Have you heard about the personal loans Intesa San Paolo? Would you like to request a loan intended san paolo, but first you want to know more about its products and the profile of this bank?
Then you’re in the right place! Let’s discover together the loan proposal offered by Banca Intesa.
Who is Intesa San Paolo
Intesa Sanpaolo is an Italian joint-stock company and a banking group that has been operating since 2007, after the merger of Banca Intesa with the Banca Sanpaolo IMI.
Intesa Sanpaolo is currently the first banking group in Italy by capitalization, but also by number of branches throughout the territory. The company was also included in the FTSE MIB index of the Milan Stock Exchange.
Reliability
The Intesa San Paolo Group at the moment it has an asset of 830 million euros, and credits to customers for a value just below 400 million euros, also to technical reserves of 155 million euros.
Intesa Sanpaolo is considered one of the safest banks both in Italy and in Europe, in fact it is in first place among Italian banks, and is also one of the best in the European Union for capitalization and reliability.
To testify to its reliability we also find the confirmation by the European Banking Authority that confirmed the financial solidity of the Entente San Paolo by assigning it a score of CET1 Ratio equal to 13.3%.
Finally, like most banks today, the Intesa San Paolo Group also adheres to the Interbank Guarantee Fund, which protects the bank accounts of customers, in the event of the bank default.
Filials
For the number of branches it is considered among the twenty largest banks in Europe, in fact it has a total of 4,083 branches, while abroad it offers its presence with 1072 counters.
Analysis of different types of loans Intesa San Paolo
Intesa San Paolo loans offers different types of financing that also change depending on the profile of its customers. But let’s see together which are the main ones offered by this credit institution.
PerTe Loll in the Pocket
PerTe Lown Loyal is a mini-logging that you can regenerate whenever you need it, just have paid the installments of the previous disbursement.
In particular, this represents a line of credit that you can use a little at a time, and that gives you the opportunity to choose the amount of individual loans you need.
PerTe Loll Lown provides:
- A maximum credit line up to 5 thousand euros;
- The possibility of reimbursing the amount within a maximum of 48 months;
- A small loan with no maturity;
- Sum request accredited in real time to the current account;
- The possibility to request the credit line directly online also from the application or the site;
- A loan that can cover unforeseen expenses;
- You can change or restore the initial amount as you repay each individual loan you require.
PerTe Easy Loyed
PerTe Prestito Facile is a personal loan that allows you to manage the request not only in the branch but also directly online. Specifically, this funding provides:
- The possibility of requesting up to 75,000 euros;
- An instalment up to a maximum of 84 months;
- A depreciation plan according to your needs;
- A detailed and clear quote;
- The possibility to modify the loan installment free of charge;
- You may also request if you have a fixed-term contract, an atypical job or if you are a freelancer;
- One reply within 24 hours;
- You can subwrite the policy to move the expiration of an installment.
PerTe Youth Loir
The PerTe Prestito Giovani loan is a loan that allows you to study a tailor-made repayment plan designed for those who have recently entered the world of work, who have a fixed-term contract, an atypical job, or work as freelancers.
The loan PerTe Loan for Young Presti includes:
- The possibility of requesting a sum of up to 30 thousand euros;
- Refund possible up to a maximum of 120 installments;
- An advantageous and facilitated rate;
- No justification required for the expenditure carried out;
- There is no need to bring too many documents;
- Access to a subsidized rate;
- The possibility of applying for the loan directly online.
PerTe Direct Loyre
PeTe Prestito Diretto is a loan that Intesa San Paolo offers to TAN 0.00 and APR 0 for all customers who choose to buy one of the partner products of the bank. The products, among whose brands we find: Samsung, Apple, Vespa etc … can be purchased directly from the bank’s website, within their personal profile.
Then with your credentials you can buy the product and pay it in installments, for payment you will take the bank directly by withdrawing them from your current account.
PerTe Prestito Public Employeants MEF
The ForTe Loan Public Employees MEF, as well explained by the name, is a loan that allows the request for a loan to all those who receive the salary from the Ministry of Economy and Finance, such as a teacher, or an employee of the Guardia di Finanza, etc.
In this case, applicants will have to take out insurance coverage on the life and employment risks paid by the bank.
With this loan it is possible to:
- Apply for a loan of up to 80 thousand euros;
- Free investigation fees;
- The possibility of repaying the loan up to 120 instalments;
- No additional guarantee is required apart from the salary;
- The fixed interest rate for the duration;
- Exrogation in 24 hours.
PerTe loan Exclusive
Intesa San Paolo loan For Te Exclusive provides a loan for very high amounts, designed for those who want to carry out a project, or need liquidity, whatever the reason there is no justification for spending.
