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Mortgage Simulator

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a Millennium Client.
My goal is
to

Why getting a mortgage with Millennium?

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100% digital

You can track and manage your mortgage application through the app, whenever and wherever you want.

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Premium Service

We handle the collection of documents. Don't waste time your with bureaucracy and, if you can't be present at the deed, we will represent you.

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Advantages for you

When you get a mortgage with Millennium, you have access to discounts and benefits on home security, decoration, among others.

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Exemption from IMT and Stamp Duty
Exemption from IMT and Stamp Duty

If you're under 35, you can benefit from the IMT and Stamp Duty exemption if it's your first permanent home.

View exemptions

Mortgage loan add-ons

For extra security

Get discounts and benefits in relocation services, security, telecommunications, decoration, and much more

View mortgage loan partnerships
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Calculator O Grey

Know how much you can apply for? Discover how much you can borrow to buy a house

Calculate
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Discover our offer for homes that take sustainability to the next level

View sustainable mortgage
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Protect your home with HOMIN insurance An insurance adapted to your needs that gives you several innovative assistance services

View HOMIN insurance
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Premium service

No red tape. We take care of everything

Don't waste time, we collect all the necessary documentation

More flexibility to sign the deed, available on weekdays until 10pm and Saturdays from 9am to 12pm

If you can't be present, we can represent you at the signing

€200 + IVA
€0
Until 31 December, 2024¹
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woman sitting on the sofa with a cup in her hand
€200 + IVA
€0
Until 31 December, 2024¹
woman sitting on the sofa with a cup in her hand
woman sitting on the sofa with a cup in her hand

How to apply for a mortgage loan

All it takes is 6 steps

CH Simulador
Calculate
Calculate
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
CH Avaliacao
Wait for the valuation
Wait for the valuation
The appraiser will visit the property and do a report with the valuation amount.
The appraiser will visit the property and do a report with the valuation amount.
CH Doc Envio
Accept the final conditions
Accept the final conditions
of the loan (valid for 60 days) after the application was approved.
of the loan (valid for 60 days) after the application was approved.
Doc Envio
Collect the documents
Collect the documents
necessary to sign the deed and submit them.
necessary to sign the deed and submit them.
Contrato
Sign the contract
Sign the contract
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Confirmar Notificacao e confirmar app
And that's it!
And that's it!
Congratulations on your new home!
Congratulations on your new home!
What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint

How to apply for a mortgage loan

All it takes is 6 steps

CH Simulador
Calculate
Calculate
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
by choosing the amount, term and rate, send the application and get an answer within 48 hours.
CH Avaliacao
Wait for the valuation
Wait for the valuation
The appraiser will visit the property and do a report with the valuation amount.
The appraiser will visit the property and do a report with the valuation amount.
CH Doc Envio
Accept the final conditions
Accept the final conditions
of the loan (valid for 60 days) after the application was approved.
of the loan (valid for 60 days) after the application was approved.
Doc Envio
Collect the documents
Collect the documents
necessary to sign the deed and submit them.
necessary to sign the deed and submit them.
Contrato
Sign the contract
Sign the contract
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Schedule to sign the contract, be there on the day, accept the terms and pay the taxes. If you can't be there, we can represent you.
Confirmar Notificacao e confirmar app
And that's it!
And that's it!
Congratulations on your new home!
Congratulations on your new home!
What do you need?
What do you need?
To be over 18 years old
To be over 18 years old
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
To submit the latest 3 payslips and the IRS validation code for the credit risk analysis
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint
If you already know the home you are going to buy and want to request the appraisal, submit the Caderneta Predial, the Certidão Permanente and the house blueprint

Frequently asked questions

Questions? We'll help

Millennium provides a loan for a maximum percentage of either the house's purchase price or its appraised value, depending on whichever is lower. The difference between the loan amount and the purchase price is called equity and is paid by you. The maximum term of the loan varies according to the age of the older holder. For example, if you are under 30 years old, the maximum term is 40 years. Between the ages of 31 and 34, the maximum term will be 37 years. From the age of 35, the maximum term will be 35 years, provided that none of the holders exceeds the age of 72 at the end of the loan. The longer the term, the lower your monthly payment (as long as the rest of the conditions remain unchanged).

