Mortgage loan to build a house

APR Mixed Rate (5 years-Fixed Rate) of 4,947%.

Financing example for a Mixed Rate Mortgage (5 year Fixed Rate) with interest-only during 24 months, for a total amount of €100,000.00, a purchase price of €170,000.00 and a mortgage term of 360 months, corresponding to 24 installments paying only the interest of 357.50€ and 36 monthly repayments of €511,79. During the period between the 61st installment and the end of the contract, the installment will be reviewed every six months and calculated based on the nominal annual interest rate in force and the principal due on that date. Loan with fixed Nominal Annual Percentage Rate of 4.290%, in the first 5 years, in force in July 2025. In the following periods, the loan is indexed to Euribor for 6 months (2.050%), in force in July 2025, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 3.690%, 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 €188.496,15. Total credit cost of €88.496,15. The interest rate applied can be negative depending on the evolution of the respective index.

Financing example for two 30-year-old holders. It includes the initial expenses with life insurance for 2 holders of €328,86 (average annual value), compulsory construction home insurance €0.00 (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, 2025, in accordance with the Decree-Law no. 80-A/2022 of 25 November (amended by Law No. 1/2025, of 6 January). 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.

The UCI Mortgage Loan is a mortgage-secured loan agreement. This information does not constitute a financing offer nor does it exempt the customer from consulting the product's full conditions. Conditions applicable to Mortgage Loan contracts. If the loan is granted in foreign currency, the instalments may increase due to variations in the applicable exchange rate. APR calculated according to Decree-Law no. 74 A/2017, of 23 June. Information updated on 1 July 2025.

For more information, see UCI. Unión de Créditos Inmobiliários, S.A., Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal is a financial institution branch with head office in the European Union registered with Banco de Portugal under number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CREDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL | Banco de Portugal (bportugal.pt)) which acts in compliance with the principles of legality conferred upon it in terms of advertising and consumer information, namely by Notice no. 5/2024 of Banco de Portugal, which establishes the information and transparency duties to be observed by credit institutions and financial companies on the advertising of financial products and services.