Loans: active agreements



Astro agreements for loans with assignment of the fifth

Astro loans? Yes thanks! Among the advantages to be registered with the National Social Security and Assistance Body of Doctors and Dentists there is certainly that of being able to access subsidized loans with the transfer of the fifth. These agreements are the result of agreements and negotiations that guarantee better treatment than the financing conditions that an individual can obtain from the credit institutions listed below. Let’s see together the summary details of these conventions in order to have an overall vision.

Bank Polarie

Bank Polarie

The agreement between Astro and Bank Polarie gives rise to the Chiaro BPP offer, a personal loan that can be repaid through the assignment of one fifth of the salary. The installment is charged directly on the paycheck and there is no need to provide a reason for use; for the entire duration of the loan, the rate is blocked.

Not only that: the loan can be used without guarantors and without guarantees and can be protected against job loss. The APR for affiliated doctors varies from 6.67% to 6.83%, while the fixed Tan starts from 5.25%. For example, for a loan of 25 thousand USD, the consumer will face:

  • 120 monthly installments, each of which amounting to 283 USD and 54 cents;
  • an APR equal to 6.67%.

Bank Banare

Bank Banare

The Astro agreements are also valid with the Bank Banare, which allows all members to apply for funding directly via the Internet (just go to the Astro website by logging into the reserved area). The personal loan with repayments in installments provides for a maximum amount of 20 thousand USD, while the duration can vary from a minimum of 24 to a maximum of 60 months; in essence, the loan can be repaid in 2, 3, 4 or 5 years as needed.

Bankate Group

Bankate Group

The Astro loan with the Bankate Group bank is reserved for all members and all employees of the institution who receive fixed income for family or personal needs.

The amount cannot be less than $ 5,000 or more than $ 100,000, while the duration granted ranges from a minimum of 36 months to a maximum of 120 months.

The conditions provide for a fixed annual nominal rate of 6.21% and an APR of 6.82% for loans up to 5 years and a fixed annual nominal rate of 7.11% and an APR of 7.77% for loans up to 10 years. Insurance costs, then, are 1.08% for durations of up to 5 years and 0.60% for durations of up to 10 years, calculated on the amount of the loan.

To this must be added the preliminary costs equal to 0.15% of the loan amount. This applies to those who choose the fixed rate. For those who choose the variable rate, however, the nominal annual Euribor rate 1 month + 6.50% for up to 10 years is combined with an APR of 7.74%, with preliminary costs equal to 0.50% of the loan amount each year.

I access Spa

I access Spa

Accedo Spa is the Intesa Sanpaolo company which allows Astro members and pensioners to obtain a loan with the transfer of a fifth of their salary or pension. The amount that can be financed ranges from a minimum of 5 thousand to a maximum of 80 thousand USD, while the duration cannot be less than 2 years nor more than 10 years.

The preliminary costs are $ 450, while the APR is at least 4 points lower than the usury rate. There are no costs in the event of early repayment or collection costs of the installment and also no real guarantees are required.

For affiliated doctors enrolled in the Astro, the age limit for obtaining the loan is 66 years; it must be said, then, that it is mandatory to take out an Accedo Spa insurance policy.

Bankate

Bankate

Bankate’s Astro loans are based on collaboration with the authorized agent Club Medici Italia. The sum that can be paid can reach a maximum of 80 thousand USD; in particular, up to $ 50 thousand the amount is free of cost estimates, while up to $ 30 thousand there is no need to present income documents.

To get a loan between 50 thousand and 80 thousand USD, however, you must already be Bankate customers. Interest rates vary according to the region in which you reside.

Among the strengths of this offer, there are the possibility of skipping the installment and then repaying it at a later date and the possibility of changing its amount, as needed.

Dundes Bank

Dundes Bank

The unsecured loan that takes advantage of Dundes Bank’s Astro agreement is called db Money : it allows you to obtain up to 50 thousand USD, repayable in no more than 60 months. In particular, for the variable rate, the duration can range from a minimum of 19 to a maximum of 60 months, while for the fixed rate, the sum must be repaid in 60 months.

There is no need for any vouchers and the only condition for obtaining the money is to have a current account with this lender for no less than six months.

It must be said that the requested sum cannot be used to finance the renovation, construction or purchase of a residential property.

For pensioners and employees, the minimum amount is 20 thousand USD, but for the other categories it is only 5 thousand USD.

Conclusions

Astro loans, in essence, are opportunities made available to members of the institution, which allow you to take advantage of secure loans and at generally cheaper rates than those normally proposed; it is worthwhile, however, to evaluate the various offers of the credit institutions that benefit from agreements to identify the most advantageous ones from an economic point of view.

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