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.
