APR 15 Years Fixed Rate of 3.132%.

Example of financing in the 15-year Fixed Rate Home Loan product, in the total amount of €100,000.00, for a purchase price of €130,000.00, for a period of 180 months corresponding to 180 installments with a unit value of 657.42 €. Loan with a fixed TAN (Annual Annual Rate) of 2.300% effective in July 2021. Fee of 2% for partial or total early repayment on the principal (stamp duty is added). Total amount charged to the consumer of €124,419.03. Total cost of credit of €24,419.03.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €100.38 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €260.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including 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 Mixed Rate (15 Years Fixed Rate) of 3.141%.

Example of financing in the Mixed Rate Mortgage Loan product (Fixed Rate 15 years), in the 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 of unitary value of €387.37 and 180 installments with a unit value of €340.54. Loan with a fixed TAN (Nominal Annual Rate) of 2,350% during the first 15 years effective in July 2021. In the following periods, a 6-month Euribor-indexed loan (-0.515%), effective in July 2021, plus a 1.090% spread, resulting in a variable TAN (Nominal Annual Rate) of 0.575%, rounded to the 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). Total amount charged to the consumer of €152,567.51. Total cost of credit of €52,567.51.

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), opening fee of €260.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including 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 1.821%.

Example of financing in the Variable Rate Housing Loan product in the total amount of €100,000.00, for a purchase value of €130,000.00, for a term of 360 months, corresponding to 360 installments of a unit value of €323.25. Loan indexed to the 6-month Euribor (-0.515%), effective in July 2021, plus a spread of 1.550%, resulting in a variable TAN (Annual Annual Rate) of 1.035%, rounded to the 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 €128,947.79. Total cost of credit of €28,947.79.

Example of financing for 2 holders aged 30 years. Includes life insurance charges for 2 holders of €193.95 (average annual amount), compulsory multi-risk insurance of €152.05 (average annual amount), opening fee of €260.00 (including stamp duty), contractual document preparation fee of €416.00 (including stamp duty), appraisal fee of €221.00 (including 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 1 June 2022.

Conditions valid until 09/30/2021. 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.