APR Mixed Rate (5 years-Fixed Rate) of 4,887%.
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 €482,62 and 300 monthly repayments of €462,74. Loan with fixed Nominal Annual Percentage Rate of 4.090%, 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 €186.794,98. Total credit cost of €86.794,98. 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 €174,09 (average annual value), 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, 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.
APR Mixed Rate (10 years-Fixed Rate) of 4,990%.
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 €488,43 and 240 monthly repayments of €457,39. Loan with fixed Nominal Annual Percentage Rate of 4.190%, in the first 10 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 1.390%, resulting in a variable Nominal Annual Percentage Rate of 3,440%, 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 €188.920,05. Total credit cost of €88.920,05. 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 €175,15 (average annual value), 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, 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.