Fixed Rate:
Mixed Rate:
Variable Rate:
Spread:
Insurance premiums and fees:
Binding:
BBVA, in partnership with UCI, offers different solutions so that you can buy your new home with complete peace of mind.
APR
5.116% - Variable Rate indexed to 6-month Euribor
5.135% - Mixed Rate (Fixed Rate for 5 Years):
5.239% - Mixed Rate (Fixed Rate for 10 years):
5.239% - Mixed Rate (Fixed Rate for 15 years)
5.460% - Fixed Rate for 10 years
5.308% - Fixed Rate for 15 years
If you want to move house, leave the surprises behind. Discover the advantages of the home loan solutions that, in partnership with UCI, we have for you:
0.1% reduction in the interest rate on mortgage loans for new properties with A+ and A energy certification.
You can also enjoy the advantages listed above.
Fixed Rate - Indexed to the Fixed Rate of 10 or 15 years, established at the time of contracting the loan and without applying a spread.
Mixed Rate - Fixed Rate of 5, 10 or 15 years, established at the time of contracting the loan and without applying a spread. After the fixed rate period, indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.
Variable Rate - Indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.
Due to the evolution of the index, the interest rate applied to the mortgage loan contract may assume negative values under the terms of Law No. 32.2018, of 18 July.
Decree-Law no. 80-A/2022 of November 25 ceased to be in force on December 31, 2023, with the exception of its article 7, so the exemption from the partial or total early repayment commission in housing loan contracts for the purchase or construction of permanent housing with a variable interest rate remains in force until December 31, 2025.
Due to the evolution of the index, the interest rate applied to the mortgage loan contract may assume negative values under the terms of Law No. 32.2018, of July 18.
Example of financing with the Variable Rate Home Loan product for a total amount of €100,000.00, for a purchase price of €130,000.00, for a term of 360 months, corresponding to 360 installments of €493.23 each. Loan indexed to the 6-month Euribor (2.632%), in force in January 2025, plus a spread of 1.640%, resulting in a variable NIR (Nominal Interest Rate) of 4.272% rounded to the thousandth. Fee of 0.5% for partial or total early repayment on the principal (stamp duty is added). Total amount charged to the consumer of €191,517.24. Total cost of the loan: €91,517.24.
Example of financing for 2 holders aged 30 years. Includes life insurance for 2 holders of €235.37 (average annual value), compulsory multi-risk insurance of €152.05 (average annual value), opening commission of €312.00 (includes stamp duty), commission for preparing contractual documentation of €416.00 (including stamp duty), valuation fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fees of €153.75 (including VAT), solicitor's service of €389.48 (including VAT).
Example of financing in the product Mixed Rate Home Mortgage (5-year Fixed Rate), for a total amount of €100,000.00, for a purchase value of €130,000.00, and for a term of 360 months corresponding to 60 installments with a unit value of €494.28 and 300 installments with a unit value of €493.37. Loan with a fixed NIR (Nominal Interest Rate) of 4.290% for the first 5 years, effective January 2025. In the following periods, 6-month Euribor-indexed loan (2.632%), in force in January 2025, plus a spread of 1.640%, resulting in a variable NIR Nominal Interest Rate of 4.272% rounded to the nearest thousandth. Fee of 2% for partial or total early repayment on the principal during fixed rate periods and 0.5% in variable rate periods (stamp duty is added). Total amount charged to the consumer of €191,904.62. Total credit cost of €91,904.62.
Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €235.62 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).
Example of financing in the product Mixed Rate Home Loan (10-year Fixed Rate), for a total amount of €100,000.00, for a purchase value of €130,000.00, and for a term of 360 months corresponding to 120 installments with a unit value of €500.17 and 240 installments with a unit value of €495.98. Loan with a fixed NIR (Nominal Interest Rate) of 4.390% for the first 10 years in force in December 2024. In the following periods, a 6-month Euribor-indexed loan (3.002%), in force in January 2025, plus a spread of 1.290%, resulting in a variable NIR (Nominal Interest Rate) of 4.292% rounded to the nearest thousandth. Fee of 2% for partial or total early repayment on the principal during fixed rate periods and 0.5% in variable rate periods (stamp duty is added). Total amount charged to the consumer of €194,064.18. Total credit cost of €94,064.18.
Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €236.97 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).
Example of financing in the product Mixed Rate Home Loan (15-year Fixed Rate), for a total amount of €100,000.00, for a purchase value of €130,000.00, and for a term of 360 months corresponding to 180 installments with a unit value of €500.17 and 180 installments with a unit value of €490.24. Loan with a fixed NIR (Nominal Interest Rate) of 4.390% for the first 15 years in force in December 2024. In the following periods, a 6-month Euribor-indexed loan (3.002%), in force in January 2025, plus a spread of 1.090%, resulting in a variable NIR (Nominal Interest Rate) of 4.092% rounded to the nearest thousandth. Fee of 2% for partial or total early repayment on the principal during fixed rate periods and 0.5% in variable rate periods (stamp duty is added). Total amount charged to the consumer of €194,064.18. Total credit cost of €94,064.18.
Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €236.97 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).
Example of financing in the Fixed Rate Home Loan (10-year Fixed Rate) product for a total amount of €100,000.00, for a purchase value of €130,000.00, and for a term of 120 months corresponding to 120 installments with a unit value of €1,031.09. Loan with fixed NIR (Nominal Interest Rate) of 4.390% in force in January 2025. Fee of 2% for partial or total early repayment on the principal (stamp duty is added). Total amount charged to the consumer of €128,447.29. Total credit cost of €28,447.29.
Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €86.38 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).
Example of financing in the Fixed Rate Home Mortgage (15-year Fixed Rate) product for a total amount of €100,000.00, for a purchase value of €130,000.00, and for a term of 180 months corresponding to 180 installments with a unit value of €759.38. Loan with fixed NIR (Nominal Interest Rate) of 4.390% in force in January 2025. Fee of 2% for partial or total early repayment on the principal (stamp duty is added). Total amount charged to the consumer of €142,917.19. Total credit cost of €42,917.19.
Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €107.68 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €312.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including stamp duty), stamp duty on the loan of €600.00, registration fees of €240.00, notary fee of €153.75 (including VAT), lawyer service of €389.48 (including VAT).
The UCI Home Loan is a mortgage-backed credit agreement. This information does not constitute an offer of financial conditions nor does it exempt the interested party from consulting the complete conditions of the product. Conditions valid for contracts entered into within the scope of the Home Loan scheme. If the loan is granted in foreign currency, the installments may increase due to variations in the applicable exchange rate. APR calculated in accordance with Decree-Law No. 74 A / 2017, of June 23. Information updated on January 1, 2025.
Inform yourself at UCI – Unión de Créditos Inmobiliários, SA, Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Branch in Portugal is a branch of a financial institution based in the European Union registered with the Banco de Portugal under number 403 ( UNION DE CRÉDITOS INMOBILIÁRIOS, SA, ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - PORTUGAL BRANCH | Banco de Portugal (bportugal.pt)) which acts in compliance with the legal principles conferred upon it in terms of advertising and consumer information, in particular Bank of Portugal Notice no. 10/2008, which establishes the information and transparency duties to be observed by credit institutions and financial companies in advertising financial products and services.