Home Loan Transfer | Your Credit wants to move house?

Your Home Loan is looking for
a new house?¹

Transfer from Other Credit Institutions
TAEG 2,5% | 1,9% with associated optional sales

Entails the holding of the following products:
Domiciliation of the salary in the Account associated with the loan; Ocidental Multirisk Insurance associated with loan*; Ocidental Life Insurance associated with loan*.

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 about²

Transfer from Other Credit Institutions
TAEG 2,5% | 1,9% with associated optional sales

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

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 June 30, 2022 and hired until July 31, 2022.

1- 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 2,5%- variable TAN 2,037% (Euribor 12 months of May 2022 of 0,287% e hired spread of 1,75%); Average monthly Life Insurance prize of €14,28; 360 monthly payments of €371,47€ – Total Amount Payable by the Consumer of €142.033,70.

TAEG with associated optional sales 1,9% - variable TAN 1,387% (Euribor 12 months of May 2022 of 0,287% e hired spread of 1,1%); Average monthly Life Insurance prize of €13,64; 360 monthly payments of €339,72 – Total Amount Payable by the Consumer of €130.375,91.

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

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 June 30, 2022 and hired until July 31, 2022.

2- 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 2,5% – variable TAN 2,037% (Euribor 12 months of May 2022 of 0,287% e hired spread of 1,75%); Average monthly Life Insurance prize of €14,66; first 24 monthly payments of €260,03; 336 monthly payments of €382,13 (without settlement reduction: 360 monthly payments of €371,47); –Total Amount Payable by the Consumer of €143.078,45.

TAEG with associated optional sales 1,9% - variable TAN 1,387% (Euribor 12 months of May 2022 of 0,287% e hired spread of 1,1%); Average monthly Life Insurance prize of €13,98; first 24 monthly payments of €237,81; 336 monthly payments of €348,63 (without settlement reduction: 360 monthly payments of €339,72); –Total Amount Payable by the Consumer of €131.042,96.

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

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, please consult: www.asf.com.pt.

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, www.asf.com.pt . 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, www.asf.com.pt

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

Your Home Loan is looking for a new house?1

Transfer from Other Credit InstitutionsTAEG 2,5% | 1,9% with associated optional sales

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 about2

Your Home Loan is looking for
a new house?¹

Transfer from Other Credit Institutions
TAEG 2,5% | 1,9% with associated optional sales

More budget freedom
and take advantage of the first two years to transform your house into the one you've always dreamed about²