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Crédito Pessoal Casa Eficiente

5.6% TAEG

Advantages

The "2020 Efficient House" Programme  aims to grant loans under favourable conditions for credit operations that promote the improvement of the environmental performance of private housing buildings, especially focusing on energy and water efficiency, as well as on waste management.

Total cost

  • Efficient House - Improvements - Fixed Rate: 4.500%
    5.4% TAEG (annual effective interest rate) and 4.500% TAN (annual nominal rate), with monthly instalments of 139.00€ for a simulation of a 10,000€ loan with an 84-month term. Total amount charged to the consumer: 11,940.00€, including interest and Stamp Duty for the use of credit.
  • Efficient House - Appliances- Fixed Rate: 4.500%
    5.6% TAEG (annual effective interest rate) and 4.500% TAN (annual nominal rate), with monthly instalments of 139.84€ for a simulation of a 10,000€ loan with an 84-month term. Total amount charged to the consumer: 12,010.56€, including interest and Stamp Duty for the use of credit and interest.
  • Efficient House - Renewable energy - Fixed Rate: between 2.000 and 3.750%
    4.5% TAEG (annual effective interest rate) and 3.500% TAN (annual nominal rate), with monthly instalments of 135.04€ for a simulation of a 10,000€ loan with an 84-month term. Total amount charged to the Consumer: 11,607.36​€, interest and Stamp Duty for the use of credit and interest​.

Subject to credit risk assessment and to the macro-prudential rules of Banco de Portugal. ​​

Features

  • Between €2,500 and €20,000;
  • From 12 to 84 months. Maximum term of 120 months for the Efficient House - Renewable energy
  • Fixed interest rates depending on the loan's purpose.

How to subscribe

To apply for your Loan go to a Millennium bcp Branch.

Before requesting any credit, you should:

  • Assess the need for the expense you will incur.
  • Consider the amount of the instalment of the new credit, together with the monthly income and expenses of your household and be sure that this new monthly payment will not compromise your budget.
  • Get all the information you deem relevant for making an informed decision before signing the contract.
  • Read the contract carefully and pay attention to the specific conditions of the loan, namely the amount, term, instalments and rates.

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