Mortgage Loans

Our solution for buying your dream home.

(Rate indexed to 6-month Euribor) Solution for financing the purchase of your new home.

Simulate

Characteristics

Cannot retrieve the URL specified in the Content Link property. For more assistance, contact your site administrator.

Purpose

Purchase of a primary or secondary residence and purchase of a garage, provided it is part of the same housing block.

Amount

Minimum of € 5,000.

Maximum amount:
- - Primary Residence: the lower value between 80% to 85% of the appraisal value (subject to the analysis of the proposal) and 90% of the investment value (Acquisition);
- - Secondary Residence: the lower value between 80% of the appraisal value and 80% of the investment value (Acquisition).

Term

Term of up to 40 years provided that the maximum age of the applicants at the end of the loan does not exceed 75 years.

Conditions for spread reduction

Customers who hold the products or services that make up the Vinculação, Ligação, or Proteção Packs benefit from a reduction in the spread assigned to the loan.

Vinculação Pack
Debit and credit card used in the last 3 months, Caixa M, Azul, or Platinum account and Domiciliation of income in the CGD account associated with the loan. Holding all the products in this Pack reduces the spread by 0.25 p.p.

Ligação Pack
Caixa Life Insurance and Home Insurance, paid into the CGD account associated with the loan. Holding all the products in this Pack reduces the spread by 0.25 p.p.

Proteção Pack
Portfolio of deposits, assets, and financial insurance products domiciled with CGD, with capital guarantee at all times, in excess of €10,000, Multicare Health Plans, Unemployment and Medical Leave Insurance, and PPR, with capital guarantee at all times, with scheduled contributions or a minimum balance of €2,500. Holding products in this Pack reduces the spread by up to 0.20 p.p.

The termination, during the term of the loan, of at least one of the products that make up the aforementioned packs gives Caixa the right to terminate the spread reduction granted for holding the respective pack.

Interest Rate

Variable rate indexed to Euribor:
Variable base rate indexed to the 6-month Euribor, plus spread. Mixed rate (Fixed + Variable)

Initial period:
Fixed base rate, from 5 to 35 years, plus spread. Remaining term: Variable rate indexed to the 6-month Euribor, plus spread.

Fixed Rate:
Fixed base rate, from 5 to 35 years, plus spread, applicable throughout the term of the contract.

Mandatory insurance

- Life insurance for all applicants of the credit operation, covering the entire capital amount;
- Property insurance (Multi-risk).

The consumer can choose to take out the mandatory insurance with their preferred insurer, provided that the policy includes the coverage and minimum requirements outlined by Caixa; in this case, they will not benefit from the spread reduction granted by taking out the Ligação Pack.

Repayment

Constant principal and interest payments.

Guarantee

A specific mortgage on the property to be financed must be taken out as collateral for the loan.

Para mais informações dirija-se a uma das nossas Agências ou fale connosco.

Quero ser contactado

Variable rate indexed to Euribor:
APR (TAEG) of 6,7% | Example for a 30-year-old consumer | Financing of € 120,000.00 with a mortgage | Appraisal value of € 150,200.00 | Loan term of 30 years | Variable AGR (TAN) of 5,945%| 6-month Euribor at 3,895%, in March 2024, plus a spread of 2.050% | 360 monthly instalments of € 715.22 | Initial commissions and expenses of € 1,926.75 | Average monthly life insurance premium of € 11.97 | Annual multi-risk insurance premium of € 97.03 | Total Amount Payable (TAP) € 269.648,46 | The interest rate applied for the purpose of acquiring and constructing primary, secondary, or rental housing may assume negative values based on the evolution of the respective benchmark index.
APR (TAEG) of 6,2% | With the following products: Caixa M account with debit card and credit card subscriptions, used in the last 3 months; Caixadirecta; Domiciliation of Income and Life and Multi-risk Insurance from 'Fidelidade - Companhia de Seguros S.A.' | Variable AGR (TAN) of 5.445% | 6-month Euribor at 3.895% (in March 2024), plus a spread of 1.550% | 360 monthly instalments of € 677.21 | Initial fees and expenses of € 1,851.35 | Monthly package account maintenance fee of € 6.30 (plus 4% SD) | Average monthly life insurance premium of € 11.97 | Total Amount Payable (TAP) € 258,059.68 | The interest rate applied for the purpose of acquiring and constructing primary, secondary, or rental housing may assume negative values based on the evolution of the respective benchmark index.

