Example of financing under the Variable Rate Mortgage Loan product, with a total amount of €100,000.00 for a purchase price of €150,000.00, over a period of 360 months, corresponding to 360 monthly payments of €483.20 each. Loan indexed to the 6-month Euribor (2.460%), effective as of March 2025, plus a spread of 1.640%, resulting in a variable Nominal Annual Rate (NAR) of 4.100%, rounded to the nearest thousandth. Early repayment commission (partial or full) of 0.5% on the repaid capital (plus stamp duty).* Total amount payable by the consumer: €186,745.70. Total credit cost: €86,745.70.
Example financing for two borrowers, both 30 years old. Includes costs for life insurance for two borrowers at €174.20 (average annual amount), mandatory multi-risk insurance of €174.54 (average annual amount), an opening fee of €312.00 (including stamp duty), a contractual 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, registry fees of €240.00, notary fees of €153.75 (including VAT), and legal services of €389.48 (including VAT).
*Commission suspended until December 31, 2025, as provided for in Decree-Law No. 80-A/2022, of November 25 (amended by Law No. 1/2025, of January 6). This suspension applies to credit agreements for the purchase or construction of primary residences, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding balance, whenever early repayment occurs during a variable-rate period.
Example of financing under the Mixed Rate Mortgage Loan (Fixed Rate 5 Years) product, with a total amount of €100,000.00, for an appraisal value of €150,000.00, over a period of 360 months, corresponding to 60 monthly payments of €494.28 and 300 monthly payments of €484.65. Loan with a fixed NAR of 4.290% for the first 5 years, effective as of March 2025. For the subsequent periods, the loan is indexed to the 6-month Euribor (2.460%), effective as of March 2025, plus a spread of 1.640%, resulting in a variable NAR of 4.100%, rounded to the nearest thousandth. Early repayment commission (partial or full) of 2% on the repaid capital during the fixed-rate periods and 0.5% during the variable-rate periods (plus stamp duty).* Total amount payable by the consumer: €190,796.66. Total credit cost: €90,796.66.
Example financing for two borrowers, both 30 years old. Includes the same costs as the previous example, with life insurance at €176.20.
*Commission suspended until December 31, 2025, as provided for in Decree-Law No. 80-A/2022, of November 25 (amended by Law No. 1/2025, of January 6). This suspension applies to credit agreements for the purchase or construction of primary residences, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding balance, whenever early repayment occurs during a variable-rate period.
Example of financing under the Mixed Rate Mortgage Loan (Fixed Rate 10 Years) product, with a total amount of €100,000.00, for an appraisal value of €150,000.00, over a period of 360 months, corresponding to 120 monthly payments of €500.17 and 240 monthly payments of €473.16. Loan with a fixed NAR of 4.390% for the first 10 years, effective as of March 2025. For the subsequent periods, the loan is indexed to the 6-month Euribor (2.460%), effective as of March 2025, plus a spread of 1.290%, resulting in a variable NAR of 3.750%, rounded to the nearest thousandth. Early repayment commission (partial or full) of 2% on the repaid capital during the fixed-rate periods and 0.5% during the variable-rate periods (plus stamp duty).* Total amount payable by the consumer: €192,947.13. Total credit cost: €92,947.13.
Example financing for two borrowers, both 30 years old. Includes the same costs as the previous example, with life insurance at €177.25.
*Commission suspended until December 31, 2025, as provided for in Decree-Law No. 80-A/2022, of November 25 (amended by Law No. 1/2025, of January 6). This suspension applies to credit agreements for the purchase or construction of primary residences, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding balance, whenever early repayment occurs during a variable-rate period.
Example of financing under the Mixed Rate Mortgage Loan (Fixed Rate 15 Years) product, with a total amount of €100,000.00, for an appraisal value of €150,000.00, over a period of 360 months, corresponding to 180 monthly payments of €500.17 and 180 monthly payments of €472.48. Loan with a fixed NAR of 4.390% for the first 15 years, effective as of March 2025. For the subsequent periods, the loan is indexed to the 6-month Euribor (2.460%), effective as of March 2025, plus a spread of 1.090%, resulting in a variable NAR of 3.550%, rounded to the nearest thousandth. Early repayment commission (partial or full) of 2% on the repaid capital during the fixed-rate periods and 0.5% during the variable-rate periods (plus stamp duty).* Total amount payable by the consumer: €192,947.13. Total credit cost: €92,947.13.
Example financing for two borrowers, both 30 years old. Includes the same costs as the previous example.
*Commission suspended until December 31, 2025, as provided for in Decree-Law No. 80-A/2022, of November 25 (amended by Law No. 1/2025, of January 6). This suspension applies to credit agreements for the purchase or construction of primary residences, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding balance, whenever early repayment occurs during a variable-rate period.
Example of financing under the Fixed Rate 10 Years Mortgage Loan product, with a total amount of €100,000.00, for a purchase price of €130,000.00, over a period of 120 months, corresponding to 120 monthly payments of €1,031.09. Loan with a fixed NAR of 4.390%, effective as of March 2025. Early repayment commission (partial or full) of 2% on the repaid capital (plus stamp duty). Total amount payable by the consumer: €128,379.34. Total credit cost: €28,379.34.
Example financing for two borrowers, both 30 years old. Includes the same costs as the previous example, with life insurance at €57.10.
Example of financing under the Fixed Rate 15 Years Mortgage Loan product, with a total amount of €100,000.00, for a purchase price of €130,000.00, over a period of 180 months, corresponding to 180 monthly payments of €759.38. Loan with a fixed NAR of 4.390%, effective as of March 2025. Early repayment commission (partial or full) of 2% on the repaid capital (plus stamp duty). Total amount payable by the consumer: €142,739.45. Total credit cost: €42,739.45.
Example financing for two borrowers, both 30 years old. Includes the same costs as the previous example, with life insurance at €73.34.
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.
