APR Mixed Rate (5 years-Fixed Rate) of 5,536%.
Financing example for a Mixed Rate Mortgage (5 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 60 monthly repayments of €494,28 and 300 monthly repayments of €550,15. Loan with fixed Nominal Annual Percentage Rate of 4.290%, in the first 5 years, in force in July 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.715%), in force in July 2024, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 5.355%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €202.269,21. Total credit cost of €102.269,21.
Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).
*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.
APR Mixed Rate (10 years-Fixed Rate) of 5,183%.
Financing example for a Mixed Rate Mortgage (10 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 120 monthly repayments of €500,17 and 240 monthly repayments of €526,91. Loan with fixed Nominal Annual Percentage Rate of 4.390%, in the first 10 years, in force in July 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.715%), in force in July 2024, plus a spread of 1.290%, resulting in a variable Nominal Annual Percentage Rate of 5.005%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €194.047,03. Total credit cost of €94.047,03.
Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).
*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.
APR Mixed Rate (15 years-Fixed Rate) of 5,031%.
Financing example for a Mixed Rate Mortgage (15 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 180 monthly repayments of €500,17 and 180 monthly repayments of €514,19. Loan with fixed Nominal Annual Percentage Rate of 4.390%, in the first 15 years, in force in July 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.715%), in force in July 2024, plus a spread of 1.090%, resulting in a variable Nominal Annual Percentage Rate of 4,805%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €190.153,67. Total credit cost of €90.153,67.
Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).
*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.