Home Loan ActivoBank | A House full of advantages

Home Loan

Home Loan Transfer

House Moving

Green Home Loan

Come on! In 2024, a zero is still a zero

During the first 2 years, zero remains zero

TAEG 5,5% | TAEG 4,8% with associated optional sales*

*Requires the possession of the following products:

• Salary domiciliation in the Account associated with the loan;

And additionally fulfills three of the five conditions:

• Credit Card of Banco ActivoBank, (transactions of payments of purchases and services with the minimum use of €100/month with checks every six months of the accumulated value) – 17,9%**;

• Personal Loan at Banco ActivoBank, where borrowers are first holders with a minimum outstanding balance of €1.000;

Domiciliation of 2 monthly payments in the Account associated to the financing at Banco ActivoBank, as payments of utilities (electricity, water, gas, communication);

• Life Insurance linked to the Loan at Ocidental Vida***;

• Multirisk Home Insurance linked to the Loan, commercialized by Ageas Portugal under the Ocidental brand***

Let's Go!

It takes 4 steps

1. Approve the Credit operation from 10/2/2023 to 30/06/2024

2. Hire the Loan by 31/07/2024

3. Link the Loan to an ActivoBank Current Account

4. Select the associated optional sales*

Simulator

Simulating doesn't cost a thing

Solutions

Whatever the situation, we have the solution

Variable Rate¹

TAEG 5,5% | 4,8% with associated optional sales

Constant installments of capital and interest since the beginning of the Loan

Purposes: acquisition, transfers, construction and works

Maximum Terms: Up to 40 years, for Clients under or equal to 30 years of age; Up to 37 years, for Clients over 30 and under or equal to 35 years of age; Up to 35 years, for Clients over 35 years of age. The maximum term is always conditioned to the fact that at the end of the Loan, none of the parties involved must be over 72 years old.

Amount of Financing:

Acquisition: up to 90% (in the case of Permanent Owned Housing) or 80% (in the case of Secondary Housing) of the appraisal value or the acquisition value of the property (the lower of the values).

Transfers: up to 90% (in the case of Permanent Proper Housing) or 80% (in the case of Secondary Housing) of the appraised value. In properties acquired less than 2 years ago, the minimum between the acquisition value and the appraised value of the property.

Works: up to 90% (in the case of Permanent Proper Habitation) or 80% (in the case of Secondary Habitation) on the value of appraised expected for the property after the referred works. In properties acquired less than two years ago, the minimum between the acquisition value of the property plus the improvement works and the expected appraised value of the property after the referred works.

Construction: up to 90% (in case of Permanent Proper Habitation) or 80% (in case of Secondary Habitation) of the minimum between the value of the land plus the cost of the works and the appraised value of the property at the time of the conclusion of the construction project.

Blended Rate³

TAEG 5,2% | 4,5% with associated optional sales

Your rate is fixed for an initial period, in which the amount of the instalment does not change.

During the remaining period, the rate is variable, as is the instalment

Blended interest rate: fixed during the first 2, 3, 5 or 10 years, followed by a variable rate indexed to the 6-month Euribor.

Constant installments of capital and interest

Purposes: acquisition and transfers

Maximum Terms: Up to 40 years, for Clients under or equal to 30 years of age; Up to 37 years, for Clients over 30 and under or equal to 35 years of age; Up to 35 years, for Clients over 35 years of age. The maximum term is always conditioned to the fact that at the end of the Loan, none of the parties involved must be over 72 years old.

Amount of Financing:

Acquisition: up to 90% (in the case of Permanent Owned Housing) or 80% (in the case of Secondary Housing) of the appraisal value or the acquisition value of the property (whichever is less)

Rate for Persons with Disabilities⁴

TAEG 3,2% Reduced rate for disabled people covered by the Law

This type of financing is intended for the acquisition, construction or works in permanent owner-occupied housing and allows the disabled (civil disabled under Law 64/2014 and with a disability equal to or greater than 60%) to benefit from a subsidized rate.

Instalments with capital amortization from the beginning of the Loan

Purposes: acquisition, transfer, construction and works on permanent home ownership

Terms up to 40 years, with a limit of 72 years of age for all proponents

Amount of Financing: up to 90% of the lower of the acquisition/valuation values with the current limit of 228.127,27 (updated annually based on the consumer price index)

Life Insurance: It is not mandatory to contract Life Insurance to access the legal conditions for this type of Loan

Loans with associated optional sales

Associating 4 products to your Loan, you’ll have a reduced rate. Learn how.

