Example of financing under the Variable Rate Mortgage Loan product for a total amount of €100,000, for a purchase price of €130,000, over a term of 360 months, corresponding to 360 monthly installments of €502.42 each. The loan is indexed to the 6-month Euribor rate (2.788%), in effect in December 2024, plus a spread of 1.640%, resulting in a variable Nominal Annual Rate (NAR) of 4.428%, rounded to the nearest thousandth. Early repayment partial or full commission of 0.5% on the repaid principal amount (plus stamp duty)*. The total amount payable by the consumer is €194,888.10. Total cost of credit is €94,888.10.
Example of financing for 2 borrowers aged 30 years. Includes life insurance costs for two borrowers of €237.49 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), preparation fee for contractual documentation of €416.00 (including stamp duty), property valuation fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notarial fees of €153.75 (including VAT), legal services of €389.48 (including VAT).
*Commission suspended until December 31, 2024, as stipulated in Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to credit contracts for the acquisition or construction of a primary residence, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the amount outstanding, provided that the early repayment occurs during a variable rate period.
Example of financing under the Mixed Rate Mortgage Loan (5-Year Fixed Rate) product for a total amount of €100,000, for a purchase price of €130,000, over a term of 360 months, corresponding to 60 monthly installments of €494.28 each, followed by 300 monthly installments of €501.35 each. The loan has a fixed NAR of 4.290% during the first five years, in effect in December 2024. In subsequent periods, the loan is indexed to the 6-month Euribor rate (2.788%), effective December 2024, plus a spread of 1.640%, resulting in a variable NAR of 4.428%, rounded to the nearest thousandth. Early repayment commission of 2% on the repaid principal during fixed-rate periods and 0.5% during variable-rate periods (plus stamp duty)*. The total amount payable by the consumer is €194,065.21. Total cost of credit is €94,065.21.
Example of financing for 2 borrowers aged 30 years. Includes life insurance costs for two borrowers of €237.01 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), preparation fee for contractual documentation of €416.00 (including stamp duty), property valuation fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notarial fees of €153.75 (including VAT), legal services of €389.48 (including VAT).
*Commission suspended until December 31, 2024, as stipulated in Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to credit contracts for the acquisition or construction of a primary residence, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the amount outstanding, provided that the early repayment occurs during a variable rate period.
Example of financing under the Mixed Rate Mortgage Loan (10-Year Fixed Rate) product for a total amount of €100,000, for a purchase price of €130,000, over a term of 360 months, corresponding to 120 monthly installments of €500.17 each, followed by 240 monthly installments of €486.90 each. The loan has a fixed NAR of 4.390% during the first 10 years, in effect in December 2024. In subsequent periods, the loan is indexed to the 6-month Euribor rate (2.788%), effective December 2024, plus a spread of 1.290%, resulting in a variable NAR of 4.078%, rounded to the nearest thousandth. Early repayment commission of 2% on the repaid principal during fixed-rate periods and 0.5% during variable-rate periods (plus stamp duty)*. The total amount payable by the consumer is €194,064.18. Total cost of credit is €94,064.18.
Example of financing for 2 borrowers aged 30 years. Includes life insurance costs for two borrowers of €236.97 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), preparation fee for contractual documentation of €416.00 (including stamp duty), property valuation fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notarial fees of €153.75 (including VAT), legal services of €389.48 (including VAT).
*Commission suspended until December 31, 2024, as stipulated in Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to credit contracts for the acquisition or construction of a primary residence, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the amount outstanding, provided that the early repayment occurs during a variable rate period.
Example of financing under the Mixed Rate Mortgage Loan (15-Year Fixed Rate) product for a total amount of €100,000, for a purchase price of €130,000, over a term of 360 months, corresponding to 180 monthly installments of €500.17 each, followed by 180 monthly installments of €483.18 each. The loan has a fixed NAR of 4.390% during the first 15 years, in effect in December 2024. In subsequent periods, the loan is indexed to the 6-month Euribor rate (2.788%), effective December 2024, plus a spread of 1.090%, resulting in a variable NAR of 3.878%, rounded to the nearest thousandth. Early repayment commission of 2% on the repaid principal during fixed-rate periods and 0.5% during variable-rate periods (plus stamp duty)*. The total amount payable by the consumer is €194,064.18. Total cost of credit is €94,064.18.
Example of financing for 2 borrowers aged 30 years. Includes life insurance costs for two borrowers of €236.97 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening fee of €312.00 (including stamp duty), preparation fee for contractual documentation of €416.00 (including stamp duty), property valuation fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notarial fees of €153.75 (including VAT), legal services of €389.48 (including VAT).
*Commission suspended until December 31, 2024, as stipulated in Article 7 of Decree-Law No. 80-A/2022, of November 25. This suspension applies to credit contracts for the acquisition or construction of a primary residence, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the amount outstanding, provided that the early repayment occurs during a variable rate period.
Example of financing under the Fixed Rate Mortgage Loan (10-Year Rate) product for a total amount of €100,000, for a purchase price of €130,000, over a term of 120 months, corresponding to 120 monthly installments of €1,031.09 each. The loan has a fixed NAR of 4.390%, in effect in December 2024. Early repayment commission of 2% on the repaid principal amount (plus stamp duty)*. The total amount payable by the consumer is €128,447.29. Total cost of credit is €28,447.29.
Example of financing under the Fixed Rate Mortgage Loan (15-Year Rate) product for a total amount of €100,000, for a purchase price of €130,000, over a term of 180 months, corresponding to 180 monthly installments of €759.38 each. The loan has a fixed NAR of 4.390%, in effect in December 2024. Early repayment commission of 2% on the repaid principal amount (plus stamp duty)*. The total amount payable by the consumer is €142,917.19. Total cost of credit is €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 consulting the full terms of the product. Terms valid for contracts entered into under the Mortgage Credit regime. If the loan
