Home Loan

If you are thinking about buying a house or moving, we have the right solution for you

With BBVA, moving house is simple and free of surprises.

BBVA, in partnership with UCI, offers different solutions so that you can buy your new home with complete peace of mind.
  • No commitment.
  • Personalized assistance throughout the entire process.
  • Fixed or variable rate.

See how you can get

The conditions of your home loan are always the same and do not depend on the purchase of associated products, which may come at an additional cost to you.

Home Loan

See the features of the Home Mortgage we have for you.
  • Moving house with BBVA is simple and free of surprises.

    Home Loan

    If you want to move house, leave the surprises behind. Discover the advantages of the home mortgage solutions, in partnership with UCI, we have for you:

    • no strings attached.
    • €0 opening fee for BBVA customers.
    • flexible financing term.
    • choose variable, mixed, or fixed rate.
    • personalized support throughout the entire process from your BBVA Advisor and a UCI Advisor.
    • financing of up to 90% of the purchase value or appraisal value of the property (the lower of the two values), when you purchase a permanent home.
    • financing up to 80% of the purchase value or appraisal value of the property (the lower of the two values), for other purposes.

Term

Choose the term you want for your Mortgage Loan
    • Fixed Rate - Term of 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, or 30 years, with a fixed term rate and a limit of 75 years of age at the end of the loan.
    • Mixed Rate - Minimum of 7 years and maximum of 40 years according to the selected product, customer profile, and an age limit of 75 years at the end of the loan.

Interest rate

See the different Interest Rate modalities for your Home Mortgage.
  • Fixed Rate - Indexed to the Fixed Rate of 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, or 30 years, established at the time of contracting the loan and without applying a spread.

    Mixed Rate - Indexed to the Fixed Rate of 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18,19, 20, 21, 22, 23, 24, or 25 years, established at the time of contracting the loan and without applying a spread. After the fixed rate period, indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.

    Variable Rate - Indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions. 

    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 18 July.

Documents

See the relevant documentation of the Home Mortgage.

Information

30 Year Fixed Rate APR of 3.508%.
Example of financing in the 30-year Fixed 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 €405.60. Loan with a fixed Nominal Interest Rate of 2.700% in force in February 2020. Fee of 2% for partial or total early repayment on the principal (stamp duty is added). Total amount charged to the consumer of €159,651.75. Total credit cost of €59,651.75.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €213.92 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), contractual document preparation fee of €416.00 (includes stamp duty), appraisal fee of €221.00 (includes stamp duty), installment processing fee of €1.77 (includes 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).

Mixed Rate APR (Fixed Rate 15 Years) of 3.002%.
Example of financing in the product Mixed Rate Home Mortgage (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 €379.70 and 180 installments with a unit value of €341.33. Loan with a fixed Nominal Interest Rate of 2.200% for the first 15 years in force in February 2020. In the following periods, a 6-month Euribor-indexed loan (-0.330%), in force in February 2020, plus a spread of 1.190%, resulting in a variable Nominal Interest Rate of 0.860% 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). The total amount payable by the consumer is €150,123.52. Total loan cost of €50,123.52.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €207.08 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), contractual document preparation fee of €416.00 (includes stamp duty), appraisal fee of €221.00 (includes stamp duty), installment processing fee of €1.77 (includes 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 Variable Rate of 2.221%.
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 €341.29. 6-month Euribor-indexed loan (-0.330%), in force in February 2020, plus a spread of 1.750%, resulting in a variable Nominal Interest Rate of 1.420% 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 €135,977.84. Total credit cost of €35,977.84.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €196.43 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), contractual document preparation fee of €416.00 (includes stamp duty), appraisal fee of €221.00 (includes stamp duty), installment processing fee of €1.77 (includes 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).

Inquire at UCI – Unión de Créditos Inmobiliários, S.A. Establecimiento Financiero de Crédito (Sociedad Unipersonal) – Branch in Portugal, lending institution registered with Bank of Portugal under code 403 as a Credit Institution. The UCI Home Mortgage 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 Mortgage 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 February 1, 2020.

Conditions valid until 12.31.2020. BBVA acts as an affiliated and non-exclusive lending agent, providing the following services: consumer home mortgage agreement proposals/submissions and providing assistance to consumers by performing preparatory acts. The granting of home mortgages is the sole responsibility of UCI - Unión de Créditos Inmobiliários, S.A.E.F.C. - Branch in Portugal.

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