Il credito al consumo

Translated title of the contribution: [Autom. eng. transl.] Consumer credit

Research output: Chapter in Book/Report/Conference proceedingChapter


[Autom. eng. transl.] The consumer credit sector is really vast. And the very wide and diversified offer. The first thing to do is to understand the specific need, which must be addressed individually and in depth. For the most important projects, with significant financing needs and longer durations, there are traditional personal loans or, in the case of employees and retirees, also loans with salary or pension transfer, which allow the installment to be withdrawn directly from salary or pension. "For small projects, on the other hand, with limited amounts and limited durations there are forms of financing regulated directly on the credit card, characterized by simplicity and rapidity of delivery - comments Francesco Germini, Credem's private marketing manager -. For example, it is possible to automatically pay in installments every small expense made with the credit card in monthly installments. The loans connected to the credit card satisfy simpler needs and small amounts, for example for the purchase of household appliances, holidays or university fees. These types have repayment durations within 48 months, with very rapid payment times. As far as we are concerned, in a few weeks we will launch a new service that will allow access to these forms of financing directly on our internet banking ». In the event that the consumer has to sustain a higher expense, such as for the renewal of the furniture or for the purchase of a car, there is the possibility of accessing the classic personal loan which allows the repayment to be extended over a longer period guaranteeing a sustainable installment and raising for the entire duration of the loan. "For pensioners and employees it is also possible to take out a salary or pension assignment, which allows a repayment delay of up to 120 months, with a life insurance policy to cover the debt in the event of death, the cost of which in the our case is entirely supported by the bank », adds Germini.
Translated title of the contribution[Autom. eng. transl.] Consumer credit
Original languageItalian
Title of host publicationYoung Factor terza edizione
Number of pages16
Publication statusPublished - 2016


  • cessione del quinto
  • credito al consumo


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