Loans
The Loan Dedicated to You
The new range of financial services for families from Italcredi SpA, a company specialized in offering loans, personal loans and mortgages with highly advantageous conditions, which allow our customers the ability to face even the most important projects with confidence.
- Assignment of one-fifth of the salary
- Assignments of one-fifth of the pension
- Payment delegation
- Personal loans
- Mortgages
Italcredi offers sustainable credit.
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Remember to check your repayment capabilities before committing.
Employee loans
This loan is dedicated to all employees with permanent contracts and retirees, with direct deduction from the paycheck or pension slip.
Transparency
The fifth assignment loan is an effective, safe and convenient solution, designed to meet both the small and large needs of customers. The salary deduction can coexist with other deductions in the paycheck provided that the sum of the deductions does not exceed 40% of the net salary.
- Fixed rate and monthly payment for the entire duration of the loan
- Maximum duration 120 months
- Single signature without giving reasons for the request
- Favorable conditions thanks to the INPS and EX-INPDAP conventions for pensioners
- Intended for permanent employees: Public, State or Private Companies with a minimum of 16 employees.
- Agreements with favorable rates for all major Ministries and Public Bodies.
- You can apply for the loan even if you already have other loans in progress.
- If you already have a transfer in progress, with the Payment Delegation you can obtain an additional loan with the same advantages.
To obtain a loan under these conditions, it is sufficient to present the following:
- Valid identity document and tax code
- Last paycheck or pension slip
Advertising message for promotional purposes. The disbursement of the loan is subject to the approval of Italcredi SpA. Before signing the contract, it is possible to view the information relating to the same through the document "Basic European Information on Consumer Credit", drawn up by Italcredi SpA and available at the headquarters, branches, agencies as well on this site in the Transparency section. ITALCREDI SpA is registered in the Register of Financial Intermediaries held by the Bank of Italy pursuant to art. 106 of the Consolidated Law on Banking under no. 40 and is subject to the management and coordination of the parent company Cassa di Ravenna SPA
Payment delegation
- The Loan with Proxy is a loan dedicated exclusively to employees with permanent contracts.
- The loan with payment delegation is a form of financing that goes alongside the salary-backed assignment and allows the employee to sell an additional fifth of their net salary.
- You have the opportunity to request an additional sum even if you already have a loan. It is often combined with the salary-backed assignment, up to a maximum of 40% of the net salary;
- Duration up to 120 months, with fixed installments and rates;
- Single signature without giving reasons for the request
Advertising message for promotional purposes. The disbursement of the loan is subject to the approval of Italcredi SpA. Before signing the contract, it is possible to view the information relating to the same through the document "Basic European Information on Consumer Credit", drawn up by Italcredi SpA available at the headquarters, branches, agencies and on this site in the Transparency section. ITALCREDI SpA is registered in the Register of Financial Intermediaries held by the Bank of Italy pursuant to art. 106 of the Consolidated Law on Banking under no. 40 and is subject to the management and coordination of the parent company Cassa di Ravenna SPA.
Personal loans
Personal Loans for all categories: Professionals, Self-employed, Artisans, Employees and Retirees.
In collaboration with leading banking and financial institutions
- Fixed rate for the entire duration of the loan
- Up to € 30,000 with a maximum duration of 84 months
- Single signature
Advertising message for promotional purposes. Italcredi SpA is authorized to promote and place the Agos Ducato SpA he Loan is provided by Agos Ducato Spa and the Loan request is subject to the approval of Agos Ducato SpA. Italcredi SpA is authorized to promote and place the Loans Findomestic Banca SpA The Loan is provided by Findomestic Banca Spa and the Loan request is subject upon approval by Findomestic Banca SpA Before signing the contract, the information relating to it can be viewed in the document "Basic European Information on Consumer Credit", drawn up by Italcredi SpA, available at the headquarters, branches, agencies and on this site www.italcredi.it.
Mortgages
Practical guide to mortgages
Advertising message for promotional purposes. For the contractual conditions, please refer to the information sheets available to customers at the site and at the branches.
