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Reduce your settlement by 30% on the first 2 years
Home Loan TAEG 1,9%
You dont have to pay a Credit Card provision fee.TAEG 15,0% | TAN 13,700%
With Programa Activo+ Loyalty Points, for each €10 spent you accumulate 1 point that you can swap for vouchers or donations.
If you buy a ticket at a NOS cinema with the Credit Card, you'll get the second one for free.
Is the key to your new house.TAEG 1,9% | 1,2%*
Without leaving your house and without paperwork.TAEG 9,2% | TAN 7,000%
Take it out for a test drive on our App.TAEG 8,6% | TAN 6,400%
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For those who are on a first name basis with complex investment products.
For those who want to put money aside or prepare their retirement.
Home Loan:
Example for a 30 year old consumer – €100.000 financing, with mortgage; appraised value €150.000; LTV 67%; 30 year term. Product Indexed Settlement, purpose Acquisition, initial Fees (Dossier Fee, Formalization and Evaluation) €748,80; Contract expenses €470; Loan opening Stamp Duty €600; Multirriscos Insurance Prize with monthly payments of €8,61.
TAEG without associated optional sales 1,9% - variable TAN 1,253% (Euribor 12 months of December 2020 of -0,497% e hired spread of 1,750%); Average monthly Life Insurance prize of €13,48; 360 monthly payments of €333,39 – Total Amount Payable by the Consumer of €129.792,63.
TAEG with associated optional sales 1,2% -variable TAN0,619% (Euribor 12 months of December 2020 of -0,497% e hired spread of 1,100%); Average monthly Life Insurance prize of €12,87; 360 monthly payments of €303,73 – Total Amount Payable by the Consumer of €118.892,64.
**Entails the holding of the following products: • Domiciliation of salary/retirement of the Clients, at Bank ActivoBank S.A, on the current Accounts in which the borrowers are the main holders or deposits/transfers of €750 month, to the current Account related to the Loan, with half-year control of the accumulated value; • Multirisk Insurance associated with the loan (Ocidental Seguros); • Life Insurance associated with the loan (Ocidental Vida).
PUB
You must read the pre-contractual and contractual information, as required by law.
Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 101.000.000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority – Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt.
Insurances comercialized by Ocidental – Companhia Portuguesa de Seguros, S.A. and Ocidental – Companhia Portuguesa de Seguros de Vida, S.A.
The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Intermediary does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.
Life Branch:Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. – Av. Dr. Mário Soares, Edif. 10 – Tagus Park – 2744-002 Porto Salvo. Legal Person nr. 501 836 926, and registered under this number at Lisboa Trade Register, with share capital of 22.375.000 Euros.
Non Life Branch:Ocidental – Companhia Portuguesa de Seguros, S.A. – Av. Dr. Mário Soares, Edif. 10 – Tagus Park – 2744-002 Porto Salvo. Legal Person nr. 501 836 918, and registered under this number at Lisboa Trade Register, with share capital of 12.500.000 Euros.
Banco ActivoBank, S.A. is a BCP housing loan bound intermediary in exclusive basis. The granting of credit is subject to the macro-prudential rules of Banco de Portugal. The applied interest rate (TAN) can take on negative values according to the evolution of the corresponding indexed.
Home loan granted by Banco Comercial Português, S.A.
Personal Loan:
TAEG 9,2%, TAN 7,000%, with monthly instalments of 99,67€ , loan opening fee of 50€, for a 5,000 € loan with a 60-month term. Total amount charged to the consumer: 6.164,20€, including interest, Stamp Tax for the use of the loan and for fees. Subject to credit assessment.
Auto Loan:
TAEG of 8,6%, TAN of 6,400%, with monthly instalments of €196,39, loan opening fee €100, for a €10.000 loan with a 60-month term. Total amount charged to the consumer: €12.151,40, including interest, Stamp Tax for the use of the loan and for fees.Subject to credit assessment.