Crédito Habitação Bimby

Does your dream house have to know how to cook the dinner?
Only if it's with Bimby®

Receive one Bimby®, in the value of 1.299€ and 12 months of access to the Cookidoo® recipes' platform in the value of 36€, by contracting your Loan, with a value equal to or greater than 150,000€.

Consult here the Campaign's General Conditions.

Simulate

Home Loan
TAEG 1,9% | 1,2* with associated optional sales

Campaign valid from 1/7 to 30/9

**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).

We have the necessary ingredients to be your choice

Loan up to 90%

We finance up to a maximum of 90% based on the property appraisal value pledged as guarantee.

We're here to help

We have a specialized team to help you throughout the process.

Home Loan for Young Adults

If you're under 35, you may have acess to more benefits

See more
Home Loan Transfer

If your Credit wants to move house, know our preferred conditions.

See more
House Moving Solution

If you want to move house, we'll move with you.

See more

Simulator

Simulating doesn't cost a thing

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Are there any mandatory insurances?

There are 2 insurances that the Bank demands whenever financing for house is requested, Life insurance and Multirisk insurance.

Life insurance ensures the payment in case of death or permanent invalidity of the insured person. Multirisk insurance ensures that the property, besides the fire coverage (mandatory by law for all houses in regime of horizontal property,for the autonomous fraction as well as for the corresponding share of common areas), has a wide range of aditional coverages that ensure a bigger safety level to the property and to the insured person (examples: Flooding, plumbing malfunction, theft, civil responsability, amongst others).

What is TAEG? And MTIC?

TAEG (Annual Percentage Rate) is the total cost of the Loan, paid by the consumer, expressed as an annual percentage of the granted loan's amount. When calculating the TAEG, expenses of collection of refunds and interest payment are included,as well as the remaing charges to bear (taxes, fees and mandatory insurances).

TAEG can be used to compare Loan proposals. For Loan proposals with the same amount, term, and refund modality, the proposal with the lowest TAEG is the cheapest for the Client. It includes interest + fees + expense+ taxes + insurances.

MTIC (total amount charged to the consumer) its the sum of the total amount of the Loan with the associated costs (interest, fees, taxes and other charges).

Take note that for Loans the tax is variable, MTIC is merely indicative as the interes rate of these Loans can vary with time, according to the fluctuation of the indexed used. (EURIBOR).

What is the FINE (ESIS)?

The FINE (European Standardized Information Sheet) is a document issued by the Bank where all the conditions of the loan are written and that allows you to make comparative analysis and make a conscious and responsible decision before formalizing and signing the contract.

Which are the steps to formalize a Home Loan process?

There are 7 steps. First "Smulation", then "Proposal" followed by "Property Evaluation". Then you will have the "Analysis", which should be conscious and responsible. Afterwards there will be the emission of the "Approval letter", the "Gathering of documentation" and, last but not least, the "Deed".

What are the general conditions of the current Bimby®campaign?

Know here the Campaign Conditions, valid from 1/7 a 30/9.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Receive one Bimby®, in the value of 1.299€ and 12 months of access to the Cookidoo® recipes' platform in the value of 36€, by contracting your Loan, with a value equal to or greater than EUR 150,000€.

Exclusive Campaign for Home Loan requests initiated between July 1st and September 30th, 2021, with Approval Letters issued until October 31st, 2021.
Limited to the existent stock of Bimby® Robots.

This Conditions are valid exclusively for requests whose purpose is the Acquisition or House of one's own Construction and Permanent or Secondary, if the total amount of the financing is equal to or greater than 150,000€ and has a ratio equal to or lower than 90%, based on the property’s appraisal value pledged as guarantee.

Campaign not cumulative with any other special conditions or Home Loan Campaigns in effect.

Receive our order’s communication for the equipment up to 30 days after the date of signing the Loan Contract, to the email address you have registered in the Bank.
After receiving the communication, you will be contacted by a VORWERK agent within 30 days after the respective receipt. The acceptance of the attribution of this Bimby® and the access to the Cookidoo® recipes’ platform implies that the customer issues a declaration of acceptance, authorizing data transmission and processing to VORWERK - the owner of the Bimby® brand.

In return and following the conclusion of the Loan Agreement, this Campaign provides the attribution of the Bimby® Robot, as well as the access to the recipes’ platform Cookidoo® for 12 months, respectively, in the value of €1.299 e €36 to the Client.

Consult the Campaign’s General Conditions at ActivoBank.pt.

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 Acquisition, initial Fees (Dossier Fee, Formalization and Evaluation) €748.80; Contract expenses €470; Loan opening Stamp Duty €600; Multirisk Insurance Prize with monthly payments of €8,61

Subject to credit risk analysis.

TAEG without associated optional sales 1,9% – variable TAN 1,266% (Euribor 12 months of June 2021 of -0,484% e hired spread of 1,75%); Average monthly Life Insurance prize of €13,79; 360 monthly payments of €334.00 – Total Amount Payable by the Consumer of €130.123,85.

TAEG with associated optional sales* 1,2% – variable TAN 0,616% (Euribor 12 months of June 2021 of -0,484% e hired spread of 1,1%); Average monthly Life Insurance prize of €13,16; 360 monthly payments of €304.31– Total Amount Payable by the Consumer of €119.206,07.

**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.

The ActivoBank, as Loan Intermediary, and the Millenniumbcp as Mortgage Lender, aren’t representatives of the Bimby® brand and/or product, nor have any involvement in the delivery or after-sales service of the Bimby®, neither in any other equipment of Bimby® Brand.

(1) The opening of an account is conditioned to the Customer's admission by the Bank, in accordance with its Customer Acceptance Policy. Minimum amount to open an account: €500 (except Activo Salary, Students and Online Account openings - €100).