LABA Florence provides students with a variety of financing solutions to facilitate access to educational pathways, thanks to collaborations with banking institutions and specialized partners. The opportunities available make it possible to deal more sustainably with the costs associated with tuition, educational materials and study requirements.
Intesa San Paolo - For Merit
This is the loan designed to support young people who want to invest in their education. With "per Merito," you can get up to 50,000 euros without the need to provide asset guarantees, thus accessing concrete support to meet the costs of university, master's or postgraduate courses.
Upon completion of studies, there is a bridge period during which repayment of the amounts used is not required, thus providing the opportunity to focus on starting a professional career.
Key Features
- Minimum amount starting from €5,000.00
- Maximum amount up to €70,000.00
- Duration: 6 to 10 years with the option to defer repayment of principal from 12 to 36 months after disbursement (Pre-amortization)
- Disbursement: in a lump sum
- Investigation fee: free of charge
- Guarantees: for younger students, co-ownership with a parent/family member residing in Italy or other guarantee deemed suitable by the Bank is provided.
The loan is fully managed by BNL BNP Paribas. The granting of the loan is subject to the Bank’s approval. Advertising message with promotional purpose. For all information and contractual and economic conditions refer to the Transparency documentation on the BNL.it website.
BNL - FUTURIAMO
Thanks to a partnership with BNL BNP Paribas, to take the first- and second-level courses at the Libera Accademia di Belle Arti in Florence, you can apply for the BNL FUTURIAMO loan, dedicated to students and their families to support their investment in their education and future.
The BNL FUTURIAMO loan allows you to meet the financial commitment necessary to face the course of study, financing expenses related to tuition, the purchase of textbooks, accommodation for off-campus students and the purchase of a PC.
Key Features
Minimum amount: from € 2,000.00
Maximum amount: up to € 50,000.00 (depending on the type of course)
Duration: up to 30 years, with the possibility of taking advantage of a bridging period 6 to 24 months upon completion of studies, during which repayment of principal is not required
Disbursement: in semi-annual or annual tranches (the first after 3 days of account opening)
Opening fees: free of charge
Guarantees: No asset guarantees are required; it is sufficient to be over 18 years of age, resident in Italy and in good standing with registration
Main requirements:
– First year AFAM → if the high school graduation grade is ≥ 85/100, the tranche is disbursed immediately; if < 85/100, the first tranche will be granted only after taking at least80% of the examsscheduled or achieved 20 CFAS. In this case, the amount will be double.
– Later years → one must have sustained the80% of the examinations o achieved 20 CFA In the previous six months.
Advertising message with promotional purpose. “for Merit” is a credit product dedicated to students attending Universities in Italy and abroad, or Postgraduate Training Institutions. For contract terms and conditions consult the Information Sheets available in branches and on the bank’s website. For more information ask your branch manager or go to the tab dedicated to per Merito at www.intesasanpaolo.com in the youth section.
This course can be financed through a student loan with a state guarantee, accessible with a minimum graduation grade of 75/100 for three-year courses or minimum graduation grade of 100/110 for specialized/master's courses, with no need for a payroll. Repayment is expected from 30 months after disbursement of the last installment. An amount from €3,000 to €5,000 per year can be applied for multi-year courses, which can be used flexibly and not only for the tuition fee. LABA partners with Habacus, which supports students in comparing available solutions and the loan application process.