Young Adults Home Loan Solution

Looking for your first home? You can now buy with the State's Personal Guarantee

Financing up to 100% of the property value, without the need for a down payment.

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How much can I request

Subject to Credit decision.

New home by the age of 35?
Yes, it's possible.

It’s time to move out of your parent’s house. With the Youth Home Loan, buying a home just got easier.

Financing up to 100% of the transaction value with the State Public Guarantee*

Zero initial fees

Exemption from IMT and Stamp Duty

0 SPREAD for 2 years

We make the process simpler

Because buying a home doesn't have to be a headache.

Home Loan Simulator:

The simplest way to find the perfect conditions for your next home

Simulate now

Home Loan Calculator:

A quick way to know how much you can request for your loan

Calculate now

Home Loan Guide:

Learn the step-by-step process of buying a house

Online application:

To start the process from anywhere

HOME LOAN SIMULATOR

Simulating doesn't cost a thing

State Public Guarantee has arrived!

Buying your first home? Simple. Find out here how State’s Public Guarantee can help you take the first step.

It is a support measure that facilitates the purchase of a first home for young people:

  • The State acts as a guarantor for up to 15% of the amount financed by the Bank.
  • It allows obtaining financing up to 100% of the transaction value (Considering the lower value between purchase and appraisal).

Houses up to 450.000€
(considering the lower value between purchase and appraisal) intended for First Permanent Own Residence, with the State guarantee not exceeding 15% of the transaction value.

Young people aged 18 to 35, , inclusive, who have tax residency in Portugal and:

  • Who do not own or have never owned any property
  • Their annual taxable income must not exceed €80.000..
Simulate Home Loan

Bye bye, initial fees!

Start saving right from the first steps

Our Home Loan offers you exemption from initial fees, totaling 720€ + Stamp Duty, which includes:

290€ for Dossier Fee + Stamp Duty

200€ for Formalization Fee + Stamp Duty

230€ For Appraisal Fee + Stamp Duty

Simulate Home Loan

So you don’t miss anything:

This exemption is for young people aged 18 to 35 who wish to purchase a Primary Residence

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

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*.

Interest rates? Let’s simplify

The Home Loan process doesn’t have to be complicated. Start by choosing the interest rate that makes the most sense for you:

Variable Rate2

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

A flexible rate that changes over time according to Euribor fluctuations.

Fixed Rate3

TAEG 5,3%| 4,6% with optional associated sales*

For those who prefer stability: fixed monthly payments with no surprises.

Blended Rate4

TAEG 4,6% | 3,9% with optional associated sales*

A flexible rate that changes over time according to Euribor fluctuations.

Rate for People with Disabilities5

TAEG 2,1%

An exclusive rate with special conditions for people with disabilities.

Home Loan Step-by-Step

Discover the path to your new home, simply and quickly.

How to simulate your Home Loan

Choose the amount, the interest fee and the term, and send the request. You’ll receive a response within 48h
For this simulation, you’ll also need:

  • Details of the parties involved: Names and dates of birth;
  • Business and property information: Acquisition price, requested amount, and expected property valuation.

Unsure how much you can request?

Use our calculator

To submit a Credit Application, I must provide:

  • Pay Slip (last 3 months)
  • Annual Income Declaration + IRS Settlement Note
  • Land Registry Certificate of the Property
  • Property Passbook (Caderneta Predial)
  • Floor Property Plans

While we conduct the analysis and evaluation, sit back and relax!

On average, we complete the analysis within 48 hours. And during the Evaluation stage, if you’re under 35, you won’t need to pay the Evaluation Fee!

Let’s approve the Credit?

This is the stage where Approval Letters are issued, and you decide whether to accept the Credit conditions.

Additionally, if you’re under 35, you won’t have to pay the Dossier Fee.

We’re ready to prepare the Deed!

What do I need to provide:

  • Energy Certificate or Pre-Certificate
  • Identification documents of the parties involved (Applicants, Guarantors, Attorneys, Beneficiaries)
  • Housing Technical File
  • Housing/Usage License

Almost holding the keys! The Deed is ready.

The day of the Deed has arrived. For this, I need to provide:

  • Title of cancellation for any previous mortgages, if applicable
  • Identification documents of the parties involved
  • Original property documents
  • Declaration of payment of IMT and Stamp Tax on the Purchase and Sale

These are the documents I need to pay for:

  • Deed

And if I’m under 35, I don’t pay:

  • Municipal Tax on Onerous Transfers of Properties (IMT)
  • Stamp Duty on the Transaction
  • Stamp Duty on the Loans
  • Formalization Fee
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Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

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).

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).

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.

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".

Didn't find what you were looking for?

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**Visa Classic Credit Card

Representative example:
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- Home Loan Youth Adults

Advantages:

  • Spread Zero for the first 24 months;
  • Exemption of Initial Commissions: dossier fee €290 + IS, formalization fee €200 + IS and evaluation fee €230 + IS. Total exemption amount €748.80;
  • Rates: Variable; Blended Rate - Fixed rate for the first 2, 3, 5 or 10 years, followed by a variable rate indexed to Euriborr; Fixed Rate from 5 to 30 years.

Conditions are valid exclusively for:

  • Young people aged 18 to 35 (based on the age of the oldest applicant);
  • Purpose of acquiring a permanent own house;
  • With optional associated sales*.

