Green Home Loan Solutions

Example for a 30-year-old consumer - Loan secured by a mortgage of €150,000; property valuation of €187,500; 30-year term. Product Purchase of primary residence. Contract expenses €507.06; Credit opening Stamp Duty €900; Mortgage Cancellation Expenses: €102.96; Monthly Home Insurance Premium €20.01.

If you're between 18 and 35 years old, you also get an exemption from all initial fees when purchasing your primary residence.

• Dossier Fee €290 + ST
• CSetup Fee €200 + ST
• Valuation Fee €230 + ST
• Total reduction amount €748.80

TAEG without optional associated sales 5.2% - Variable TAN (APR) of 4.497% (12-month Euribor as of September, 2026 of 3.247% and base spread of 1.25%); monthly Life Insurance Premium of €21.42; 360 monthly payments of €759.76; Total amount charged to the consumer of €290,686.62.

TAEG with optional associated sales 4.6%^* - Variable TAN (APR) of 3.947% (12-month Euribor as of September, 2026 of 3.247% and contracted spread of 0.70%); monthly Life Insurance Premium of €20.75; 360 monthly payments of €711.55; Total amount charged to the consumer of €272,340.83.

 

 

Subject to credit risk analysis.
The loan is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. The granting of the loan is subject to Banco de Portugal's macro-prudential rules. The applied interest rate (TAN) may become negative, contingent upon the fluctuations of the respective index.

Conditions valid for proposals approved until 30/09/2026 and signed until 31/10/2026.

⁽¹⁾Advertisement. This information does not exempt you from the reading of the legally required pre- contractual and contractual information. Insurance marketed by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental - Companhia Portuguesa de Seguros de Vida, S.A. Subject to credit risk analysis.

Insurer and Insurance Broker

⁽²⁾Benefits are attributed after the credit is contracted and in accordance with the energy classification, which must be proven with the Energy Certificate.

In case of construction, the Energy Certificate, which is essential for the attribution of the benefit, must be presented at the time of requesting the last tranche of the financing.

In addition to the energy rating of the property, the effective collection of the commissions indicated therein is also a condition for the allocation of the amount provided. Which means that in cases of exemption of the File Fee and / or Formalization there will be no allocation of any amount.

⁽³⁾Classic Credit Card: TAEG 15.4% and TAN 13.300% 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.