Example of financing under the Variable Rate Mortgage product with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 360 months, resulting in 360 monthly payments of €493.23 each. The loan is indexed to the 6-month Euribor (2.632%) effective in January 2025, plus a spread of 1.640%, resulting in a variable Nominal Annual Rate (NAR) of 4.272%, rounded to three decimal places. An early repayment fee (partial or full) of 0.5% of the repaid capital applies (plus stamp duty)*. Total amount payable by the consumer: €191,517.24. Total cost of credit: €91,517.24.
Example financing for two borrowers aged 30: Includes life insurance costs for both borrowers averaging €235.37 annually, mandatory multi-risk insurance of €152.05 annually, an opening fee of €312.00 (including stamp duty), a documentation preparation fee of €416.00 (including stamp duty), an 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), and a solicitor service fee of €389.48 (including VAT).
Example of financing under the Mixed Rate Mortgage product (5-year fixed rate) with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 360 months, resulting in 60 monthly payments of €494.28 each, followed by 300 payments of €493.37 each. The loan has a fixed Nominal Annual Rate (NAR) of 4.290% during the first 5 years, effective in January 2025. Afterward, the loan is indexed to the 6-month Euribor (2.632%) effective in January 2025, plus a spread of 1.640%, resulting in a variable NAR of 4.272%, rounded to three decimal places. Early repayment fee (partial or full) of 2% of the repaid capital applies during fixed-rate periods, and 0.5% during variable-rate periods (plus stamp duty)*. Total amount payable by the consumer: €191,904.62. Total cost of credit: €91,904.62.
Example financing for two borrowers aged 30: Includes life insurance costs for both borrowers averaging €235.62 annually, mandatory multi-risk insurance of €152.05 annually, and the same fees as the Variable APR example above.
Example of financing under the Mixed Rate Mortgage product (10-year fixed rate) with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 360 months, resulting in 120 monthly payments of €500.17 each, followed by 240 payments of €480.34 each. The loan has a fixed Nominal Annual Rate (NAR) of 4.390% during the first 10 years, effective in January 2025. Afterward, the loan is indexed to the 6-month Euribor (2.632%) effective in January 2025, plus a spread of 1.290%, resulting in a variable NAR of 3.922%, rounded to three decimal places. Early repayment fee (partial or full) of 2% of the repaid capital applies during fixed-rate periods, and 0.5% during variable-rate periods (plus stamp duty)*. Total amount payable by the consumer: €194,064.18. Total cost of credit: €94,064.18.
Example financing for two borrowers aged 30: Includes life insurance costs for both borrowers averaging €236.97 annually, mandatory multi-risk insurance of €152.05 annually, and the same fees as above.
Example of financing under the Mixed Rate Mortgage product (15-year fixed rate) with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 360 months, resulting in 180 monthly payments of €500.17 each, followed by 180 payments of €478.07 each. The loan has a fixed Nominal Annual Rate (NAR) of 4.390% during the first 15 years, effective in January 2025. Afterward, the loan is indexed to the 6-month Euribor (2.632%) effective in January 2025, plus a spread of 1.090%, resulting in a variable NAR of 3.722%, rounded to three decimal places. Early repayment fee (partial or full) of 2% of the repaid capital applies during fixed-rate periods, and 0.5% during variable-rate periods (plus stamp duty)*. Total amount payable by the consumer: €194,064.18. Total cost of credit: €94,064.18.
Example of financing under the Fixed Rate Mortgage product (10 years) with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 120 months, resulting in 120 monthly payments of €1,031.09 each. The loan has a fixed Nominal Annual Rate (NAR) of 4.390%, effective in January 2025. Early repayment fee (partial or full) of 2% of the repaid capital applies (plus stamp duty)*. Total amount payable by the consumer: €128,447.29. Total cost of credit: €28,447.29.
Example of financing under the Fixed Rate Mortgage product (15 years) with a total loan amount of €100,000, for a purchase price of €130,000, over a term of 180 months, resulting in 180 monthly payments of €759.38 each. The loan has a fixed Nominal Annual Rate (NAR) of 4.390%, effective in January 2025. Early repayment fee (partial or full) of 2% of the repaid capital applies (plus stamp duty)*. Total amount payable by the consumer: €142,917.19. Total cost of credit: €42,917.19.
The UCI Home Loan is a credit agreement secured by a mortgage. This information does not constitute a financial offer and does not replace the need to consult the full product conditions. Valid for agreements under the Home Loan regime. If the loan is granted in a foreign currency, installments may increase due to exchange rate fluctuations. APR calculated in accordance with Decree-Law No. 74-A/2017 of June 23. Updated information as of January 1, 2025.
For more details, contact UCI (Unión de Créditos Inmobiliarios, S.A.), registered with the Bank of Portugal under No. 403, in compliance with transparency and consumer protection requirements, particularly under Notice No. 10/2008 of the Bank of Portugal.
