Go to homepage

Housing Credit

For your new home, whether it is your own home or a second home, we have a Housing Credit full of benefits


Amount Term Rate
Up to 70% of the amount on the proforma invoice Up to 20 Years Luibor 1M + Spread* 7.5%

* Consult the current interest rates.

Repayment terms

  • Standard repayment method
  • Unfaltering installments of principal and interest


Fees and consideration for financial services are subject to a 14% VAT rate, in accordance with Article 12(1)(i) of Law No. 7/19, of 24 April.
The use of credit is taxed according to the term of the credit granted, as follows:
  • Less than one year: 0.5%
  • Greater than one year: 0.4%
  • Equal to or greater than five years: 0.3%
The interest charged is subject to a 0.2% Stamp Duty
Fees for guarantees provided are subject to a 0.5% Stamp Duty
Stamp Duty is levied on the amount of the guarantees (except when materially ancillary), under the following terms:
  • Less than one year: 0.3%
  • Greater than one year: 0.2%
  • Equal to or greater than five years: 0.1%

Useful documents

Housing Loan information sheet
0.06 mb
Housing Loan Check List
0.1 mb

Have doubts? We'll answer them!