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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 6,1% | TAEG 5,4% 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 6,1% | 5,4% 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 5,5% | 4,8% 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 3,4% 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

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?

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?

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