mortgage specialist always available for you, to help and guide you through the process, from the mortgage application and valuation to signing the agreement.

Mortgage made easy

Spread

The Spread is the increase, in percentage terms, applied to a benchmark (e.g. 3-month Euribor, IRS.) to determine the interest rate of a mortgage.

IRS

The IRS is an interbank rate, i.e. the interest rate at which banks lend money to other banks. It is used by banks as a benchmark for fixed-rate mortgages.

Euribor

The Euribor (European Interbank Offered Rate) is an interbank rate, i.e. the rate of interest at which banks lend money to other banks. It is used by banks as a indexing parameter for variable-rate mortgages.

Preliminary investigation

The Preliminary investigation is the step that enables the bank to assess whether to grant the mortgage loan, based on the creditworthiness and income requirements of the applicant and the quality of the secured property.

Appraisal

The Appraisal is the technical report that a specialist draws up during the mortgage preliminary investigation, certifying the value of the property to be mortgaged and the reasonableness of the loan amount requested to the bank.

Subrogation

Subrogation is the service that allows to transfer a mortgage at no cost (portability) from one bank to another, and to obtain a new mortgage for an amount equal to the outstanding debt at a more advantageous interest rate.

The Fineco Mortgage Policy is an insurance product against payment of AXA France VIE and AXA France IARD, which is designed to protect you in case of serious events that may reduce your ability to repay the outstanding debt or the mortgage instalments.
The policy guarantees:

  • mortgage repayment in the event of death or total permanent disability
  • payment of mortgage instalments in the event of involuntary job loss or temporary total disability or hospitalization

Further details

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 August 2019.

MORTGAGES

Representative example on a Purchase Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 863.08, variable APR 0.70% effective APR 0.96%, including € 250 of the substitute tax (first house), € 700 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 4,819.98. Total amount due from the consumer: € 103,569.98.

Representative example on Subrogation Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 884.75, variable APR 1.20% effective APR 1.21%, no substitute tax and no preliminary investigation or appraisal fees. Total amount of credit € 100,000. Total cost of the credit € 6,169.90. Total amount due from the consumer: € 106,169.90.

Representative example on Equity Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 886.93, variable APR 1.25% effective APR 1.52%, including € 250 of the substitute tax, € 700 of preliminary investigation fees, € 300 0 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 7,682.18. Total amount due from the consumer € 106,432.18.

Representative example on Refinancing Loan Mortgage at a personalized rate 50% fixed rate - 50% floating rate with Eurirs 10 years and Euribor 3M/360 of € 100,000 with property value of € 200,000 repayable in 10 years monthly payment € 883.66, variable APR 1.18% effective APR 1.44%, including € 250 of the substitute tax, € 700 of preliminary investigation fees, € 300 of appraisal fees. Total amount of credit € 98,750. Total cost of the credit € 7,288.92. Total amount due from the consumer: € 106,038.92.

10-years Eurirs, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.35%.
Euribor 3M/360, calculated pursuant to the General Information on mortgage loans offered to consumers equal to 0.00%.

Compulsory property insurance policy: the cost is entirely borne by the bank that entered into a policy as an insured contractor, to cover the fire and explosion risk on the secured property.
In order to apply for a loan, it is required to be a Fineco account holder and to be 75 years, or less, from the end of the repayment plan. The age limit can be overcome if the mortgage co-signer is less than 70 years old at the end of the repayment plan and is a permanent employee, retired or self-employed. The granting of the loan is subject to the approval of the Bank which reserves the right to assess requirements and creditworthiness. Purchase and Subrogation Mortgages loan term: from a minimum of 10 years to a maximum of 30 years.
Duration of Equity Loan and Refinancing Mortgage: from a minimum of 10 years to a maximum of 20 years. Amount financed up to 80% of the property value for Purchase and Subrogation Mortgages; up to 60% of the property value for Liquidity Mortgage; up to 70% of the property value for Refinancing Mortgage. The property value is the lower of the purchase price and the appraisal value in the case of a Purchase Mortgage or the appraisal value in the case of a Subrogation or Liquidity Mortgage.
Purchases, subrogation, equity and refinancing mortgages are granted by Finecobank s.p.a and guaranteed by hypothecation on property.

The Fineco Mortgage Policy is an optional insurance policy of AXA France VIE and AXA France IARD. Read the Pre-contractual information set carefully before subscribing.
For all contractual and economic conditions relating to the mortgages, please refer to the General Information on mortgage loans offered to consumers of the Fineco Purchase, Subrogation Mortgage, Equity Loan and Refinancing Mortgage.

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