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Italian Phrase

Dipende dal tipo di prestito.

/diˈpɛnde dal ˈti.po di preˈsti.to/
Meaning"It depends on the type of loan."
💡

Meaning

Literally ‘It depends on the type of loan.’ The speaker is saying that the answer or outcome varies according to which kind of loan is being discussed – e.g., personal loan, mortgage, student loan, etc.

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When to use

Use this sentence when you are comparing loan products, explaining why interest rates differ, or answering a question about eligibility. It works in both formal (bank advisor) and informal (friend) contexts.

✦Grammar Breakdown

Dipendedaltipodiprestito

1

Dipende

Third‑person singular present of the verb *dipendere* (to depend). It is often used impersonally, like ‘it depends…’.

2

dal = da + il

The preposition *da* (from) contracts with the masculine singular article *il* to form *dal* (from the).

3

di + noun

*di* introduces a complement of specification, here ‘type of loan’.

4

tipo di + noun

A common construction meaning ‘type/kind of …’. The noun after *di* stays in the singular.

🗨In Conversation

A

Qual è il tasso d’interesse più basso?

What is the lowest interest rate?

Dipende dal tipo di prestito.

It depends on the type of loan.

B

✕Common Mistakes

  • Dipende da il tipo di prestito.

    In Italian *da* + *il* contracts to *dal*; using the two separate words sounds ungrammatical.

  • Dipende dal tipo di prestiti.

    After *tipo di* the noun stays singular; the plural *prestiti* changes the meaning.

  • Dipende su il tipo di prestito.

    The verb *dipendere* takes the preposition *da*, not *su*.

↔Alternatives

  • Dipende dal tipo di mutuo.

    It depends on the type of mortgage.

  • Dipende dal tipo di finanziamento.

    It depends on the type of financing.

  • Dipende dal tipo di credito.

    It depends on the type of credit.

it

Cultural Tip

In Italy, loan contracts are often categorized by *mutuo* (mortgage), *prestito personale* (personal loan), *finanziamento* (financing for a specific purchase) and *credito revolving* (revolving credit). When you say *dipende dal tipo di prestito*, native speakers will usually ask you to specify the category because each has its own interest‑rate rules, guarantees, and tax implications.