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Credit with Benefits for Disabled Persons

Credit with Benefits for Disabled Persons

0.737% TAE

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This type of loan is specifically for the purchase, building or the making of repairs in your own permanent residence and enables civilian disabled people (in accordance with law 64/2014 and with a disability degree of 60% or higher) to take advantage of a subsidized rate.

  • Instalments of capital and interests from the beginning of the loan;
  • Purposes: purchase, transfers, building and repairs in a permanent residence;
  • Terms up to 40 years, with an age limit of 75 years for all proponents;
  • Loan amount up to 80% of the real estate property's evaluation amount with a current ceiling of 190.000 € (updated every year based on the consumer price index).

Fees and Commissions

Credit pricing

0.737% TAE (Annual Effective Interest Rate) (Decree-Law nr. 220/94 of 23 August) and a 0.000% Nominal Rate (corresponding to 65% of the ECB's refinancing rate) for the product "Credit with Benefits for Disabled Persons" for a loan amounting to 85,000 €; a valuation of 120,000 €; 40-year term; one 30-year old holder, monthly instalment of 177.08 €. Early repayments are subject to a 0.5% fee plus Stamp Tax.

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