- Online analysis of the request. If it is approved, the agreement is made online and the amount requested is credited into the current account. Valid for Clients with a risk profile matching the product;
- You can choose the duration that suits you best, from 12 to 84 months and the maximum term depends on the value of the loan;
Exclusively available on digital channels. Subject to credit assessment.
Fees and Comissions
- 7.500% Fixed Nominal Rate;
- 10.8% TAEG (annual effective interest rate) and 7.500% TAN (annual nominal rate), with monthly instalments of 100.90 € for a simulation of a 5,000 € loan with an 60-month term. Total amount charged to the consumer: 6,342.00 €, including dossier commission (150€), interest and Stamp Duty for the use of credit on interest and commission.
Campaign valid until June 30, 2020.
Credit is granted subject to Banco de Portugal's macro-prudential rules.
Early Repayment Fee (total or partial) of 0.25% or 0.5% of the capital redeemed early (if there is one year left or less for the end of the term set forth in the contract or if there is more than one year left for the end of the term set forth in the contract, respectively).
After the credit agreement is signed, if you so desire, you may revoke the agreement within 14 calendar days, without the need for justification, under the terms of article 17 of Decree-Law no. 133/2009 of 2 June.
To do so, just contact us through BancoMail, call 707 50 24 24 (personal assistance 24/7) or go to one of our Branches. Calls to 707 50 24 24 are charged at a maximum of 0.10€ per minute if using a land line; if you call this number using a mobile network the maximum charge per minute will be 0.25 €. These charges are subject to VAT.
- Term: from 12 to 60 months for amounts up to 5.000€ and between 12 to 84 months for amounts above 5.000€;
- Amount between 1,000€ and 15,000€;
- Online analysis of the request. If it is approved, the agreement is made online and the amount requested is credited into the current account. Valid for Clients with a risk profile matching the product. Subject to credit assessment.
The effective granting of the credit operations herein presented depends on the prior appraisal and decision on the credit risk and on the eventual provision of valid collaterals required by the Bank.
How to subscribe
Go here to request your Crédito Pessoal Online and just:
- Make a simulation;
- Click on Apply for loan;
- Carefully read and confirm that you read and accept the Standardised Information Form pertaining to this product;
- Fill in the Additional Data if requested;
- Carefully read and confirm that you read and accept the Loan Agreement;
- Confirm that you wish to request the loan.
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.