General Real Estate

 General Real Estate - Home ownership

Interested in buying, building or renovating a house in Portugal?

CGD is the partner you can rely on to make it real.

APR 4.4% | APR 3.9%* (Variable rate indexed to Euribor 12M)

APR 4.7% | APR 4.2%* (5 Year Fixed Rate + Variable Rate)

*For clients subscribing to debit and credit cards with transactions registered in the last 3 months, Caixadirecta, life and building and contents insurance with the insurance company "Fidelidade - Companhia de Seguros, SA".

Product Details


Residential .

Access criteria

Foreign non-residents clients from UK, Ireland, Spain and Germany (other countries need detailed analysis).


Acquisition, construction or renovation of second or holiday home or garage (if simultaneous and part of the same development)


Up to 80% of the property valuation, subject to the maximum value of 80% of the acquisition, construction or home improvements.


Up to 30 years, to be repaid by age 75 (age of the oldest applicant).


Monthly, capital and Interest repayment.

Initial interest rates

Variable interest linked to Euribor 12M(1) or Fixed rate(2), plus interest margin.

Interest rate for the remaining term

Variable indexation or fixed rate, plus interest margin.

Applicable conditions Term

Not applicable.


Applications may be submitted at any of our branches or representative offices (further information and application forms can be downloaded via this website).

For information purposes only, it is possible to have your request evaluated beforehand by the bank by filling out completely the appropriate form.

For a simulation, use the simulator for private clients available on this website (Third party properties only. Simulations will be soon available for all options.).


The law requires all property to be covered for its replacement value by an Insurance company. CGD also requires life insurance for all applicants. 

Required Documents

To obtain a mortgage loan with CGD, the customer must submit to the bank all the required documents and information. Documentation has to be certified in order to be accepted.

Other Conditions

  • Deposit finance of up to 25% of the purchase price is available;
  • Funds for construction-only purposes will be released on a staged basis after valuation. The maximum period for construction is 30 months;
  • All loans are in Euros with a minimum amount of €50.000.

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