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Make your dreams come true with a Widiba mortgage

Do it all online, with your mortgage specialist

Calculate the instalment

Advertising message for promotional purposes. Example for illustrative purposes: loan amount requested 100,000€, to be repaid in 240 instalments (€598,11 each), fixed effective APR 4.13%, total amount owed by the consumer €143.888,97. Effective APR calculated based on a nominal APR of 3.85% for a 20-year loan; cost of inquiries equal to €700; cost of consultancy fees equal to €300; compulsory fire and explosion insurance expenses to protect the mortgaged property; substitute tax envisaged for the purchase of a first home equal to 0.25% of the funded capital. The cost of the compulsory fire and explosion policy, equal to €490, has been estimated based on the AXA MPS Fire and Explosion-Widiba insurance policy, distributed by the Bank. In addition to the effective APR, there may be other costs such as notary and registration fees, as well as any penalties. For variable rate loans, the effective APR is merely indicative as it can change based on variations in the indexing parameter. For all conditions relating to the products, please refer to the Info Factsheets and the pre-contractual policy statement available in the Transparency section of the website widiba.it

pbnw_mutui_cerchio_doro_alt-text pbnw_mutui_abi_alt-text

The first mortgage that is 100% online, 100% paperless

  • Custom quote in a few easy steps

  • A mortgage specialist at your side, from the quote stage through to signing

  • A special section where you can keep your mortgage under control at all times

  • Uploading all documents online

  • Digital signature of the mortgage application

You have already found your new home

  • Enter the value of your future first or second home

  • Create your custom quote

  • Choose between the certainty of a fixed rate and the flexibility of a floating rate

  • Amend, change, compare instalments of different durations

  • Choose the purchase solution that suits you

  • Enter your data and you will be contacted instantly

What do you ask us most often Guide to the mortgage

Calculate the instalment

You have a mortgage that you want to transfer

  • Apply now for a quote and find out how much you can save

  • Enter the remaining mortgage amount

  • Change and customise the duration

  • Choose the instalment that best suits your needs, with a fixed or floating interest rate

  • apply now to transfer your mortgage: we'll see to everything, even the costs

What do you ask us most often

Calculate the instalment

Advertising message for promotional purposes. Example for illustrative purposes for portability: loan amount requested 100,000€, to be repaid in 240 instalments (€539,21 each), fixed effective APR 2.72%, total amount owed by the consumer €129.657,89. Effective APR calculated based on a nominal APR of 2.69% for a 20-year loan; zero cost of inquiries; zero cost consultancy fees; compulsory fire and explosion insurance expenses to protect the mortgaged property. For variable rate loans, the effective APR is merely indicative as it can change based on variations in the indexing parameter. For all conditions relating to the products, please refer to the Info Factsheets and the pre-contractual policy statement available in the Transparency section of the website widiba.it

You have not yet found your new home

  • Get an idea of the mortgage you could apply for

  • Enter your average monthly paycheque

  • Discover the house you can afford to buy even before finding it

  • Compare the instalments for different durations and choose the one that is most suitable for you!

  • A Widiba mortgage specialist will contact you to explain all the advantages

What do you ask us most often

Calculate the instalment

Clarity comes as no surprise

Mortgage

Mortgage conditions

Portability

Portability conditions

Details of conditions fixed rate Details of conditions floating rate Glossary
Details of conditions fixed rate Details of conditions floating rate Glossary
Details of current account conditions What do you ask us most often

Advertising message for promotional purposes. For all the conditions relating to the products and services advertised, please refer to the Info Factsheets and General Regulations available in the Transparency section of the website bancawidiba.it (https://www.widiba.it/banca/online/it/trasparenza).

Bank investigation costs

700 €

Technical evaluation expenses

300 €

Instalment collection expenses

Paid by the Bank

Explosion and fire policy

Mandatory and at the expense of the customer, who can freely choose whether to take out a Fire and Explosion – Widiba insurance policy or the policy of another insurance company, provided that it has the minimum contents required by the Bank and indicated in the “Combinable Products” section of the documents detailing the mortgage conditions.

Early payback

No penalty

Investigation fees

Paid by the Bank

Technical evaluation expenses

Paid by the Bank

Instalment collection expenses

Paid by the Bank

Notary expenses

Paid by the Bank

Explosion and fire policy

Mandatory and at the expense of the customer, who can freely choose whether to take out a Fire and Explosion – Widiba insurance policy or transfer an old property protection policy taken out with another insurance company, provided that it has the minimum contents required by the Bank and indicated in the “Combinable Products” section of the documents detailing the mortgage conditions.

Substitute tax

Not included

Early payback

No penalty

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Calculate the instalment