To request a loan with PRESTIGE FINANCE EU, you must:

• Be a European citizen or resident in Europe
• Be at least 18 years old
• Hold a current account in Europe

For amounts up to €10,000, generally no additional guarantees are required.

Our process is extremely fast:

• Preliminary approval within 24 hours of receiving the complete application
• Disbursement to your account within 24 hours from final approval

In many cases, customers receive funds the same day if the complete application is submitted before noon.

Our interest rates are among the most competitive on the market:

• APR from 3% for personal loans
• APR from 3.5% for car loans
• APR from 2.8% for student loans

The effective rate depends on the type of loan, the amount, the duration and your personal credit reliability. You can use our loan calculator to get a personalized offer without commitment.

Yes, you can repay the loan at any time, in whole or in part. Early repayment provides for:

• No penalty for personal loans, in accordance with current European consumer protection regulations
• Proportional reduction of interest for the period not enjoyed
• Simple procedure via the customer portal or by contacting customer service

You can also make partial repayments to reduce the amount of monthly instalments or the duration of the loan.

In case of difficulty paying a monthly instalment:

• Contact us immediately to find a solution
• We can evaluate a personalised payment plan
• We offer the possibility to defer an instalment (maximum once a year) under certain conditions and with notice

Our goal is to help you manage your loan without stress. However, prolonged payment delays may result in late interest and reports to credit bureaus.

To access a mortgage with PRESTIGE FINANCE EU, you must meet these conditions:

• Demonstrable repayment capacity (stable income)
• Favorable credit standing (positive reporting in credit bureaus)
• Availability of own capital (generally at least 10-20% to cover ancillary expenses and part of the purchase price)
• The property must comply with legal requirements and be valued
• Conclusion of life insurance to cover the risk

I nostri consulenti immobiliari analizzeranno la tua situazione finanziaria completa per offrirti le migliori condizioni, personalizzate sul tuo profilo e sulla tua capacità di credito, con tassi competitivi.

With PRESTIGE FINANCE EU we finance different types of properties:

• Residential properties for residential use (apartments, houses)
• Second homes or holiday properties
• Commercial properties and offices
• Buildable land (with approved project)
• Rental properties as investment

We generally finance up to 80-90% of the purchase price (excluding ancillary expenses) for a primary residence and up to 60-70% for a secondary residence or investment. All properties must be located in Europe and comply with current building regulations.

Yes, we offer mortgage refinancing and substitution services with excellent benefits:

• Improvement of interest rate conditions
• Ability to adapt the duration of financing
• Option to obtain additional liquidity for renovations or other needs
• Potential reduction of costs and insurance
• Simplified process with dedicated support

Our specialized team will analyze your current mortgage and prepare a free feasibility study to assess whether a renegotiation or refinancing would be advantageous in your case. Our customers often achieve significant savings on the total cost of their mortgage.

We determine your investor profile through a comprehensive analysis that considers:

• Your personal risk tolerance (conservative, balanced, dynamic, speculative)
• Your investment time horizon (short, medium or long term)
• Your specific financial objectives (growth, income, capital preservation)
• Your experience and knowledge in the field of investments
• Your overall financial situation

This analysis is carried out through a detailed questionnaire and personal interviews with our certified financial advisors. The result determines the investment strategy best suited to you and ensures that every recommendation is aligned with your personal profile.

The relationship between return and risk is fundamental to understanding any investment:

• Return: It is the gain (or loss) resulting from an investment, usually expressed as a percentage of the invested capital.
• Risk: It is the possibility that actual results differ from expectations, including the possibility of losing some or all of the invested capital.

There is a general correlation between these two concepts: a higher return potential is often associated with a higher level of risk. For example:

• Low-risk investments (savings accounts, money market funds): They offer more moderate returns but greater capital safety.
• Medium-risk investments (corporate bonds, rental properties): They offer a balance between return potential and protection.
• High-risk investments (stocks, some specialised funds): They can offer high returns, but with greater volatility and a more significant risk of capital loss.

With PRESTIGE FINANCE EU we develop diversified portfolios that optimize this ratio based on your personal risk profile.