Millennium provides a loan for a maximum percentage of either the house's purchase price or its appraised value, depending on whichever is lower. The difference between the loan amount and the purchase price is called equity and is paid by you. The maximum term of the loan varies according to the age of the older holder. For example, if you are under 30 years old, the maximum term is 40 years. Between the ages of 31 and 34, the maximum term will be 37 years. From the age of 35, the maximum term will be 35 years, provided that none of the holders exceeds the age of 72 at the end of the loan. The longer the term, the lower your monthly payment (as long as the rest of the conditions remain unchanged).

You can decrease the spread by choosing and regularly using additional products or services (optional associated sales). For instance, things like having your salary deposited, using a credit card, or getting loan-related insurance can help lower the spread.

You can decrease the spread by choosing and regularly using additional products or services (optional associated sales). For instance, things like having your salary deposited, using a credit card, or getting loan-related insurance can help lower the spread.

The spread is the additional interest rate set by  Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).

The spread is the additional interest rate set by  Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).

The European Standard Information Sheet is a document provided by Millennium containing detailed information on all the variables and the particular conditions of your loan.

This document helps you compare offers from different banks, making it easier to decide responsibly before finalizing the loan agreement.

The European Standard Information Sheet is a document provided by Millennium containing detailed information on all the variables and the particular conditions of your loan.

This document helps you compare offers from different banks, making it easier to decide responsibly before finalizing the loan agreement.

The primary house documents necessary for obtaining a mortgage loan include:

  • Permanent Certificate
  • Caderneta Predial (Property Tax Document)
  • Dimensioned Plan
  • Energy Certificate

Additionally, a usage license might be necessary.

Depending on the loan type, there might be additional documents requested as well.

The primary house documents necessary for obtaining a mortgage loan include:

  • Permanent Certificate
  • Caderneta Predial (Property Tax Document)
  • Dimensioned Plan
  • Energy Certificate

Additionally, a usage license might be necessary.

Depending on the loan type, there might be additional documents requested as well.

The insurances required for mortgage loans are life insurance and home insurance. However, it's not mandatory to purchase these insurances from the bank providing the loan.

The insurances required for mortgage loans are life insurance and home insurance. However, it's not mandatory to purchase these insurances from the bank providing the loan.

The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.

The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.

View more questions

Frequently asked questions

Questions? We'll help

Millennium provides a loan for a maximum percentage of either the house's purchase price or its appraised value, depending on whichever is lower. The difference between the loan amount and the purchase price is called equity and is paid by you. The maximum term of the loan varies according to the age of the older holder. For example, if you are under 30 years old, the maximum term is 40 years. Between the ages of 31 and 34, the maximum term will be 37 years. From the age of 35, the maximum term will be 35 years, provided that none of the holders exceeds the age of 72 at the end of the loan. The longer the term, the lower your monthly payment (as long as the rest of the conditions remain unchanged).

Millennium provides a loan for a maximum percentage of either the house's purchase price or its appraised value, depending on whichever is lower. The difference between the loan amount and the purchase price is called equity and is paid by you. The maximum term of the loan varies according to the age of the older holder. For example, if you are under 30 years old, the maximum term is 40 years. Between the ages of 31 and 34, the maximum term will be 37 years. From the age of 35, the maximum term will be 35 years, provided that none of the holders exceeds the age of 72 at the end of the loan. The longer the term, the lower your monthly payment (as long as the rest of the conditions remain unchanged).

You can decrease the spread by choosing and regularly using additional products or services (optional associated sales). For instance, things like having your salary deposited, using a credit card, or getting loan-related insurance can help lower the spread.

You can decrease the spread by choosing and regularly using additional products or services (optional associated sales). For instance, things like having your salary deposited, using a credit card, or getting loan-related insurance can help lower the spread.

The spread is the additional interest rate set by  Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).

The spread is the additional interest rate set by  Millennium. It’s added to the index (monthly average of the 3, 6 or 12 month Euribor) to obtain the nominal annual interest rate (TAN).

The European Standard Information Sheet is a document provided by Millennium containing detailed information on all the variables and the particular conditions of your loan.

