Credit Lombard di Fineco: come funziona? Posso andarci a leva?
Paolo Coletti · 9,816 words · 49 min read · EN

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Wouldn't you like to have some extra money to spend and expand, or to make leveraged investments? Well, I don't know if it's really a good idea to take out some extra money in debt and spend it, expand it. In this video we will address the Lombard credit. I had already made one several years ago. This is the
revised, corrected, rearranged and also expanded version. We do Credit Lombard because we saw in a live where I comment on portfolios, one of you showed us his portfolio, now if I remember correctly he had one million euros of his own money invested and he used the so-called Credit Lombard, that is, he put those
1 million euro investments as collateral and asked for a price of €600,000, therefore bringing his total assets to 1.ion. But 600,000 were in debt. Of that 600,000, he invested 300,000 and kept 300,000 in cash in the account for small expenses. Now we all said to ourselves, 1 million is not enough for him,
he has to invest 1 million or 3. Then you yourselves pointed out to me that he was n't paying interest on that 300,000 that he kept in liquid form . I was intrigued, so I did some research, and so here's a video about the Lombard credit line, sponsored directly by Fineco. But we sell at
the beginning. What is a credit lombard? Cred Lombard is a form of credit, meaning they give you the option of going into negative territory on your current account, so it's a real credit line, even if I occasionally make a mistake and call it a loan, it's a credit line, and to guarantee this
credit line you have to pledge your financial assets, some of your financial assets with Fineco, you can even decide which ones. Typically, the disbursement is 60% of the value of the financial assets you pledge. Those financial assets are pledged, so you have the right to go into the red. Very interesting things are
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