Financing

"Per Merito" accompanies you during your studies and is divided into three phases:

• “During your studies”: if you meet the requirements required by the bank, you will be able to open a current account and you will be provided with sums in several installments, which will be used to cover MIB Trieste fees.
• “At the end of your studies”: you can concentrate on finding a job before starting to repay the sums used. You will in fact be entitled to a bridging period (1 month): in this phase you will not receive further tranches and you will not have to return anything yet. Only interest on the sums used will continue to accrue. However, you can choose not to benefit from the bridging period and start repaying immediately at the end of your studies.
• "After the bridge period": you will have to return the sums used and the interest accrued to the bank, choosing the repayment method: in a single solution or through the provision of a personal loan at advantageous conditions Maximum amount that can be financed: € 20,000 Subsidized rate Without guarantees Bridge period (without refund): 1 month from graduation Repayable in 8 years (with personal loan).

 

Requirements

To access the Loan Per Merit, you must be enrolled and admitted to the Master in Insurance & Risk Management class.

All information can be found on the Prestito Per Merito website.

MIB Trieste School of Management has recently signed the "Unicredit ad honorem" convention with Unicredit, for access to honor loans for students enrolled in the MBA in International Business.

• Maximum financing amount: € 25,000
• Facilitated rate
• Without guarantees
• Bridge period (without refund) max. 24 months
• Repayable in 15 years

What are the main features?

UniCredit Ad honorem is a current account credit facility amounting to a maximum of € 25,000, disbursed during the period of study. At the end of this period, the amount of money used will represent, together with the interest accrued, the amount that will be transformed into a personal loan (in the event that the necessary amounts are available, it will always be possible to simply close the loan).

It will also be possible to decide whether to immediately initiate payment of installments, or to request a further extension of up to 2 years (c.d. grace period) before starting to repay the loan, during which no interest will accrue.

The installment repayment provides for a repayment within 180 months, at a fixed rate.

Details are also available on the Unicredit - Loan Ad Honorem page