Here’s everything you need to know if you’re looking for a BNL loan
Would you like to make a BNL personal loan? But first would you like to know the bank better and especially what are its main products? Then you came on the right guide for you.
In this guide, in fact, let’s find out what are the personal loans BNL, the interest rates applied, and we will also tell you some details about this bank, and in the end you can read our opinions.
Then we wait no longer and let’s go to see the BNL loans in detail!
Who is BNL
BNL or the National Labour Bank is an Italian banking group that has millions of customers among individuals, companies, institutions and freelancers.
The bank was founded in 1913 and presents several other institutions under its brand these are: Artigiancassa which manages the public funds of artisans, BNL Finance that deals with the delegation of payments and disposals of the fifth, BNL Positivity for the management of POS payments, and Ifitalia in the factoring sector.
Since its foundation, BNL has turned its bank’s services not only to individuals, but also to companies, bodies, merchants, artisans and freelancers who have been part of its clientele for about a century.
Reliability
BNL is a publicly traded bank, and has been operating in the industry for more than a century. During this period its reliability has always been at optimal levels. Looking carefully then at the Total Capital Ratio which is 14.7% and the CET 1 Ratio equal to 14.6% we can see how this is trusted, also in compliance with the rents imposed by the European Union.
Customers
BNL’s clientele is very large, in fact in total today the bank has 3 million users, these are divided into:
- 2.5 million individual customers
- 900 thousand private customers
- 169 thousand SME customers
- 33 business centers for SMEs
- 16,000 organizations and local authorities
Filials
BNL has branches throughout Italy. In total there are 950 agencies, while the ATMs are 1,900. In addition, there are 29 Private Banking and 5 Trade Center centers in the area. Finally, in 10 countries around the world there is a wide network of Italian Desks.
Types of BNL Loan
Do you want to choose between a BNL loan? Let’s find out together which are the main ones offered!
Loyal Bnl Novo
The BNL Novo Loan is a personal loan that provides several advantages for applicants, specifically with this it is possible:
- Access an installment set according to your needs:
- You can request up to 100 thousand euros;
- You can request new availability after payment of the sixth installment (Reload Option);
- After 12 months of payments you can suspend the payment of an installment or more (Flexi Option);
- The loan is at a fixed rate for the duration;
- The loan can also be requested online with the 1-click system available for BNL customers.
BNL Losty School more
The BNL School plus loan is a fixed-rate financing designed for parents who want to help their children to better seize every opportunity given by non-school courses.
With this loan it is possible to request between 500 and 3 thousand euros, with a loan duration ranging from a minimum of 6 months to a maximum of 12 months. In detail, this loan is designed for:
- The purchase of the books;
- For extracurricular courses such as music lessons, foreign languages, in-depth courses, etc.;
- Lot for study holidays and trips abroad.
The loan does not provide any preliminary costs and you have the security of accessing a repayment plan in constant instalments and at a fixed rate.
Lost Futuriamo
The BNL Futuriamo loan is designed to finance the expenses a student has to complete or begin his university studies.
The loan is designed to finance all the expenses related to the university, to a master, Erasmus, courses of study abroad, courses of improvement of the foreign language, post-graduate masters, transport and housing expenses.
BNL Futurimo provides:
- A depreciation plan in constant instalments with fixed-rate interest;
- A pre-depreciation from a minimum of 12 to a maximum of 36 months;
- The possibility of reimbursing pre-depreciation interest with the installments of future amortization;
- Possibility of paying pre-depreciation interest with small interest rates only.
BNL Loyplace New Nats
BNL offers the possibility to access the New Nati Fund, a support for families intended to encourage birth and at the same time to support new parents through subsidized financing.
The New Nati Fund, which takes the name of Birth Support Fund, allows new parents to access a maximum loan of 10 thousand euros to be repaid within a maximum of 7 years.
Funding can be requested by all parents who have had a child, or have adopted it, starting from 1 January 2017 until the age of three years of the child. The new subsidized loan provided for the guarantee of the birth support fund for 50% of the amount of the loan granted.
Green BNL Loyplace
If you want to buy one New hybrid or electric car or you want Improving the energy efficiency of your home You can apply for BNL’s Green loan. The Green loan can be required to:
- The purchase of hybrid and electric vehicles;
- Renewable energy plants;
- Thermal insulation of the fixtures, windows, walls and covers for energy saving.
Here are the features of the Green BNL loan:
- Zero costs of investigation;
- The possibility of repaying the loan in 120 months;
- Up to 100 thousand euros can be requested, to cover the costs of improving energy savings.
Conditions of BNL loan
What are the conditions for applying for a BNL loan? Let’s see together: the amount, the duration of the loan, and the interest rate applied.
Maximum amount
The amount of loans changes depending on the product chosen.
In the case of loans for students, the amount depends on the degree course or postgraduate specialization that must be followed, for the School loan plus the maximum that can be financed is 3 thousand euros.
Instead, for the loan dedicated to new parents the maximum amount is 10 thousand euros. For all other forms of personal financing it is possible to ask for up to 100 massimo dithousand euros.
Minimum and maximum duration
The minimum duration for a BNL loan is 12 months, but the maximum duration can reach no more than 120 months, i.e. 10 years.
Tan and taeg
The interest rates applied change depending on the type of loan you choose to subscribe to, and whether or not they are active promotions that make the financing cheaper than usual.
In general, we can see that interest rates at the moment for:
- BNL School +: TAN at 3.90% and an APR at 3.97%
- Futuriamo: TAN at 2.00% and an APR at 2.06%
- New Born: TAN at 4.99% and a PUP at 4.99%
- BNL Green: TAN at 5.99% and a APR at 6.23%
What happens if I stop an installment
Jumping an instalment is never a good idea when you have entered into a contract, as there is a risk of being reported as bad payers to the CRIF or the SIC, the interbank risk plant. In both cases, it may become difficult later to apply for a loan especially if you do not restore the situation.
With BNL as for any other bank, if you do not pay an installment on the predetermined date and even after the first communication that informs you of the delay of the payment, you risk receiving a report as a bad payer.
If you have a loan with the Flexi option, you can ask the bank to skip one or more installments in advance, if you have already paid at least 12 months of the loan, so you will not have any repercussion or reporting as a bad payer.
BNL Loyon: jadnews’s opinion
Banca BNL, as far as loans is concerned, certainly offers a wide choice, but not only also presents the possibility of asking for amounts above average, compared to those of other banks.
For example, the Novo personal loan allows you to apply for up to 100 thousand euros, even if the repayment times remain tight, in fact you can pay the installments for a maximum of 120 installments. However, the two options related to personal loans such as Flexi and Reload, the first that allows you to skip one or more installments, the second that instead gives you the opportunity to increase the capital required after paying at least 6 installments.
Finally, as far as interest rates are concerned, these are in line with other Italian banks, even if there are some loans at subsidized rates such as the one intended for university students (Futuriamo) and that for new parents.
Are you looking for the best loan at the best conditions? Click here to find out how to find the loan that is really suitable for you!
