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Working Mom

Support for parents in the first years of a child’s life and an opportunity for mothers and fathers to balance work and family life.

Learn about Working Mom affordable consumer loan

Affordable loan

No origination fee or loan insurance fee & a favourable interest rate.

Interest free

The loan is interest-free during the drawing period.

Without paperwork

No additional documentation required for our clients.

mama in otrok

New offer


Intesa Sanpaolo Bank, on the occasion of this year’s International Day for the Elimination of Violence Against Women, launched a new consumer loan – Working Mom. The aim is to empower women, mothers in particular, and help them achieve financial independence and facilitate balancing work and family life. Fathers can also apply for the loan.

Loan applications can be submitted from 1 December 2022 onwards.
 

The main features of the loan

The Working Mom consumer loan is intended for the payment of eligible childcare costs (public or private kindergarten, organised childcare). It is divided into two stages:

  • Drawing – from 12 to 60 months and 
  • Repayment – over 12 to 107 months.


Drawing stage: If you meet the loan conditions and have a transaction account opened with Intesa Sanpaolo Bank d.d. to which your regular monthly income is credited, you are eligible for a loan that you can draw from 12 to a maximum of 60 months. 
The maximum drawing period depends on the age of the child, which must not exceed 36 months on the day the loan agreement is concluded. 
You will be able to draw the loan every 6 months (a visit to the branch is required). Funds will be credited to your transaction account upon each drawing.  
The amount of the loan depends on the childcare costs that you pay (public or private kindergarten, organised childcare), your creditworthiness and the loan drawing and repayment period.  
The maximum loan amount is EUR 15,000 and the minimum is EUR 300.
Read more in the section “Terms of drawing”.

Repayment stage: The repayment period depends on the drawing period and is 107 months maximum. The repayment stage starts at the latest in the year when the child turns 6 (or earlier).
 

Loan eligibility criteria

A mother or a father who has reached the minimum age of 18 on the day the loan is taken out is eligible for the loan if:

  • they have a child who is not younger than 11 months or older than 36 months on the day the loan is taken out and is enrolled in a public or private kindergarten or organised childcare;
  • they have been employed for at least 6 months;
  • they are a citizen of the European Monetary Union;
  • they have a transaction account opened with Intesa Sanpaolo Bank d.d. to which they receive regular monthly income;
  • only one of the parents or custodians can take out the loan.
     

Required documentation

The following documentation should be attached:

  • identity card and bank card;
  • employer’s certificate of employment status or employment contract, which shows that the applicant has been employed for at least 6 months;
  • sole proprietors: the most recent balance sheet or prepayment of income tax for persons liable for income tax at a flat rate;
  • declaration of the child’s age (available at the Bank); 
  • the latest (universal) payment order for payment of kindergarten or organised care or a contract indicating the amount of monthly childcare payment; 
  • other documentation for determining creditworthiness (payslips or additional documentation, if necessary);
  • any other documentation to verify loan eligibility (e.g. child’s identity card, birth certificate). 
     

Terms of drawing

  • Proof that you are still employed (e.g. payslip or employment contract) must be submitted each time you draw the loan. If you are not employed or have not submitted proof of employment, the loan will not be drawn and will be immediately transferred to the repayment stage the following month. Proof must be delivered at least 10 days prior to the end of the month in which individual drawing is planned.
  • The loan can be drawn from the time the child is 11 months old up to the year when the child turns 6.
  • The funds will be credited to the borrower’s transaction account.
  • The funds cannot be used to repay existing loans at Intesa Sanpaolo Bank d.d. or any other bank, nor for any purpose other than specified.
  • The loan is drawn every 6 months, from and including the month in which it is taken out until the end of the drawing period. The borrower may draw the loan at least 3 times and no more than 11 times.
     
Loan example

The customer wants to take out a loan on 25 November 2022. 
The child was born on 5 March 2020. 
The child is 32 months old in November 2022. 
Kindergarten costs amount to EUR 250 per month. 

The customer is entitled to draw the loan for a maximum of 48 months, because the child will turn 6 in March 2026. Within these 48 months, the loan can only be drawn every 6 months, including the month in which the loan agreement was concluded. This means that the customer can draw the loan a maximum of 9 times. 

The maximum amount of the loan available to the customer (assuming that the customer is creditworthy for the stated amount) is tied to the monthly kindergarten cost and amounts to EUR 12,000. The individual amount drawn is EUR 1,333. 
The last date on which the loan can be drawn is November 2026 (the year the child turns 6). 
The loan is transferred to the repayment stage in December 2026 (if it was last drawn in November 2026). 
Since the loan was drawn over 48 months, the maximum repayment period is 71 months.
 

consumer loan

How to get the Working Mom consumer loan?

Please contact your bank advisor for more information.
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The Working Mom consumer loan is only available to our clients. Check why Intesa Sanpaolo Bank is the right choice for you!

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