APR

Overall annual percentage rate of charge. It measures the total cost of credit to the consumer, expressed as an annual percentage of the amount of credit granted. It differs from APR (annual percentage rate of charge) in that it includes taxes associated with the loan. The overall APR is the cost measure used in mortgage loans, other real estate credits and consumer credit.

Source: Glossary of Banco de Portugal, letter O (consulted on 2022-01-01)