Loans for Students: Solutions and Offers from Italian Banks and Post Offices

Student loans are real loans that are provided by banking institutions with special conditions specifically designed to meet the sustainability needs of a student who begins his academic career. The installments of the loans are repaid after several years and the rates are normally kept below the average threshold, so that immediately the relationship between the bank and the young client can be considered consolidated and ready to be developed for the future , when the young will have completed his studies and will start his professional career.

For a student who is about to start his university career , or who may have already started his studies, the main initial limits are due precisely to the cost of university education. The will not to burden with expenses, sometimes very high, on the shoulders of the family, pushes many young people today to give up the dream of completing their studies and graduate. The answer to the needs of young students is now provided by the lenders who have activated a series of initiatives aimed at financing young students who need credit to complete their studies . Let’s find out together the characteristics of the offer of some of the main Italian competitors.

XTE Loan with Lode: the Intesa Sanpaolo offer

XTE Loan with Lode: the Intesa Sanpaolo offer

The offer of Intesa Sanpaolo, one of the leading Italian banks, is characterized by the possibility of activating the loan and obtaining a full 5 years of bridging before starting the real restitution phase, which can also take place in a single solution to the term of the study cycle. The repayment plan can be activated up to 30 years in duration and the management of the assigned credit line is carried out through a dedicated current account and a debit card linked to it.

Unicredit Loan Ad Honorem

The credit line proposed by Unicredit, another major player at international level, may vary in terms of duration, depending on the course of study you have chosen and of which you will have to communicate the details directly to the agency at the time of switching on. At the end of the course of study, the amount accrued together with the interest turns into a personal loan that you can decide to repay at the end of the study period or to finance you in small monthly installments with a sustainable cost. The maximum duration of the product is set at 180 months and the maximum amount granted is 27 thousand euros.

Agos student loan

Agos student loan

 

With the same characteristics of the product that you can subscribe at a bank, even the financial Agos offers an alternative to students, allowing them to light a loan for a maximum amount of 30 thousand euro, with all credit guarantees and the characteristics of a loan true, as the mechanism of suspension of the installment or modification of the amount. The request can be perfected directly through the online form.

BNL discount and praise loan

The Banca Nazionale del Lavoro, owned by the BNP Paribas group, offers funding for your studies, assisted by a bank guarantee signed by a third party; the credit line can also be granted against the presentation of other assets, such as financial securities. The amount of the loan and the interest rate to be paid will vary periodically on the basis of a table that also takes into account your university average, reserving the best conditions for the most capable and deserving students. The Bancoposta Student Loan is, in the end, the alternative of Poste Italiane to the banking offer and its conditions are in line with those of all the other market competitors.