Minimum of 7 years and maximum of 35 years according to the selected product, Client profile, and up to a maximum of 75 years of age at the end of the loan.
Minimum of 7 years and maximum of 35 years according to the selected product, Client profile, and up to a maximum of 75 years of age at the end of the loan.
Fixed interest rate for 5 or 10 years, established at the time of taking out the loan and without adding a spread. After the fixed rate period, the interest rate on the loan becomes the interest rate indexed to the 6-month Euribor + spread. The spread may vary according to the loan conditions.
APR Mixed Rate (Fixed Rate 5 years) – 5,351%
Interest rate indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.
APR Variable Rate indexed to the 6-month Euribor – 4.975%
Bison Bank, as a Linked Credit Intermediary authorized to operate in Portugal, is registered with the Bank of Portugal, under code 63, and is included in the list of Credit Institutions that provide credit intermediation services, information that can be consulted through the list of Credit Institutions acting as Credit Intermediaries on the Bank of Portugal’s website. The credit intermediary activity of Bison Bank is subject to the supervision of the Bank of Portugal, with its civil liability ensured by the insurer Hiscox, S.A..
Bison Bank acts as a Linked Credit Intermediary without exclusivity. The granting of housing credit is the exclusive responsibility of UCI – Unión de Créditos Inmobiliários, S.A.E.F.C. – Branch in Portugal, a lending entity registered with the Bank of Portugal under code 403 as a Credit Institution. The Bison Bank Mortgage Solution is a product under the responsibility of Unión de Créditos Inmobiliarios, S.A. Establecimiento Financiero de Crédito (Sociedad Unipersonal), Portugal Branch (“UCI”), and is marketed by Bison Bank, S.A. (“Bison Bank”) in its capacity as a tied, non-exclusive credit intermediary.
* UCI – Unión de Créditos Inmobiliários, S.A., Financial Credit Establishment (Single-Member Company) – Branch in Portugal is a branch of a financial institution headquartered in the European Union, registered with the Bank of Portugal under the number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – BRANCH IN PORTUGAL) that operates in compliance with the principles of lawfulness conferred upon it regarding advertising and consumer information, particularly in Notice No. 10/2008 of the Bank of Portugal, which establishes the duties of information and transparency to be observed by credit institutions and financial companies in advertising financial products and services. Please consult UCI for more information.
For further information, we invite you to visit: Mortgages in Portugal: Fixed, Mixed and Variable rates | UCI
The UCI Housing Credit is a mortgage-backed loan agreement. This information does not constitute an offer of financial conditions nor does it replace the consultation of the complete product terms. Conditions are valid for contracts concluded under the Housing Credit regime. APR calculated in accordance with Decree-Law No. 74 A/2017, of June 23.
This disclosure is of an advertising nature and is made by Bison Bank.
