Home Loan Transfer

Your Home Loan is looking for a new house?

Transfer from Other Credit Institutions
TAEG 1,7% | 1,1%* with associated optional sales

*Entails the holding of the following products:
• Salary domiciliation on the Account associated with the Loan;
• Multirisk Insurance associated with the Loan (Ocidental Seguros);
• Life Insurance associated with the Loan (Ocidental Vida).

Simulate

More reasons to transfer your Home Loan

Exemption from dossier fees (290 €), evaluation (230 €) and formalization (200 €).

Anticipated reimbursement commission up to a maximum of 0.5% of the transferred capital.

Exemption from the expenses of the Loan agreement with mortgage of the Transferred Home Loan, when concluded by Certified Private Document (526,25€).

More budget freedom
and take advantage of the first two years to transform your house into the one you've always dreamed about⁽¹⁾

Transfer from Other Credit Institutions
TAEG 1,7% | 1,1%* with associated optional sales

*Entails the holding of the following products:
• Salary domiciliation on the Account associated with the Loan;
• Multirisk Insurance associated with the Loan (Ocidental Seguros);
• Life Insurance associated with the Loan (Ocidental Vida).

Home Loan transfer from other institutions: destined for Clients who wish to transfer their ongoing Home Loan from another Credit Institution.

You will benefit from the following advantages:
• Dossier fee waiver (€290), appraisal (€230) and formalization (€200);
• Co-payment of the expenses by early liquidation of the transferred capital, up to a maximum of 0,5%;
• Waiver of the mutual contract expenses with mortgage of the transferred Home Loan when concluded by Certified Private Document (€526,25).

Conditions valid exclusively for transfers from Other Credit Institutions, if the total amount of the operation is equal or superior to €50.000 and the deadline is equal or superior to 10 years.

Conditions valid for proposals approved until December 31th, 2021 and hired until January 31st, 2022.

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 Transfer, exempt of initial fees (Dossier Fee, Formalization and Evaluation); Contract expenses €65; exempt of Loan opening Stamp Duty; Multirisk Insurance Prize with monthly payments of €8,61.

Subject to credit risk analysis.

TAEG with associated optional sales 1,7% –variable TAN 1,252% (Euribor 12 months of August 2021 of -0,498% e hired spread of 1,75%); Average monthly Life Insurance prize of €13,78; 360 monthly payments of €333.35 – Total Amount Payable by the Consumer of €128.128,32.

TAEG with associated optional sales* 1,1% – variable TAN 0,602% (Euribor 12 months of August 2021 of -0,498% e hired spread of 1,1%); Average monthly Life Insurance prize of €13,15; 360 monthly payments of €303.69 – Total Amount Payable by the Consumer of €117.224,05.

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

Home Loan transfer from other institutions: destined for Clients who wish to transfer their ongoing Home Loan from another Credit Institution.

You will benefit from the following advantages:
• Dossier fee waiver (€290), appraisal (€230) and formalization (€200);
• Co-payment of the expenses by early liquidation of the transferred capital, up to a maximum of 0,5%;
• Waiver of the mutual contract expenses with mortgage of the transferred Home Loan when concluded by Certified Private Document (€526,25).

Conditions valid exclusively for transfers from Other Credit Institutions, if the total amount of the operation is equal or superior to €50.000 and the deadline is equal or superior to 10 years.

(1) 10%, 20% or 30% reduction of the settlement, for an initial period of 6, 12, 18 or 24 months, depending on the Client’s needs. Applicable to: acquisition of Own Permanent Home (HPP) and Own Secondary Home (HPS).
This campaign does not include any advantage for house works or purchase of any materials/utensils for improvements. It merely illustrates possible applications for the monthly amount that the Client won’t have to pay for the first two years of the loan if he chooses to reduce the settlement of his Home Loan.

Conditions valid for proposals approved until December 31th, 2021 and hired until January 31st, 2022.

Example for a 30-year-old consumer – €100.000 financing, with mortgage; appraised value €150.000; LTV 67%; 30-year term. Product Home Loan with 30% reduced Settlement for a 24-month deadline, purpose Transfer. Exempt of initial fees (Dossier Fee, Formalization and Evaluation); Contract expenses €65; exempt of Loan opening Stamp Duty; Multirisk Insurance Prize with monthly payments of €8,61.

Subject to credit risk analysis.

TAEG without associated optional sales 1,7% – variable TAN 1,252% (Euribor 12 months of August 2021 of -0,498% e hired spread of 1,75%); Average monthly Life Insurance prize of €14,12; first 24 monthly payments of €233,34; 336 monthly payments of €341,92 (without settlement reduction: 360 monthly payments of €333,35); –Total Amount Payable by the Consumer of €128.733,31.

TAEG with associated optional sales* 1,1% – variable TAN 0,602% (Euribor 12 months of August 2021 of -0,498% e hired spread of 1,1%); Average monthly Life Insurance prize of €13,45; first 24 monthly payments of €212,58; 336 monthly payments of €310,80 (without settlement reduction: 360 monthly payments of €303,69); –Total Amount Payable by the Consumer of €117.538,14.

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

Home Loan Transfer

Your Home Loan is looking for a new house?

More reasons to transfer your Home Loan

More budget freedomand take advantage of the first two years to transform your house into the one you've always dreamed about(1)

More budget freedom
and take advantage of the first two years to transform your house into the one you've always dreamed about⁽¹⁾