Under the terms of Decree-Law 80-A/2022, of November 25, until December 31, 2024, early repayment of credit agreements for the purchase or construction of permanent home ownership, covered by Decree-Law 74-A/2017 of June 23, is exempt from any commission, regardless of the amount owed, whenever early repayment occurs in a variable-rate period.

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.

APR of 5.501% - Variable rate indexed to the 6-month Euribor

Example of financing in the Variable Rate Home Mortgage product, 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 360 installments with a unit value of €515.16. A 6-month Euribor-indexed loan (3.002%), in force in November 2024, plus a spread of 1.640%, resulting in a variable NIR (Nominal Interest Rate) of 4.642% rounded to the nearest 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 €199,561.58. Total credit cost of €99,561.58.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €240.37 (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).

APR of 5.362% - Mixed Rate (Fixed Rate for 5 Years) 

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 €512.41. Loan with a fixed NIR (Nominal Interest Rate) of 4.290% for the first 5 years in force in November 2024. In the following periods, a 6-month Euribor-indexed loan (3.002%), in force in November 2024, plus a spread of 1.640%, resulting in a variable NIR (Nominal Interest Rate) of 4.642% 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 €197,446.92. Total credit cost of €97,446.92.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €239.15 (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).

APR of 5.239% - Mixed Rate (10-year Fixed Rate) 

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 November 2024. In the following periods, a 6-month Euribor-indexed loan (3.002%), in force in November 2024, 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).

APR of 5.239% - Mixed Rate (15-year Fixed Rate) 

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 NIR (Nominal Interest Rate) of 4.390% for the first 15 years in force in November 2024. In the following periods, a 6-month Euribor-indexed loan (3.002%), in force in November 2024, 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).

APR of 5.460% - 10-Year Fixed Rate

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 as of November 2024. 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).

APR of 5.308% - Fixed Rate for 15 years

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 as of November 2024. 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 November 1, 2024.

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.

* Commission suspended until December 31, 2024, as provided for in article 7 of Decree-Law no. 80-A/2022, of November 25. This suspension applies to credit contracts for the purchase or construction of own permanent housing, covered by Decree-Law no. 74-A/2017, of June 23, regardless of the amount owed, as long as the early repayment occurs within a variable rate.