Conditions are valid for new proposals approved until 30/06/2025, and contracts signed by 31/07/2025. Request subject to credit risk analysis.

Operations under any special legal or contractual regimes, namely subsidized ones, as well as credit recovery and/or restructuring operations, are excluded.

Representative example:

Example for a 30-year-old consumer - €100.000 financing; appraised value €150.000; secured by a mortgage on the property; Term 30 years; Product Indexed Settlement Acquisition; initial commissions €748.80; Contract expenses €501,40; Loan opening Stamp Duty €600; Multirisk Insurance €17,91 per month. Subject to credit risk analysis.

TAEG without associated optional sales 4,4% - variable TAN 3,643% (Euribor 12 months of april 2025 of 2,143% e hired spread of 1,50%); Average monthly Life Insurance prize of €13,68; 360 monthly payments of €457,07 – Total Amount Payable by the Consumer of €177.766,82.

TAEG with associated optional sales* 3,7% - variable TAN 2,943% (Euribor 12 months of april 2025 of 2,143% e hired spread of 0,80%); Average monthly Life Insurance prize of €13,11; 360 monthly payments of €418,54 – Total Amount Payable by the Consumer of €162.940,72.

*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 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) - TAEG 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***.

2- Representative example:

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 €501,40; Loan opening Stamp Duty €600; Multirisk Insurance Prize with monthly payments of €17,91. Subject to credit risk analysis.

TAEG without optional associated sales 4,4% - variable TAN 3,643% (Euribor 12 months of april 2025 of 2,143% e hired spread of 1,50%); Average monthly Life Insurance prize of €13,68; 360 monthly payments of €457,07 – Total Amount Payable by the Consumer of €177.766,82.

TAEG with optional associated sales* 3,7% - variable TAN 2,943% (Euribor 12 months of april 2025 of 2,143% e hired spread of 0,80%); Average monthly Life Insurance prize of €13,11; 360 monthly payments of €418,54 – Total Amount Payable by the Consumer of €163.689,52.

*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 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) - TAEG 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***.

3- Representative example:

Example for a 30-year-old consumer - €100.000 financing, with mortgage; appraised value €150.000; 30-year term. Product fixed rate loan, purpose Acquisition, Initial commissions (Formalization and Evaluation Commission) 748,80€; Dossier Commission exempt; Contract expenses €501,40; Stamp duty of Credit opening 600€; Multirisk Insurance, with monthly payments of €17,91. Subject to Credit Risk Analysis.

TAEG without optional associated sales 5,3% - calculated based on a fixed TAN of 4,500% for the entire term of the loan. Average monthly Life Insurance prize of €14,38; 360 monthly instalments of €506,69; Total Amount Imputed to the Consumer of €195.881,82.

TAEG with optional associated sales* 4,6% - calculated based on a fixed TAN of 3,800% for the entire term of the loan. Average monthly Life Insurance prize of €13,81; 360 monthly instalments of €465,96; Total Amount Imputed to the Consumer of €181.014,30.

*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 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) - TAEG 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***.

4- Representative example:

Example for a 30-year-old consumer - Financing of €100.000, with mortgage; appraised value €150.000; term of 30 years. Product Mixed Rate, purpose Acquisition. Initial commissions (Dossier Commission, Formalization and Evaluation) €748,80; Contract expenses €501,40; Stamp duty of Loan opening €600; Multirisk Insurance premium, with monthly payments of €17,91. Subject to credit risk analysis.

TAEG without optional associated sales 4,6% - calculated based on a fixed TAN of 3,850% for the first 60 months and variable TAN of 3,643% (Euribor 12 months of april 2025 of 2,143% and base spread of 1,50%) for the remaining period. Average monthly Life Insurance prize of €13,72; 60 first monthly instalments of €468,81; 300 subsequent monthly instalments of €458,64; Total Amount Imputed to the Consumer of €182.055,92.

TAEG with optional associated sales* 3,9% - calculated based on a fixed TAN of 3,150% for the first 60 months and variable TAN of 2,943% (Euribor 12 months of april 2025 of 2,143% and contracted spread of 0,80%) for the remaining period. Average monthly Life Insurance prize of €13,15; 60 first monthly instalments of €429,74; 300 subsequent monthly instalments of €420,11; Total Amount Imputed to the Consumer of €167.784,13.

*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 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) - TAEG 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***.

5- Representative example:

Exemplo para um consumidor de 30 anos – Financiamento de 100.000€, com hipoteca; valor de avaliação 150.000€; prazo de 30 anos. Produto “Crédito Bonificado para Pessoas com Deficiência", finalidade Aquisição, Comissões iniciais (Comissão de Dossier, Formalização e Avaliação) 748,80€; Despesas de contrato 501,40€; Imposto do selo de abertura de crédito 600€; Prémio de Seguro Vida mensal médio de 17,91€, Prémio de Seguro Multirriscos, com pagamentos mensais de 17,91€. Sujeito a análise de risco de Crédito.

TAEG 2,1% - TAN de 1,549% (corresponde a 65% da taxa de refinanciamento do Banco Central Europeu); 360 prestações mensais de 347,48€ – Montante Total Imputado ao Consumidor de 137.698,04€.

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:

Logotipo Ocidental

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.

Consult here the Regulation of the "Activo bate à porta", which was in effect from 3/3/2025 to 16/5/2025.