Example of financing for the Variable Rate Mortgage Loan product with a total amount of €100,000.00, for a purchase value of €130,000.00, over a term of 360 months corresponding to 360 installments of €492.17 each. Loan indexed to the 6-month Euribor (2.614%), effective in February 2025, plus a spread of 1.640%, resulting in a variable Annual Nominal Rate (TAN) of 4.254% rounded to three decimal places. Early repayment fee of 0.5% on the repaid capital (plus stamp duty)*. Total amount payable by the consumer of €191,130.27. Total credit cost of €91,130.27.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €235.13 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
* Fee suspended until December 31, 2024, as per Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to mortgage loan contracts for the purchase or construction of a primary residence, covered by Decree-Law No. 74-A/2017, of June 23, regardless of the outstanding loan amount, provided that the early repayment occurs during a variable rate period.
Example of financing for the Mixed Rate Mortgage Loan (Fixed Rate 5 Years) product, with a total amount of €100,000.00, for a purchase value of €130,000.00, over a period of 360 months, corresponding to 60 monthly installments of €494.28 and 300 monthly installments of €492.45. Loan with a fixed TAN of 4.290% for the first 5 years, effective in February 2025. In subsequent periods, the loan is indexed to the 6-month Euribor (2.614%), effective in February 2025, plus a spread of 1.640%, resulting in a variable TAN of 4.254%, rounded to three decimal places. Early repayment fee of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty). Total amount payable by the consumer: €191,904.62. Total credit cost: €91,904.62.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €235.62 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
* Fee suspended until December 31, 2024, as per Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to mortgage loan contracts for the purchase or construction of a primary residence, covered by Decree-Law No. 74-A/2017, of June 23, regardless of the outstanding loan amount, provided that the early repayment occurs during a variable rate period.
Example of financing for the Mixed Rate Mortgage Loan (Fixed Rate 10 Years) product, with a total amount of €100,000.00, for a purchase value of €130,000.00, over a period of 360 months, corresponding to 120 installments of €500.17 and 240 installments of €479.59. Loan with a fixed TAN of 4.390% during the first 10 years, effective in February 2025. In subsequent periods, the loan is indexed to the 6-month Euribor (2.614%), effective in February 2025, plus a spread of 1.290%, resulting in a variable TAN of 3.904%, rounded to three decimal places. Early repayment fee of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty). Total amount payable by the consumer: €194,064.18. Total credit cost: €94,064.18.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €236.97 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
* Fee suspended until December 31, 2024, as per Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to mortgage loan contracts for the purchase or construction of a primary residence, covered by Decree-Law No. 74-A/2017, of June 23, regardless of the outstanding loan amount, provided that the early repayment occurs during a variable rate period.
Example of financing for the Mixed Rate Mortgage Loan (Fixed Rate 15 Years) product, with a total amount of €100,000.00, for a purchase value of €130,000.00, over a period of 360 months, corresponding to 180 installments of €500.17 and 180 installments of €477.49. Loan with a fixed TAN of 4.390% during the first 15 years, effective in February 2025. In subsequent periods, the loan is indexed to the 6-month Euribor (2.614%), effective in February 2025, plus a spread of 1.090%, resulting in a variable TAN of 3.704%, rounded to three decimal places. Early repayment fee of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty). Total amount payable by the consumer: €194,064.18. Total credit cost: €94,064.18.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €236.97 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
* Fee suspended until December 31, 2024, as per Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to mortgage loan contracts for the purchase or construction of a primary residence, covered by Decree-Law No. 74-A/2017, of June 23, regardless of the outstanding loan amount, provided that the early repayment occurs during a variable rate period.
Example of financing for the Fixed Rate Mortgage Loan 10 Years product, with a total amount of €100,000.00, for a purchase value of €130,000.00, over a period of 120 months, corresponding to 120 installments of €1,031.09. Loan with a fixed TAN of 4.390%, effective in February 2025. Early repayment fee of 2% on the repaid capital (plus stamp duty). Total amount payable by the consumer: €128,447.29. Total credit cost: €28,447.29.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €86.38 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
Example of financing for the Fixed Rate Mortgage Loan 15 Years product, with a total amount of €100,000.00, for a purchase value of €130,000.00, over a period of 180 months, corresponding to 180 installments of €759.38. Loan with a fixed TAN of 4.390%, effective in February 2025. Early repayment fee of 2% on the repaid capital (plus stamp duty). Total amount payable by the consumer: €142,917.19. Total credit cost: €42,917.19.
Example of financing for 2 borrowers aged 30. Includes costs for life insurance for 2 borrowers of €107.68 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), contract document preparation fee of €416.00 (including stamp duty), property appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), legal processing service of €389.48 (including VAT).
The UCI Mortgage Loan is a credit agreement secured by a mortgage. This information does not constitute a financial offer and does not exempt the consultation of the full product conditions. Conditions apply to contracts signed under the mortgage loan regime. If the loan is granted in a foreign currency, the installments may increase due to exchange rate fluctuations. The TAEG is calculated in accordance with Decree-Law No. 74-A/2017, of June 23. Information updated as of February 1, 2025.
For more details, consult UCI – Unión de Créditos Inmobiliarios, S.A., a Financial Credit Establishment (Sociedad Unipersonal) – Portugal Branch, registered with the Bank of Portugal under No. 403 (Banco de Portugal). UCI complies with Notice No. 10/2008 of the Bank of Portugal, which establishes the information and transparency duties that credit institutions and financial companies must observe in the advertising of financial products and services.