A. Mandatory product

If you want to take the rate with associated sales, this product is not optional and must be linked to your Loan as the following:

Deposit, in the ActivoBank's S.A. Current Accounts where the borrowers are the first holders, of the customer's salary/retirement or deposits and/or transfers to the Current Account related to the Loan of €750/month with checks every six months of the accumulated value

B. Products you can choose

To sum up a total of 4 products, you must add to the mandatory product 3 more of the 5 following options, as you prefer:

Credit Card (transactions of payments of purchases and services with the minimum use of €100/month with checks every six months of the accumulated value)

Consumer Loan at Bank ActivoBank S.A. where borrowers are first holders with a minimum outstanding balance of €1.000

Payment of two utility bills monthly, as payments of utilities (electricity, water, gas, communications)

Subscription of Life Insurance in Ocidental Vida (active policies associated to the Loan)¹

Subscription of Multirisk Insurance in Ocidental (active policies associated to the Loan), commercialized by Ageas under the brand Ocidental¹

If you prefer to have the rate with associated optional sales, choose that option on your simulation¹

Home Loan Transfer

If your Credit wants to move house, know our preferred conditions.

TAEG 5,5% | 4,6% with associated optional sales

House Moving Solution

If you want to move house, we'll move with you.

TAEG 5,5% | 4,8% with associated optional sales

Green Home Loan

Is your future home eco-friendly? We have green solutions.

TAEG 5,5% | 4,8% with associated optional sales

Know how much you can ask for

Use our new calculator and in just 4 steps you will know the value of the house you can choose.

Calculate

Home Loan Process's Map, from A to B

Learn, step by step, the stages of the house buying process

For more details, see the full version of this Home Loan Process's Map
and a Detailed guide on how to request a loan.

Open Account

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Are there any mandatory insurances?

There are 2 insurances that the Bank demands whenever financing for house is requested, Life insurance and Multirisk insurance.

Life insurance ensures the payment in case of death or permanent invalidity of the insured person. Multirisk insurance ensures that the property, besides the fire coverage (mandatory by law for all houses in regime of horizontal property,for the autonomous fraction as well as for the corresponding share of common areas), has a wide range of aditional coverages that ensure a bigger safety level to the property and to the insured person (examples: Flooding, plumbing malfunction, theft, civil responsability, amongst others).

What is TAEG? And MTIC?

TAEG (Annual Percentage Rate) is the total cost of the Loan, paid by the consumer, expressed as an annual percentage of the granted loan's amount. When calculating the TAEG, expenses of collection of refunds and interest payment are included,as well as the remaing charges to bear (taxes, fees and mandatory insurances).

TAEG can be used to compare Loan proposals. For Loan proposals with the same amount, term, and refund modality, the proposal with the lowest TAEG is the cheapest for the Client. It includes interest + fees + expense+ taxes + insurances.

MTIC (total amount charged to the consumer) its the sum of the total amount of the Loan with the associated costs (interest, fees, taxes and other charges).

Take note that for Loans the tax is variable, MTIC is merely indicative as the interes rate of these Loans can vary with time, according to the fluctuation of the indexed used. (EURIBOR).

What is the FINE (ESIS)?

The FINE (European Standardized Information Sheet) is a document issued by the Bank where all the conditions of the loan are written and that allows you to make comparative analysis and make a conscious and responsible decision before formalizing and signing the contract.

Which are the steps to formalize a Home Loan process?

There are 7 steps. First "Smulation", then "Proposal" followed by "Property Evaluation". Then you will have the "Analysis", which should be conscious and responsible. Afterwards there will be the emission of the "Approval letter", the "Gathering of documentation" and, last but not least, the "Deed".

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Representative example:
* Visa Classic Credit Card.
TAEG 17,9% | TAN 17,400%, for a € 1.500 credit, paid over 12 equal monthly repayments, plus interests and expenses. Without provision fee. Request subject to credit risk analysis.

1- Example for a 30-year-old consumer – €100.000 ﬁnancing, with mortgage; appraised value €150.000; 30 year term. Product Indexed Settlement, purpose Acquisition, initial Fees (Dossier Fee, Formalization and Evaluation) €748.80; Contract expenses €495,62; Loan opening Stamp Duty €600; Multirisk Insurance Prize with monthly payments of €17,63.

Subject to credit risk analysis.

TAEG without associated optional sales 5,5% - variable TAN 4,666% (Euribor 12 months of august 2024 of 3,166% e hired spread of 1,50%); Average monthly Life Insurance prize of €17,13; 360 monthly payments of €516,60 – Total Amount Payable by the Consumer of €200.331,61.

TAEG with associated optional sales* 4,8% - variable TAN 3,966% (Euribor 12 months of august 2024 of 3,166% e hired spread of 0,80%); Average monthly Life Insurance prize of €16,44; 360 monthly payments of €475,46 – Total Amount Payable by the Consumer of €185.275,15.

*Entails the holding of the following products:
• Salary domiciliation on the Account associated with the Loan;

It additionally fulfills three of the five conditions:
• Credit Card (transactions of payments of purchases and services with the minimum use of €100/month with checks every six months of the accumulated value) - TAEG 17,9%*;
• Consumer Loan at ActivoBank, where borrowers are first holders with a minimum outstanding balance of €1.000;
• Payment of two utility bills monthly, as payments of utilities (electricity, water, gas, communications).
• Subscription of Life Insurance in Ocidental** (active policies associated to the loan);
• Subscription of Multirisk Insurance in Ocidental** (active policies associated to the loan);

2- Example for a 30-year-old consumer - Financing of 100 thousand Euros, with mortgage; appraised value 150 thousand Euros; term of 30 years. Product Mixed Rate, purpose Acquisition. Initial commissions (Dossier Commission, Formalization and Evaluation) €748,80; Contract expenses €495,62; Stamp duty of Loan opening €600; Multirisk Insurance premium, with monthly payments of €17,63.

