Transform your home into a sustainable energy source

Personal Loan +Energia

TAEG 4,5% | TAN 3,100%

Financing to Renewable Energy

Exclusive product of the Pontos Activo and Support Line *

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We are fixed on a better future

Fixed TAN for the entire Loan TAEG 4,5% | TAN 3,100%

Reward for the Eco choice

Return of the Loan origination fee (2% of the amount financed, with a minimum of €20 and a maximum of €300), on presentation of the receipt dated after the financing.

Access to other incentives

Eligibility for other contributions from national funds, such as the Environmental Fund

Sustainability to suit you

Flexibility of term and amount

From 24 to 120 months, according to the amount:

Until 48 months

1.000€ – 3.000€

Until 84 months

3.001€ - 15.000€

Until 120 months

15.001€ – 75.000€

We support the production of +Energy to change the world

+Sustainable daily life

Renewable energy production/storage for self-consumption

+Ecological hot baths

Renewable energy systems for air conditioning and domestic hot water

+Environmentally friendly supply

Creation of charging points for electric vehicles

To simulate, visit us at a Ponto Activo or contact us through the Support* and ask for your Credit, presenting the budget of expenditure to be incurred

Find the Ponto Activo nearest you

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What are the minimum and maximum ages to request a Personal Loan?

The Personal Loan is for Clients between the ages of 18 and 70.

Are there fees for the Personal Loan +Energia request

There is a Loan opeing fee of 2% over the financed value, with with a minimum of €20 and a maximum of €300.

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 the Payment Plan?

The Payment Plan is a projection in time of the payments to be made for the refund of a financing. For the Personal Loan with fixed rate, the settlement of the financing is made through constant instalments, with a monthly frequency (of capital and interest).

Can I give up on my Loan after I hire it?

You can give up on the Loan contract within 14 calendar days from the time of the signature, without specifying any reasons for the dropout, on the terms of article 17.º of Decree-Law n.º 133/2009 June 2nd. You can make this request through our Website or App, call +351 210 030 700 or go to one of our Branches. By giving up on the contract you will have to return the amount that has been loaned to you and pay the accrued interest within 30 days.

Is it possible to make an early, partial or total repayment of my Loan?

Yes, you can do it covered by the Loan’s contract, with 30 days' notice. Early repayment is subject to a fee calculated as follows: early repayment fee of 0.5% of the amount of the capital repaid early, if the period between the time of early repayment and the date stipulated for the end of this contract is greater than one year. If this period is less than or equal to one year, the early repayment fee is 0.25% of the amount of the capital repaid early.

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*Support Line +351 210 030 700, in or outside Portugal. Personalized service on working days and national holidays (8h-22h), Saturdays (10h-20h), Sundays and remaining holidays (12h-20h). Automatic customer service available 24 hours/day. The cost of communications depends on the tariff agreed with your telecommunications operator.

TAEG of 4,5%, TAN of 3,100%, with monthly instalment of 133,14€, for an example of a Loan of 10.000€ to 84 months. Total amount charged to the consumer of 11.567,76€, including a Loan origination fee of €200, interest, Stamp Duty on the use of the Loan and on the interest and commission. Loan opening fee of 2% over the financed amount, with a minimum of €20 and a maximum of €300.

Simulation and Loan application done through the presentation of a budget of the expenses to be incurred. Return of the Loan origination fee (2% of the amount financed, with a minimum of €20 and a maximum of €300), upon presentation of a receipt dated after the financing.

Subject to Credit decision.