You can apply only if you are of legal age and a resident in Italy. If you are a foreign student, a residence permit is not sufficient; you must have your official residency in an Italian municipality.
Intesa Sanpaolo “Per Merito” Financing”
Thanks to our partnership with Intesa Sanpaolo, students enrolled in the Bachelor’s Degree in Digital Management can apply for the “Per Merito” student loan to help cover tuition fees throughout their studies.
The “Per Merito” loan offers favorable financial conditions designed around students’ needs. Repayment begins one year after graduation, and no collateral or personal guarantee is required, as H-FARM guarantees each student’s academic success.
FULLY FINANCE THE ENTIRE TUITION FEE
Use the loan to cover the full tuition fee for the Bachelor’s Degree in Digital Management.
H-FARM COLLEGE AS YOUR GUARANTOR
No guarantee from your family is required. The loan will be in your name, with H-FARM College acting as guarantor.
START REPAYING THE LOAN AFTER ONE YEAR
After completing your studies, you will have 12 months to find a job. After this period, you will start repaying the loan according to the terms agreed with the bank.
CONDITIONS OF THE FINANCING
Open a “Per Merito” current account at the Intesa Sanpaolo branch selected during your loan application. Interest rates and repayment terms are agreed directly with Intesa Sanpaolo.
Write to admission.edu@h-farm.com for more information.
What do I need to do to apply for “Per Merito” financing?
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Enroll in the Bachelor’s Degree by completing the procedure outlined in the admission notice and paying the first installment.
Contact admission.edu@h-farm.edu to obtain the credentials necessary to initiate the request.
After 14 days from enrollment, start the loan application on the Intesa Sanpaolo website in the “Per Merito” section. Indicate H-FARM as the reference institution and use the code provided to you.
Choose the type of loan – Ordinary category (covering the full tuition fee) or facilitated category (covering a partial tuition fee if a scholarship is awarded).
H-FARM College will proceed with the loan approval. You will receive an authorization code from Intesa Sanpaolo, at which point you can make an appointment at any Intesa Sanpaolo branch to complete all the necessary procedures.
Financable Amount
The maximum loan amount available varies depending on the tuition fee applicable to the student.
- Students subject to the full tuition fee of €8,538.00, excluding the regional study rights tax (the amount of which will be communicated in the coming weeks) and any applicable €16.00 stamp duty, with no distinction between Italian/EU and non-EU students, may apply for a maximum loan amount of €24,000.
- Students with an ISEE below €30,000 (up to €25,000) who qualify for a reduced tuition fee may apply for a maximum loan amount of €4,800.
- Students in the minimum tuition fee bracket (ISEE below €25,000) are not eligible to apply for the loan.
The disbursement occurs in multiple installments following the verification of the required criteria as follows:
- YEAR OF COURSE
- REQUIREMENTS
- 1st Year
- Enrollment completed
- 2nd Year
- At the beginning of the second year, obtained at least 48 CFUs
- 3rd Year
- At the beginning of the third year, obtained at least 114 CFUs
F.A.Q. “Per Merito”
Who can apply for the financing?
When will I receive the credentials to start the request?
Once you have completed the enrollment in the Bachelor’s Degree by following the procedure outlined in the admission notice and paying the first installment, you need to contact the Admission Team at admission.edu@h-farm.com to obtain the necessary credentials to initiate the request.
Where can I find the credentials to start the request?
You will find the required credentials to start the request in the confirmation email you receive from admission.edu@h-farm.com
When can I apply for the financing?
After receiving the credentials from admission.edu@h-farm.com, you can initiate the financing request by completing the online procedure on the Intesa Sanpaolo website, indicating H-FARM as the reference institution and stating the name of the course you are enrolled in.
Make sure to verify that Banca Intesa Sanpaolo applies the conditions agreed upon in the convention with H-FARM.
What happens if my financing request is not granted?
The chances of the request being denied are close to zero. Banca Intesa Sanpaolo only denies the loan if you are already in a default situation.
When do I have to start repaying the financing?
You will start repaying the loan after a grace period of 12 months from the end of your studies, according to the agreed-upon terms at the bank branch.
Whom can I contact for more information about the loan?
For doubts or questions about the financing, you can contact one of the Banca Intesa Sanpaolo branches or consult the following page: Intesa Sanpaolo “Per Merito.”
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