Our Home Loan could be
the key to your new house.

TAEG 2,1% | 1,5% *with associated optional sales

Simulate Hero Crédito Habitação AB

*Entails the holding of the following products: Domiciliation with the Bank on the current accounts in which the borrowers are the main holders of salary/retirement of the Clients or deposits and/or transfers to the current account related to the loan of €750 month with half-year control of the accumulated value; • Multirisk Insurance associated with the loan (Ocidental Seguros); • Life Insurance associated with the loan (Ocidental Vida).

Looking for Independence? More space?
Comfort?
Whichever the reason…

Buying a house s one of the biggest decisions of your life.

Simulate

If you already bought a house but you want to switch Loans.

We have preferential conditions when you transfer Loans from another institution. (1)

Chaves Crédito Habitação AB

For this big step we have:

Digital process

To simulate or request the Loan, through the App or Site;

Personalized assistance

Through the digital channels, anytime you need!

Great solutions for big decisions.

Learn about the process!

Simulation

Loan request

Property evaluation

Your decision

Approval letter

Documents

Deed in 72h

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Open an Account now(2)

(2)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).

The opening of an account is conditioned to the Client’s Acceptance Policy terms. Minimum amount to open an account: €500(except Activo Salary Accounts, students and online Account Opening - €100).

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) €792.50; Contract expenses €470; Loan opening Stamp Duty €600; monthly fees of €2,86; Multirisk Insurance Prize with monthly payments of €8,61.

TAEG without associated optional sales 2,1% - variable TAN 1,471% (Euribor 12 months of August 2020 of -0,279% e hired spread of 1,750%); Average monthly Life Insurance prize of €13,99; 360 monthly payments of €343.73 – Total Amount Payable by the Consumer of €134.770,71.

TAEG with associated optional sales 1,5% - variable TAN 0,821% (Euribor 12 months of August 2020 of -0,279% e hired spread of 1,100%); Average monthly Life Insurance prize of €13,36; 360 monthly payments of €313.48– Total Amount Payable by the Consumer of €123.654,54.

Entails the holding of the following products:

Domiciliation with the Bank on the current accounts in which the borrowers are the main holders of salary/retirement of the Clients or deposits and/or transfers to the current account related to the loan of €750 month with half-year control of the accumulated value; • Multirisk Insurance associated with the loan (Ocidental Seguros); • Life Insurance associated with the loan (Ocidental Vida).

You must read the pre-contractual and contractual information, as required by law.

Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 101.000.000,00 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 commercialized 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 n.º 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 n.º 501 836 918, and registered under this number at Lisboa Trade Register, with share capital of 12.500.000 Euros.

Subject to credit risk analysis.

ActivoBank 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.




(1) Home Loan transfer from other institutions:

Destined for Clients who wish to transfer to ActivoBank their ongoing Home Loan from another Credit Institution.

You will benefit from the following advantages:

• Dossier fee waiver (€290), appraisal (€230) and formalization (€200)
• Co-payment of the expenses by early liquidation of the transferred capital, up to a maximum of 0,5%
• Waiver of the mutual contract expenses with mortgage of the transferred Home Loan when concluded by Certified Private Document (€526,25).

Conditions valid exclusively for transfers from Other Credit Institutions, if the total amount of the operation is equal or superior to €50.000, the deadline is equal or superior to 10 years and has associated optional sales. Conditions valid for proposals approved until December 31st, 2020 and hired until January 31st, 2021.

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 Transfer, exempt of initial fees (Dossier Fee, Formalization and Evaluation); Contract expenses €65; Processing of monthly fees of €2,86; Multirisk Insurance Prize with monthly payments of €8,61.

TAEG with associated optional sales* 1,4% - variable TAN 0,821% (Euribor 12 months of August 2020 of -0,279% e hired spread of 1,100%); Average monthly Life Insurance prize of €13,36; 360 monthly payments of €313.48– Total Amount Payable by the Consumer of €121.857,04.

*Entails the holding of the following products:

(i) Salary/retirement Client domiciliation for Current Accounts in which the borrowers are the first holders or deposits and/or transfers of €750 per month to the Current Account related with the Loan with half-yearly control of the accumulated amount;
(ii) Multirisk Insurance associated with the loan (Ocidental Seguros);
(iii) Life Insurance associated with the loan (Ocidental Vida).

You must read the pre-contractual and contractual information, as required by law.

Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 101.000.000,00 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 commercialized 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 n.º 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 n.º 501 836 918, and registered under this number at Lisboa Trade Register, with share capital of 12.500.000 Euros.

Subject to credit risk analysis.

ActivoBank 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.