Mortgage Loans
Our solution for buying your dream home.
Characteristics
To buy a house, count on Caixa.
Have you found your dream home? Here you'll find a solution tailored to your financing needs.
Customised solutions
Quick decision-making
Effortless contracting
Here's a practical example
Susana is now more certain about the future...
She bought her new home with a Caixa Mortgage and took advantage of the new Fixed Rate campaign, saving €201,25 on her following month’s installment*.
- Loan €150.000
- 35-year term
- Fixed installment for the first 5 years
- AGR (TAN) of 2,90% with the subscription to the Vinculação Pack
- APR (TAEG) of 5,8% or 5,0% with the subscription to the Vinculação Pack and formalisation by Authenticated Private Document - DPA
- Exemption from initial commissions
* Estimated savings considering the subscription to the Vinculação Pack and formalisation by Authenticated Private Document - DPA and comparing it with the contracting of a €150,000 loan for 35 years, with a 6-month Euribor rate (referring to May) and a spread of 1.35%.
Pack Vinculação
Account Caixa M with subscription of debit and credit card used in the last 3 months; Caixadirecta; Domiciliation of income in the CGD account associated with the loan.
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.
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.
Variable rate indexed to Euribor:
APR (TAEG) of 6,6% | 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 5,837%| 6-month Euribor at 3,787%, in May 2024, plus a spread of 2,050% | 360 monthly instalments of € 706,93 | Initial commissions and expenses of € 1.926,75 | Average monthly life insurance premium of € 12,11 | Annual multi-risk insurance premium of € 97,03 | Total Amount Payable (TAP) € 266.729,86 | 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 6,0% | 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 5,337% | 6-month Euribor at 3,787% (in May 2024), plus a spread of 1,550% | 360 monthly instalments of € 669,13 | 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 € 12,11 | Total Amount Payable (TAP) € 255.213,25 | 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 5,250% (Fixed Base Rate at 5 years of 3,200%, plus a spread of 2,050% and a Variable AGR of 5,837% (6-month Euribor at 3,787% in May 2024, plus a spread of 2,050%) | 60 monthly instalments of € 662,65 and 300 monthly instalments of € 701,49 | Initial fees and expenses of € 1,926.75 | Average monthly life insurance premium of € 12.11 | Annual multi-risk insurance premium of € 97,03 | Total Amount Payable (TAP) € 262.386,63 | 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.', with payment into the CGD account affects the loan | Fixed AGR (TAN) of 4,750% (Fixed Base Rate at 5 years of 3,200%, plus a spread of 1,550%) and a Variable AGR of 5,337% (6-month Euribor at 3,787%, in May 2024, plus a spread of 1,550%) | 60 monthly instalments of € 625,98 and 300 monthly instalments of € 663,61 | 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 € 12,11 | Total Amount Payable (TAP) € 250.912,21 | 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.
Fixed Base Rate at 5 year:
APR (TAEG) of 5,8% | 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 4,80% (Fixed Rate at 5 years of 3,20% plus a spread of 1,60%) and a Variable AGR of 5,387% (6-month Euribor at 3,787/%, in May 2024, plus a spread of 1,60%) | 60 monthly instalments of € 738,01 and 360 monthly instalments of € 788,72 | Initial fees and expenses of € 1.201,10 | Average monthly life insurance premium of € 32,78 | Annual multi-risk insurance premium of € 119,64 | Total Amount Payable (TAP) € 348.274,27.
APR (TAEG) of 5,0% | 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 and formalisation by Authenticated Private Document | Fixed AGR (TAN) of 2,90% (Fixed Rate at 5 years of 2,900%) and a Variable AGR of 5,137% (6-month Euribor at 3,787%, in May 2024, plus a spread of 1,35%) | 60 monthly instalments of € 568,94 and 360 monthly instalments of € 745,26 | Initial fees and expenses of € 457,50 | Monthly package account maintenance fee of € 6,55 (plus 4% SD) | Average monthly life insurance premium of € 31,48 | Annual multi-risk insurance premium of € 119,64 | Total Payable Amount (TPA) € 323.947,51.
30-Year Fixed Rate:
APR (TAEG) of 6,4% | 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 5,750% (Fixed Base Rate at 30 years of 3,700%, plus a spread of 2,050%) (in June 2024) | 360 monthly instalments of € 700,29 | Initial fees and expenses of € 1.926,75 | Average monthly life insurance premium of € 12,11 | Annual multi-risk insurance premium of € 97,03 | Total Payable Amount (TPA) € 264.306,31.
APR (TAEG) of 6,0% | 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.', with payment into the CGD account affects the loan | Fixed AGR (TAN) 5,250% (30-year fixed base rate of 3,700%, plus a spread of 1,550%) (as at June 2024) | 360 monthly instalments of € 662,64 | 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 € 12,11 | Total Amount Payable (TAP) € 252.843,39.
Other solutions with special conditions
If you're buying a house and are looking for a loan to finance the down payment, this solution is for you.
If you want to buy, build, or renovate a property exclusively for rental purposes this solution is for you.
If you're disabled we have a financing solution for you.
If you are Caixa Azul customer and want to benefit from exclusive financing conditions, this solution is for you.
Process and necessary documents
Simulate the loan and find out how much you'll pay.
- Create your personalised simulation
- Select 'Save simulation' and get the FINE
Gather the necessary documents.
- Applicant's identification documents
- Last income statement
- Information on Regular Expenses
- Last 3 payment slips
- Employer's Statement
Schedule the property appraisal.
- Updated Property Registry Certificate.
- Updated Property Tax Certificate
- Plans
- Use/building/construction permit
Lastly, sign the deed.
- Seller's identification documents
- Energy certificate
- Proof of IMT (Property Transfer Tax) payment
- Declaration of pre-emption rights/sales notices
Frequently asked questions
What is the spread?
The Spread is a component of the Interest Rate, determined by the bank on a contract-by-contract basis and which varies according to the customer's profile, the characteristics of the financing, and the loan guarantees.
What is the FINE?
The FINE - European Standardised Information Sheet is a mandatory document issued by the bank that contains the terms and conditions of a home loan agreement. It must be provided when a customer requests a loan simulation for purchasing a house and simultaneously with the communication of the approval of the loan agreement, along with the draft of the loan agreement.
What is the effort rate?
The effort rate is the percentage of household income allocated to the payment of loan instalments.
Can I secure full financing for my house?
CWith Caixa's real estate Leasing solution, you can buy, build, or renovate your primary, secondary or rental residence, or purchase a garage.
Up to 100% of the acquisition value, provided that the appraisal value is equal to or greater than the total amount of the financing
I want to build my new house. What should I do?
The first step is to contact the City Council and submit a Request for Prior Information (PIP). Even though it is optional, this request allows you to gain a better understanding of the feasibility of the construction project. Then, come and talk to us.