chat WhatsApp Support Apply for a Loan

Bring your home projects to life with the fixed rate at 3%

Finanzia ristrutturazioni, rifacimento impianti, arredo o riqualificazione energetica green fino a 99.900 € a condizioni uniche con TAN fisso al 3,00% bloccato per tutta la durata e zero ipoteche.

verified Fixed TAN 3.00%
no_accounts Zero Mortgages
request_quote €0 Appraisal Fee
echo Deductions 50%-65%
Simulate a Home Loan calculate support_agent Talk to a real estate agent
A Cassa
Promo 3.00% Active
domain

Preliminary Results

Instant—in 3 minutes

TAN 3.00% FIXED

Mortgage-free

percent

3.00% Fixed TAN

Fixed payments for the entire term

verified_user

Zero Mortgage

No fees or notary services

bolt

Results in 24 Hours

100% Digital Quick Evaluation Kit

savings

Tax Credits

Full IRPEF Refund 50% • 65%

Transparent Online Simulator

Calculate the monthly payment for your projects using the promotional rate of 3%

Select the desired loan option, then customize the repayment amount and term. Get an instant calculation with a guaranteed annual interest rate of 3.00%.

Amount Requested
€ 20.000
Min. €3,000 Max € 99.900
Term of the loan
120 months (10 years)
24 months (2 years) 120 months (10 years) 240 months (20 years)
Fund Disbursement Procedures
Promotional Rate 3.00% lock Fixed Rate
Estimated monthly payment
€ 264,27

You'll save about €20 per month compared to the standard market bank rate (5.10%).

Fixed TAN

3,00%

Estimated APR

3,16%

Application Fees

€0.00 (Free)

Estimated Total Due

€ 22.198,34

receipt_long
Tax Deduction Benefit 50%

Recoveries of up to € 10.000 on your tax return in 10 annual installments via a designated-purpose bank transfer.

Apply for a home loan at the 3% rate arrow_forward

This offer is subject to a creditworthiness assessment by the lender. SECCI’s pre-contractual documentation is available online prior to signing.

What You Can Create

A single grant for each type of project

No strict limitations: it provides financing for labor, building materials, designer furnishings, and energy technologies.

construction
Up to €75,000

Renovation & Bathrooms

Complete or partial renovation of floors, resin or stoneware tile finishes, certified plumbing and electrical systems, designer bathroom fixtures, and energy-efficient windows and doors.

chair
Up to €40,000

Complete Furnishings

Modular kitchens with Class A appliances, a contemporary living area, custom-upholstered sofas, custom-built cabinetry, and LED lighting.

solar_power
Up to €75,000

Energy Efficiency

Solar power systems with battery storage, hybrid heat pumps, exterior insulation, and home charging stations for electric vehicles.

deck
Up to €30,000

Outdoor Spaces & Garden

Bioclimatic pergolas and glass-enclosed porches, floating decking for terraces, smart home fencing, irrigation systems, and outdoor lighting.

Comparison of Advantages

Why choose the 3% Home Loan instead of the Renovation Mortgage?

Less red tape, no notary fees, and funds available in a matter of days instead of months.

Features & Costs
verified PRESTIVANA Home Loan (3,00%)
Traditional Bank Mortgage
Mortgage Registration
check No mortgage on the house
Required (150% - 200% in value)
Notary Fees
check €0 (No action required)
From €1,800 to €3,200
Fund Disbursement Timelines
check 48–72 hours after approval
45–90 business days
Technical Appraisal Fees
check €0 (No appraisal required)
About €350–€500
Furniture & Fixtures Financing
check Included in 100% in the estimate
Often excluded or restricted
Promotional Fixed TAN
check 3,00% Guaranteed and Locked
Variable or Fixed (3.60% – 4.50%)
Zero Carta, 100% Online

What do you need to get a home loan?

All it takes is 4 digital documents to receive preliminary approval the same day without having to wait in line at a branch.

1

Identification Document

A valid ID card (or passport) and a health insurance card with a valid tax ID number.

2

Income Test

The last two pay stubs for employees, the "Redditi" form (formerly "Unico") with a receipt for self-employed individuals, or a pension statement.

3

Title to the Property

A recent land registry extract or deed of title (if you are the owner), or a registered lease agreement with the landlord’s consent.

4

Estimate or Bill of Quantities

A construction company's estimate, a bill of quantities for the work, or a purchase order for furniture and appliances.

Clarity & Transparency

Frequently Asked Questions About Home Loans

Do I need a home mortgage to apply for the loan? expand_more
No, unlike a traditional bank loan for renovations, the PRESTIVANA Home Loan is a personal loan for construction work of up to €75,000 that does not require a mortgage registration or the involvement of a notary. This allows you to eliminate notary fees and appraisal costs, reducing the disbursement time to just 48–72 hours.
Is the fixed rate of 3.00% valid for the entire term of the plan? expand_more
Yes, the TAN at 3.00% is contractually fixed and locked in from the time of the preliminary agreement for the entire term of the loan (24 to 120 months). The agreed-upon monthly payment will not change due to future fluctuations in ECB interest rates or inflation.
Am I eligible for the 50% or 65% tax deductions if I pay with this loan? expand_more
Absolutely. The funds deposited into your checking account can be used to make payments to the contractor or suppliers via a "descriptive bank transfer" for tax deduction purposes (pursuant to Article 16-bis of the TUIR for renovations, or for the eco-bonus or furniture bonus). This way, you retain your full right to IRPEF deductions over 10 years.
Can I finance both the purchase of building materials and the craftsmen's labor? expand_more
Yes. The home loan fully covers all expenses related to the project: tradespeople’s wages, fees for surveyors or architects for CILA/SCIA paperwork, construction materials, custom-made furniture, and energy-efficient major appliances.
How and when are the funds credited? expand_more
Once the documentation has been verified and the contract has been digitally signed using an OTP, the amount will be deposited directly into your bank account within 48–72 business hours, either as a lump sum or in installments based on the progress of the work, as you have chosen.
PRELIMINARY DECISION WITHIN 24 HOURS

Start transforming your home today at a fixed rate of 3%.

Our consultants specializing in home projects are here to help with a free consultation and to optimize your plan using the current government tax credits.

Request a Free Quote call Call +39 377 339 3065