Mixed Rate: Fixed Base Rate at 5 years + Variable:
APR (TAEG) of 6,3% | Financing of € 120,000.00 with a mortgage | Appraisal value of € 150,200.00 | Loan term of 30 years | Fixed AGR (TAN) of 5.050% (Fixed Base Rate at 5 years of 3.000%, plus a spread of 2.050% and a Variable AGR of 5.945% (6-month Euribor at 3.895% in March 2024, plus a spread of 2.050%) | 60 monthly instalments of € 647.86 and 300 monthly instalments of € 706.78 | Initial fees and expenses of € 1,926.75 | Average monthly life insurance premium of € 11.97 | Annual multi-risk insurance premium of € 97.03 | Total Amount Payable (TAP) € 262,993.21 | The interest rate applied for the purpose of acquiring and constructing primary, secondary, or rental housing may assume negative values based on the evolution of the respective benchmark index.
APR (TAEG) of 5,8% | With the following products: Caixa M account with debit card and credit card subscriptions, used in the last 3 months; Caixadirecta; Domiciliation of Income and Life and Multi-risk Insurance from 'Fidelidade - Companhia de Seguros S.A.' | Fixed AGR (TAN) of 4,550% (Fixed Base Rate at 5 years of 3.000%, plus a spread of 1.550%) and a Variable AGR of 5.445% (6-month Euribor at 3.895%, in March 2024, plus a spread of 1.550%) | 60 monthly instalments of € 611.59 and 300 monthly instalments of € 668.66 | Initial fees and expenses of € 1,851.35 | Monthly package account maintenance fee of € 6.30 (plus 4% SD) | Average monthly life insurance premium of € 11.97 | Total Amount Payable (TAP) € 251,472.48 | The interest rate applied for the purpose of acquiring and constructing primary, secondary, or rental housing may assume negative values based on the evolution of the respective benchmark index.

Fixed Base Rate at 5 year:
APR (TAEG) of 5,3% | Example for a 30-year-old consumer | Financing of € 150,000.00 with a property mortgage and the signing of the credit agreement by Authenticated Private Document (APD) | Appraisal value of € 176,470.59 | Loan term of 35 years | Fixed AGR (TAN) of 3.15% (Fixed Rate at 5 years of 2.90% plus a spread of 0.500%) and a Variable AGR of 5.495% (6-month Euribor at 3.895%, in March 2024, plus a spread of 1.60%) | 60 monthly instalments of € 589.91 and 360 monthly instalments of € 778.98 | Initial fees and expenses of € 1,201.10 | Average monthly life insurance premium of € 32.20 | Annual multi-risk insurance premium of € 119.64 | Total Amount Payable (TAP) € 369,850.91.
APR (TAEG) of 5,1% | With the following products: Caixa M account with debit card and credit card subscriptions, used in the last 3 months; Caixadirecta; Domiciliation of Income in the CGD account associated with the loan | Fixed AGR (TAN) of 2.90% (Fixed Rate at 5 years of 2.900%) and a Variable AGR of 5.245% (6-month Euribor at 3.895%, in March 2024, plus a spread of 1.35%) | 60 monthly instalments of € 568.94 and 360 monthly instalments of € 754.37 | Initial fees and expenses of € 457.50 | Monthly package account maintenance fee of € 6.55 (plus 4% SD) | Average monthly life insurance premium of € 31.66 | Annual multi-risk insurance premium of € 119.64 | Total Payable Amount (TPA) € 327,302.22.

30-Year Fixed Rate:
APR (TAEG) of 6,2% | Example for a 30-year-old consumer | Financing of € 120,000.00 with a mortgage | Appraisal value of € 150,200.00 | Loan term of 30 years | Fixed AGR (TAN) of 5.550% (Fixed Base Rate at 30 years of 3.500%, plus a spread of 2,050%) (in April 2024) | 360 monthly instalments of € 685,12 | Initial fees and expenses of € 1,926.75 | Average monthly life insurance premium of € 11.97 | Annual multi-risk insurance premium of € 97.03 | Total Payable Amount (TPA) € 258,664.25.
APR (TAEG) of 5,8% | With the following products: Caixa M account with debit card and credit card subscriptions, used in the last 3 months; Caixadirecta; Domiciliation of Income and Life and Multi-risk Insurance from 'Fidelidade - Companhia de Seguros S.A.' | Fixed AGR (TAN) 5.050% (30-year fixed base rate of 3.500%, plus a spread of 1.550%) (as at April 2024) | 360 monthly instalments of € 647.86 | Initial fees and expenses of € 1,851.35 | Monthly package account maintenance fee of € 6.30 (plus 4% SD) I Average monthly life insurance premium of € 1.97 | Total Amount Payable (TAP) € 247,343.91.