House moving with ActivoBank

Home Loan

Home Loan Transfer

House Moving

Green Home Loan

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2

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*

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, 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

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). 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 Ocidental^1***

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

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- Conditions valid for proposals approved until june 30, 2024 and hired until july 31, 2024.

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 6,1% - variable TAN 5,218% (Euribor 12 months of march 2024 of 3,718% e hired spread of 1,50%); Average monthly Life Insurance prize of €17,66; 360 monthly payments of €550,22 – Total Amount Payable by the Consumer of €212.630,12.

TAEG with associated optional sales* 5,4% - variable TAN 4,518% (Euribor 12 months of march 2024 of 3,718% e hired spread of 0,80%); Average monthly Life Insurance prize of €16,98; 360 monthly payments of €507,76 – Total Amount Payable by the Consumer of €197.096,94.

*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);

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.