Requirements to apply for the loan
Poste Italiane personal loans are dedicated to all consumers who have a demonstrable income. Although the group offers different financial products, the conditions for obtaining non-finalized Bankate loans are always the same and can be summarized in the presence of an income.
Bankate loans can be requested both by Italian citizens who are employed or self-employed and pensioners and by foreign citizens employed for at least twelve months at the same company (for employees).
Foreign self-employed workers must have documented their residence in Italy for at least 36 months.
Poste Italiane offers different TANs according to the type of financing best suited to its needs, but usually it is competitive with respect to the competition.
The costs of investigation, management and collection of the installment and sending periodic communications are usually free. Insurance coverage to protect the loan is optional.
Poste Italian personal loans are designed to meet not only the liquidity needs but also those of habit of its consumers: those who are more used to having personal relationships with a financial advisor will have available – by going to the post office – products such as Bankate, Astro, Medriace or Special Quick Now.
Those who are now launched in the world of net banking can proceed with the request and obtaining of a loan also online, through financial products such as Click Bankate loan or Bankate online loan.
Poste Italiane personal loans to be requested from the agency
There are 4 Bankate loan loans that a consumer can request and obtain from a branch: Bankate loan, Astro, Medriace and Special Quick Now. Each is aimed at different consumers and provides for a maximum liquidity threshold.
It is dedicated to bank account holders, who can request a sum of money between $ 1,500 and $ 30,000.
The economic conditions envisaged for reimbursement differ according to whether the account holder has credited the salary or the pension to his current account or not.
Clearly in the first case you will be entitled to an equalized TAN and an APR, which usually stand within 10%, while in the second case you will have an effective APR that exceeds 11%.
The liquidity is credited to the account, while the repayment can be made in a span of time between 12 and 84 months.
It is dedicated to those who have a bank account or a Postepay Evolution card, but can also be requested from those who do not have any of these financial instruments.
The difference will be palpable in economic conditions but also in the maximum available ceiling: holders of a bank account or an Evolution Card will be able to request a sum of between $ 1,750 and $ 20,000 to be repaid over a period of between 24 and 84 months.
The TAN proposed by the group is fixed and stands at 12.75% while the APR reaches 13.74%.
Those who do not own either of the two instruments can still request Astro but the maximum liquidity required can stop at $ 10,000 to be repaid in 12 or 72 months.
For this type of financial product, stamp duty of $ 16 and costs of $ 2 are required for sending communications.
Liquidity can be credited to your bank account or withdrawn in the form of a wire transfer to the post office. Postal refunds are also provided for reimbursement.
It is the personal loan intended for civil servants and retirees who can repay installments equal to one fifth of their salary.
Money can be requested both to have liquidity to spend and to consolidate past debts, by incorporating existing loans into a single solution. It is also payable to holders of bank or post office current accounts as well as to those who do not have them and could be accepted even if other ongoing loans exist.
The maximum amount that can be requested depends on the amount of the paycheck or pension and can be reimbursed from 36 to 120 months.
It is essential to take out life insurance for retirees, loss of employment for employees. The age limit for retirees does not exist, while for public workers it is between 18 and 67 years of age, or in any case within the age limit set by the retirement age legislation.
Special Quick Now
This is the Poste Italiane personal loan designed for holders of a Postepay card who can be credited the amount of the loan directly to their card.
There are three top-up solutions: from $ 750 refundable in 15 installments with TAN 0.00% and APR of 18.21%; from $ 1,000 repayable in 20 months with a TAN of 0.00% and an APR of 16.51%; and finally from $ 1,500 to be repaid in 24 months with a fixed TAN of 0.00% and an APR of 15.46%.
The loan can also be granted to holders of the new Postepay Evolution card.
Poste Italiane personal loans can be requested directly online
Poste, perfectly in line with net-economy trends, has two financial products dedicated to those who now work in online banking and want to apply for a personal online loan. The loans available online on the official website of the postal institution are: Click Bankate loan for current and non-current account holders and Bankate loan online.
Click Bankate loan
It is for account holders or for all other consumers, the Click Bankate loan offers both a fixed rate and a flexible installment.
The proposed TAN is lower for current account holders, by at least one point, it will depend on the amount requested and the number of months within which the debt is to be paid off.
From $ 1,5000 to $ 30,000 can be requested online, to be returned in 12 or 84 months. After repaying the first six months, you can decide to change the installment amount, skip one or more installments, thus managing to extend the loan up to 108 months.
Bankate loan online
Account holders and holders of Bankate online can apply for a personal loan dedicated to them. The formula always provides for a maximum cap of $ 30,000 to be repaid in 12 – 84 installments. The TAN is fixed and is usually facilitated compared to other financial products, standing at 9.40%.
How to apply for a loan
On the Poste Italiane personal loans page the different financial products are divided into 2 categories: those that can be requested by going to the post office and those that can be managed online.
Personal loan: how to apply for it at the branch
To apply for funding, it will be necessary to go to a post office, present with identity documents, health card and income documents.
Furthermore, in the event that the applicant is a foreigner, it will be necessary to present the passport and residence permit, a document certifying that he has been resident in Italy for at least 12 months and the paycheck, or a document of equivalent income, in which it is evident that he is working. for the same employer for at least 12 months.
Self-employed foreign workers must provide a document attesting their residence for at least 36 months.
Once all the documents have been submitted and the loan has been requested, you will receive a response from the institution in 24 hours and in a few days the liquidity will be credited to your bank account.
Personal loan how to apply for it online
Requesting personal financing on the group website is simple and intuitive. Just click on the button at the bottom of the “Apply for Loan” page and fill in the form to calculate the installment and conditions.
If the loan is in line with your needs, you can submit the actual loan request: the feasibility response is immediate; following the outcome, copies of the necessary documents, signed in each part, can be sent by registered mail.
The requested amount will be credited to your bank account in a few days. Online financial products are managed by Findomestic Banca.
|By making a request for $ 5,000 to be returned in 36 months, the calculation will give this result|
|Net amount paid||$ 8,000|
|Total cost of credit||$ 2,343.06|
|TAN||10.25% (fixed rate)|
|Preliminary preliminary costs||$ 0.00|
|Costs of sending periodic transparency communications||$ 0.00|
|Installment collection costs and practical management||$ 0.00|
|Pre-amortization interest||$ 66.06|
|Substitutive tax||$ 20.00|
|Monthly installment amount||$ 170.95|
|Total amount due||$ 10,343.06|
Delivery times and refund methods
Acceptance or denial of the funding request is communicated by telephone, in the case of a request in the post office, or by e-mail, in the case of an online request, within 24 hours.
The credit, according to the chosen product, takes place two days after acceptance, materializing on your current account or by bank transfer to be collected at the post office.
Refunds can be made either by direct debit from the current account or by postal payment slip, in the absence of the latter and have a deadline usually set on the 28th of each month.
The answers offered by Poste Italiane are varied and can respond effectively to all needs. Finding the right product is very simple and even easier is obtaining the trust of the institution: obviously presenting the right guarantees.