The Loy for you Exclusive provides:
- The possibility of requesting up to 300 thousand euros;
- The production of a few documents and no justification for the expense;
- A flexible loan for both the amount and the duration;
- The possibility of having an expert at your side who helps you find the best solution for your needs;
- The request for funding can be made up to a maximum of 80 years;
- The maximum repayment period is 15 years.
PerTe Lost of pensioners
The PerTe Pensionati Inps loan is a loan designed for all those who receive the pension from INPS.
This funding provides for:
- A loan for pensioners also can be combined with the Pension Card;
- The possibility to request up to a maximum of 75 thousand euros;
- A loan can be obtained up to a maximum of 10 years;
- The loan can be applied for up to 82 years.
PerTe Prestito Public Employees
This form of financing can be requested by all those who are employed at the Italian public administration. The Loan PerTe Public Employees provides:
- The possibility to request up to a maximum of 80 thousand euros;
- Time of disbursement of the fast loan;
- The loan is disbursting in a short time;
- A fixed interest rate for all financing;
- No additional guarantee other than paycheck;
- The instalment is taken directly from the salary;
- Completely free investigation costs;
- Maximum repayment time up to 120 instalments.
Loyplace for Merit
The Loan for Merit is designed for all those who want to finance their studies. The loan provides:
- The possibility to finance their studies in Italy or abroad, for the University, Master, Postgraduate Studies of Higher Education or at the Professional Schools;
- Amount can be leversed according to the chosen study path;
- The possibility of financing studies up to 50 thousand euros;
- The refund of the amount is made after two years the completion of the studies;
- The instalments and the duration of the loan are adapted to the student’s needs;
- After studies, the figure can be returned in a single solution or in installments with a personal loan;
- The repayment plan will be made at a fixed rate;
- There is no need for any wealth guarantee from the parents.
Conditions of loans Intesa San Paolo
The loans of Intesa San Paolo allow access to various categories of consumers. Loans are mainly granted to those who:
- They are public employees;
- Atypical workers, freelancers, or workers with fixed-term contracts;
- They are not foreclosed and have no solutes behind them;
- The pensioners.
Maximum amount of Intesa San Paolo loans
The amount of loans changes depending on the type of loan you choose to subscribe to. For the credit line you can get a maximum of 5 thousand euros, the personal loans instead give the possibility to request a maximum of 30 thousand euros.
Loans for civil servants or the MEF, on the other hand, have a limit of 80 thousand euros. Finally, up to 80 years old it is possible to access the Exclusive loan that allows you to request up to 300 thousand euros.
Minimum and maximum duration
The maximum duration for repayment of the loan is 2 years (for the credit line). For the various personal loans, on the other hand, the maximum duration is 10 years. Finally, only the Exclusive loan gives the possibility to repay the loan in a maximum of 15 years. For all loans the minimum duration is 12 months.
Loyres Under-Edated St. Paul: Tan and taeg
The TAN and the APR that determine the interest rate of the various loans changes depending on the product chosen. In detail:
- PerTe Loan in your pocket provides a TAN at 5.00% and an APR at 5.10%;
- Easy Loan provides a TAN at 5.95% and an APR at 6.85%;
- Youth Loan offers a TAN at 5.95% and an APR at 6.75%;
- PerTe Loan Retired provides a TAN at 6.95% and an APR at 7.26%;
- ForTe., Public Employees provides a Tan at 4.95% and an APR at 5.13%.
What happens if I stop an installment
One of the biggest concerns when making a loan is what if you skip an installment? Intesa San Paolo’s loans can be, optionally, accompanied by an insurance that allows you to skip one or more installments in emergency situations without repercussions.
In case you skip an installment, without insurance, however, the bank proceeds first to send a recall in the second call to see if the customer pays it 15 days after the issue.
If you do not pay it after 15 days, then the bank first sends a report as a bad payer, then continues to try to charge the installment, until after 30 days from the task of collection to a self-considement, which contacts the debtor and requests the payment of the installment with interest.
If you do not continue to pay the installment on time, then the bank proceeds to make an attachment application that can tyduch the worker’s salary or his personal property.
Lots Intesa San Paolo: or pinion of jadnews
Intesa San Paolo as we have seen it would seem a reliable bank, but not only does this offer a good combination of the services of a classic bank and those of home banking with the possibility of requesting the loan also online.
As for interest rates, they are in line with those of other Italian banks, even if seeing the proposed TAGs and AAGs it is clear how it is cheaper than financial companies, which usually have higher interest rates.
Finally, another point in favor is the bureaucratic simplicity with which it is possible to apply for the loan in fact, there is no need for excessive documentation, but those related to income and their identity documents are enough.
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!