This document helps you compare offers from different banks, making it easier to decide responsibly before finalizing the loan agreement.

The European Standard Information Sheet is a document provided by Millennium containing detailed information on all the variables and the particular conditions of your loan.

This document helps you compare offers from different banks, making it easier to decide responsibly before finalizing the loan agreement.

The primary house documents necessary for obtaining a mortgage loan include:

  • Permanent Certificate
  • Caderneta Predial (Property Tax Document)
  • Dimensioned Plan
  • Energy Certificate

Additionally, a usage license might be necessary.

Depending on the loan type, there might be additional documents requested as well.

The primary house documents necessary for obtaining a mortgage loan include:

  • Permanent Certificate
  • Caderneta Predial (Property Tax Document)
  • Dimensioned Plan
  • Energy Certificate

Additionally, a usage license might be necessary.

Depending on the loan type, there might be additional documents requested as well.

The insurances required for mortgage loans are life insurance and home insurance. However, it's not mandatory to purchase these insurances from the bank providing the loan.

The insurances required for mortgage loans are life insurance and home insurance. However, it's not mandatory to purchase these insurances from the bank providing the loan.

The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.

The loan formalization, along with the purchase and sale process, includes expenses such as contract costs, fees, notary fees, and registry fees. These fees are payable to the entities offering these services. You can see the amounts of these expenses in the calculation result.

View more questions

Apply for a mortgage on the app

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Legal information

¹Conditions valid for proposals approved until 31/12/2024, and signed until 31/01/2025.
Example for a 30-year-old consumer – Financing €100,000; Appraisal Value €150,000; 30-year term; Indexed Product Acquisition; Initial Fees €748.80; Contract Expenses €495.62; Stamp Duty on the use of mortgage loan €600; Home Insurance €17.63/month.
TAEG without associated optional sales 5.0% - Variable TAN of 4.191% (Euribor 12 months of October, 2024 of 2,691% and base spread of 1.50%); monthly Life Insurance Premium of €16.66; 360 monthly payments of €488.49; Total amount charged to the consumer of €190,047.11.
TAEG with associated optional sales 4.3% - Variable TAN of 3.441% (Euribor 12 months of October, 2024 of 2,691% and contracted spread of 0.75%); monthly Life Insurance Premium of €15.93; 360 monthly payments of €445.76; Total amount charged to the consumer of €174,397.51.
Meet the following requirements:
  • Get salary paid at Millennium bcp’s account associated with the loan;
  • Fulfil three of the five following requirements/products/services:
    • Credit card with a minimum monthly usage of €100 in payments for purchases and services (with semi-annual monitoring of the accumulated value) - TAEG 15.3%²;
    • Personal loan, ALD, or Car Leasing with a minimum outstanding balance of €1,000;
    • Setting up direct debits for 2 monthly bills (electricity, water, gas, communications);
    • Life insurance associated with the loan at Ocidental Vida³;
    • Home Insurance associated with the credit, sold by Ageas Portugal under the Ocidental brand³.
Subject to credit risk analysis.
The credit is granted by Banco Comercial Português S.A., without credit intermediation, and is guaranteed by a property mortgage.
The granting of credit is subject to the macroprudential rules of the Bank of Portugal.
The interest rate applied (TAN) can assume negative values depending on the evolution of the respective index.
²Classic Credit Card: TAEG 15.3% and TAN 13.200% for a credit limit of €1,500 paid over 12 equal monthly repayments, plus interest and charges. Annual fee €10.40, charged in advance. First charge in the month of card issuance and, in subsequent years, in the same month. Stamp duty included. Subject to credit risk assessment.
Subject to credit risk analysis.
The credit is granted by Banco Comercial Português S.A., without credit intermediation, and is guaranteed by a property mortgage. The granting of credit is subject to the macroprudential rules of the Bank of Portugal. The interest rate applied (TAN) can assume negative values depending on the evolution of the respective index.
³Advertisement
This does not exempt the need to read the legally required pre-contractual and contractual information. Insurance sold by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental - Companhia Portuguesa de Seguros de Vida, S.A.
Insurer and Insurance Broker

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