Home Moving - Home Loan

Thinking of moving to a news home? For 2 years, the spread stays out

How much can I request

Subject to Credit decision.

Keep saving
0 SPREAD for 24 months1

TAEG 4,4% | TAEG 3,7% with optional associated sales*.

To benefit from this advantage, deposit your salary into the ActivoBank current Account linked to the Loan and meet 3 out of the 5 following requirements: :

ActivoBank Credit Card: Make payments of at least €100/month (with a semi-annual control of the accumulated amount) – TAEG 17,9%**.

Personal Loan at ActivoBank: Must be the primary holder and have a minimum balance of €1.000 in the Loan.

Direct debit of 2 monthly payments (water, electricity, gas, communications) from the associated Account.

Life Insurance linked to the Loan with Ocidental Vida***

Home Multi-risk Insurance linked to the Loan, provided by Ageas Portugal under the Ocidental brand***

*Valid for new Loans approved until 30/06/2025 and contracted by 31/07/2025 with optional associated sales*.

More reasons to change

House that you will sell

Possibility of reinforcing the current mortgage, to signal the acquisition of the new house.
Exemption from the early repayment fee, up to a limit of 0.5% of the capital repaid, in case of sale up to 12 months after the new deed (and new financing).

House that you will buy

Payment, by reimbursement, of the Appraisal Commission (230€), after the deed.

Loans with associated optional sales

By adding 4 products to your Home Loan, you will have access to a lower rate. See 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). TAEG 15,9%**

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***