Example of financing in the Fixed Rate 10-year Housing Credit product, in the total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 120 months corresponding to 120 installments of a unit value of €1,031.09. Loan with a fixed APR (Annual Nominal Rate) of 4.390% in force in April 2024. Commission for partial or total early repayment of 2% on the repaid capital (plus stamp duty)*. Total amount charged to the consumer: €128,447.29. Total credit cost: €28,447.29.
Example of financing for 2 applicants aged 30. It includes charges for life insurance for 2 applicants of €86.38 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
Example of financing in the Fixed Rate 15-year Housing Credit product, in the total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 180 months corresponding to 180 installments of a unit value of €759.38. Loan with a fixed APR (Annual Nominal Rate) of 4.390% in force in April 2024. Commission for partial or total early repayment of 2% on the repaid capital (plus stamp duty)*. Total amount charged to the consumer: €142,917.19. Total credit cost: €42,917.19.
Example of financing for 2 applicants aged 30. It includes charges for life insurance for 2 applicants of €107.68 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
Example of financing in the Mixed Rate (Fixed Rate 5 years) Housing Credit product, in the total amount of €100,000.00, for a purchase value of €130,000.00 and for a term of 360 months corresponding to 60 installments of a unit value of €494.28 and 300 installments of a unit value of €559.89. Loan with a fixed APR (Annual Nominal Rate) of 4.290% for the first 5 years in force in April 2024. In subsequent periods, loan indexed to the 6-month Euribor (3.895%), in force in April 2024, plus a spread of 1.640%, resulting in a variable APR (Annual Nominal Rate) of 5.535% rounded to the thousandth. Commission for partial or total early repayment of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty). Total amount charged to the consumer: €211,958.46. Total credit cost: €111,958.46.
Example of financing for 2 applicants aged 30. It includes charges for life insurance for 2 applicants of €248.05 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
Example of financing in the Mixed Rate (Fixed Rate 10 years) Housing Credit product, in the total amount of €100,000.00, for a purchase value of €130,000.00 and for a term of 360 months corresponding to 120 installments of a unit value of €500.17 and 240 installments of a unit value of €534.88. Loan with a fixed APR (Annual Nominal Rate) of 4.390% for the first 10 years in force in April 2024. In subsequent periods, loan indexed to the 6-month Euribor (3.895%), in force in April 2024, plus a spread of 1.290%, resulting in a variable APR (Annual Nominal Rate) of 5.185% rounded to the thousandth. Commission for partial or total early repayment of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty). Total amount charged to the consumer: €202,553.36. Total credit cost: €102,553.36.
Example of financing for 2 applicants aged 30. It includes charges for life insurance for 2 applicants of €242.27 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
Example of financing in the Mixed Rate (Fixed Rate 15 years) Housing Credit product, in the total amount of €100,000.00, for a purchase value of €130,000.00 and for a term of 360 months corresponding to 180 installments of €500.17 and 180 installments of €520.34. Loan with a fixed APR (Annual Nominal Rate) of 4.390% for the first 15 years in force in April 2024. In subsequent periods, the loan is indexed to the 6-month Euribor (3.895%), effective in April 2024, plus a spread of 1.090%, resulting in a variable APR (Annual Nominal Rate) of 4.985% rounded to the thousandth. Commission for partial or total early repayment of 2% on the repaid capital during fixed rate periods and 0.5% during variable rate periods (plus stamp duty)*. Total amount charged to the consumer: €197,761.14. Total credit cost: €97,761.14.
Example of financing for 2 applicants aged 30. Includes charges for life insurance for 2 applicants of €239.16 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
* Commission suspended until December 31, 2024, as provided for 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 permanent own housing, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding amount, whenever early repayment occurs during a variable rate period.
Example of financing in the Variable Rate Housing Credit product in the total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 360 months corresponding to 360 installments of €569.99 each. Loan indexed to the 6-month Euribor (3.895%), effective in April 2024, plus a spread of 1.640%, resulting in a variable APR (Annual Nominal Rate) of 5.545% rounded to the thousandth. Commission for partial or total early repayment of 0.5% on the repaid capital (plus stamp duty)*. Total amount charged to the consumer: €219,658.21. Total credit cost: €119,658.21.
Example of financing for 2 applicants aged 30. Includes charges for life insurance for 2 applicants of €252.31 (average annual value), mandatory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), contractual documentation preparation commission of €416.00 (includes stamp duty), appraisal commission of €221.00 (includes stamp duty), stamp duty on the loan of €600.00, registry fees of €240.00, notary fees of €153.75 (includes VAT), solicitor service of €389.48 (includes VAT).
* Commission suspended until December 31, 2024, as provided for 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 permanent own housing, covered by Decree-Law No. 74-A/2017 of June 23, regardless of the outstanding amount, whenever early repayment occurs during a variable rate period.
UCI Mortgage Credit is a credit contract secured by a mortgage. This information does not constitute an offer of financial terms and conditions nor does it dispense with consulting the complete conditions of the product. Conditions valid for contracts concluded under the Housing Credit regime. If the loan is granted in foreign currency, installments may increase depending on the applicable exchange rate. APR calculated in accordance with Decree-Law No. 74 A/2017, of June 23. Information updated as of April 1, 2024.
Please consult UCI – Unión de Créditos Inmobiliários, S.A., Financial Credit Establishment (Sociedad Unipersonal) – Branch in Portugal, which is a branch of a financial institution headquartered in the European Union registered with the Bank of Portugal under No. 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – BRANCH IN PORTUGAL | Banco de Portugal (bportugal.pt)), which operates in compliance with the principles of legality conferred on it regarding advertising and information to the consumer, particularly in Bank of Portugal Notice No. 10/2008, which establishes the duties of information and transparency to be observed by credit institutions and financial companies in advertising financial products and services.