意大利银行贷款词汇英语常用词汇汇总

Introduction:

Italy is a beautiful country with a rich culture and history. The country is known for its artistic heritage, fashion industry, and delicious cuisine. However, like many other countries, Italy"s economy faces challenges, and one of the most significant challenges is the issue of bad loans. According to the Bank of Italy, the country"s bad loans stood at €174 billion as of November 2020. The high level of bad loans is a significant problem for the Italian banking sector, and it has a significant impact on the country"s economy.

To aress this issue, Italian banks have started to provide loans to individuals and businesses. However, if you are planning to take out a loan in Italy, it is essential to understand the relevant Italian banking terminology. This article provides a comprehensive list of Italian banking loan vocabulary to help you understand the terms used in the Italian banking industry.

1. Prestito personale: Personal loan

A prestito personale is a personal loan that you can take out from an Italian bank. This loan is typically unsecured, which means that you do not need to provide collateral to secure the loan. The loan can be used to finance various personal expenses, such as buying a car, paying for a vacation, or home renovations.

意大利银行贷款词汇英语常用词汇汇总

2. Mutuo: Mortgage

A mutuo is a mortgage loan that you can take out to buy a property in Italy. The loan is secured against the property, which means that if you fail to repay the loan, the bank can seize the property. The amount that you can borrow depends on the value of the property and your ability to repay the loan.

3. Cessione del quinto: Salary-backed loan

A cessione del quinto is a salary-backed loan that allows you to borrow money against your salary. The loan is repaid through a deduction from your salary, and the maximum amount that you can borrow is 20% of your net salary.

4. Fido bancario: Bank overdraft

A fido bancario is a bank overdraft that allows you to borrow money from your bank account when you have insufficient funds. The overdraft is typically granted for a short period, and the interest rate is higher than that of a personal loan.

5. Carta di credito: Credit card

意大利银行贷款词汇英语常用词汇汇总

A carta di credito is a credit card that allows you to borrow money to make purchases. The card is issued by a bank or a financial institution, and you can use it to make purchases online or in-store. The interest rate on the credit card is typically higher than that of a personal loan.

6. Garanzia: Collateral

Garanzia refers to the collateral that you provide to secure a loan. The collateral can be in the form of property, financial assets, or a personal guarantee.

7. Tasso d"interesse: Interest rate

Tasso d"interesse refers to the interest rate that you will be charged on your loan. The interest rate can be fixed or variable, and it is typically expressed as an annual percentage.

8. Durata del prestito: Loan term

Durata del prestito refers to the loan term, which is the period over which you will repay the loan. The loan term can range from a few months to several years, depending on the type of loan that you take out.

9. Piano di ammortamento: Repayment schedule

Piano di ammortamento refers to the repayment schedule, which is the plan that outlines how you will repay the loan. The repayment schedule includes the amount of each payment, the due date, and the interest rate.

10. Capitale: Principal

Capitale refers to the principal of the loan, which is the amount that you borrow. The principal is typically repaid in installments over the loan term.

11. Tasso effettivo globale annuo (TEGA): Annual Percentage Rate (APR)

Tasso effettivo globale annuo (TEGA) refers to the Annual Percentage Rate (APR), which is the total cost of the loan expressed as an annual percentage. The APR includes the interest rate, any fees associated with the loan, and any other charges.

12. Commissioni: Fees

Commissioni refers to the fees that you will be charged when you take out a loan. The fees can include application fees, processing fees, and early repayment fees.

13. Fido rotativo: Revolving credit

Fido rotativo refers to revolving credit, which is a type of credit that allows you to borrow money up to a certain limit. You can borrow and repay the money as many times as you want, as long as you do not exceed the credit limit.

Conclusion:

Taking out a loan in Italy can be a complicated process, especially if you are not familiar with the relevant banking terminology. Understanding the Italian banking loan vocabulary is essential to ensure that you make informed decisions when taking out a loan in Italy. This article provides a comprehensive list of Italian banking loan vocabulary, which will help you understand the terms used in the Italian banking industry.

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