Subject to Credit Risk Analysis.

TAEG without optional associated sales 5,5% - calculated based on a fixed TAN of 4,650% for the entire term of the loan. Average monthly Life Insurance prize of €17,11; 360 monthly instalments of €515,64; Total Amount Imputed to the Consumer of €199.980,63.

TAEG with optional associated sales* 4,8% - calculated based on a fixed TAN of 3,950% for the entire term of the loan. Average monthly Life Insurance prize of €16,43; 360 monthly instalments of €474,54; Total Amount Imputed to the Consumer of €184.939,31.

3- Example for a 30-year-old consumer – €100.000 financing, with mortgage; appraised value €150.000; 30-year term. credit for persons with disabilities, purpose Acquisition, Initial commissions (Formalization and Evaluation Commission) 748,80€; Dossier Commission exempt; Contract expenses €495,62; Stamp duty of Credit opening 600€; Multirisk Insurance, with monthly payments of €17,63.

Subject to credit risk analysis.

TAEG without optional associated sales 5,2% - calculated based on a fixed TAN of 4,200% for the first 120 months and variable TAN of 4,666% (Euribor 12 months of august 2024 of 3,166% and base spread of 1,50%) for the remaining period. Average monthly Life Insurance prize of €16,90; 120 first monthly instalments of €489,02; 240 subsequent monthly instalments of €508,90; Total Amount Imputed to the Consumer of €195.093,91.

TAEG with optional associated sales* 4,5% - calculated based on a fixed TAN of 3,500% for the first 120 months and variable TAN of 3,966% (Euribor 12 months of august 2024 of 3,166% and contracted spread of 0,80%) for the remaining period. Average monthly Life Insurance prize of €16,21; 120 first monthly instalments of €449,04; 240 subsequent monthly instalments of €467,81; Total Amount Imputed to the Consumer of €180.185,50.

4- Example for a 30-year-old consumer – €100.000 financing, with mortgage; appraised value €150.000; 30-year term. credit for persons with disabilities, purpose Acquisition, Initial commissions (Formalization and Evaluation Commission) 748,80€; Dossier Commission exempt; Contract expenses €495,62; Stamp duty of Credit opening 600€; Multirisk Insurance, with monthly payments of €17,63.

Subject to credit risk analysis.

TAEG 3,2% - TAN 2,728% (65% European Central Bank refinancing rate); 360 monthly payments of €407,08 –Total Amount Payable by the Consumer of €154.740,02.

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.

**PUB
You must read the pre-contractual and contractual information, as required by law.
Ocidental brand insurance commercialized by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental – Companhia Portuguesa de Seguros, S.A.

Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 127.600.000,00 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 can be checked on the ASF website.

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.

Personal Data Protection and Insurance Mediation

ActivoBank, as insurance intermediary, carries out its business of distribuing insurance to the Insurance Company Ageas Portugal - Companhia de Seguros, S.A. (Non-Life Branch) and to the Insurance Company Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. (Life Branch).

In order to carry out this simulation, it may be necessary to proceed with the collection of personal data (such as identification and contact details, among others that may be necessary) to be transmitted to:

Life Branch:

Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. – Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal Person nr. 501 836 926, and registered under this number at Lisboa Trade Register, with share capital of 22.375.000 Euros. Register ASF 1024. Information and further registration details can be checked on the ASF website. Offices: Edifício Campo Alegre, Rua Gonçalo Sampaio 39, 4169-001 Porto.

Non Life Branch:
Ageas Portugal – Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 503 454 109. CRC Porto. Share capital of € 7.500.000. ASF Register 1129. Information and further registration details can be checked on the ASF website.

Home loan granted by Banco Comercial Português, S.A.

About our cookies
Our website uses its own and third-party cookies to improve your navigation experience and for statistical purposes. You can accept all cookies or adjust your preferences.
To learn more about how we use them, please see our COOKIES POLICY

Select the desired configuration and press ACCEPT.

TECHNICAL

Strictly necessary cookies for a good performance

STATISTICAL

Cookies related to the website’s statistics

PREFERENCES

Your preferences in the website

RE-MARKETING

ActivoBank may display advertisements related to your interests on other websites.

Yes No

Home Loan Solutions​

Come on! In 2024, a zero is still a zero​

Let's Go!

It takes 4 steps

Simulator

Simulating doesn't cost a thing

Loans with associated optional sales

Associating 4 products to your Loan, you’ll have a reduced rate. Learn how.

A. Mandatory product

B. Products you can choose

Home Loan Transfer

House Moving Solution

Green Home Loan

Know how much you can ask for

Home Loan Process's Map, from A to B

What else do you need to know?

Home Loan Solutions

Come on! In 2024, a zero is still a zero