The account opening is subject to the Customer Acceptance Policy. Minimum account opening amount: €250.

Mortgage Loan Representative Examples

MORTGAGE LOAN SOLUTIONS - ACQUISITION/CONSTRUCTION - Example for a 30-year-old consumer: Financing of €100,000, with mortgage; valuation amount €150,000; LTV 67%; 30-year term. Indexed Product. Contract Expenses €495.62; Stamp Tax on the use of mortgage loan €600; Home insurance premium, with monthly payments of €17.63.

TAEG WITHOUT OPTIONAL ASSOCIATED SALES 4.8% - Variable TAN (APR) of 4.006% (Euribor 12 months of November, 2024 of 2,506% and base spread of 1.50%); Initial fees (Dossier, Setup and Valuation Fees) of €748.80, monthly Life Insurance Premium of €13.56; 360 monthly payments of €477.76; Total amount charged to the consumer of €185,066.13.

TAEG WITH OPTIONAL ASSOCIATED SALES 4.1% - Variable TAN (APR) of 3.306% (Euribor 12 months of November, 2024 of 2,506% and contracted spread of 0.80%); Initial fees (Dossier and Setup Fees) of €254.80; Valuation Fee €239.20; monthly Life Insurance Premium of €13.56; 360 monthly payments of €438.29; Total amount charged to the consumer of €170,646.93.
Requires the purchase of the following products:
• Direct deposit of salary to the account associated with the loan;
• Credit card with a minimum usage of €100/month - TAEG 15.3%.
• Home insurance associated with the mortgage at Ocidental³;
• Life insurance associated with the mortgage at Ocidental Vida³.

MORTGAGE LOAN SOLUTIONS - TRANSFER - Example for a 30-year-old consumer - €100,000 financing, with mortgage; €150,000 valuation amount; LTV of 67%; 30-year term. Indexed Instalment Product; purpose Credit Transfer; Home insurance premium with monthly payments of €17.63.

TAEG WITHOUT OPTIONAL ASSOCIATED SALES 4.7% - Variable TAN (APR) of 4.006% (Euribor 12 months of November, 2024 of 2,506% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80; Contract Expenses (Charges, Online Certificate and Mortgage Cancellation) €624.78; monthly Life Insurance Premium of €13.56; 360 monthly payments of €477.76; Total amount charged to the consumer of €184.595.29.

TAEG WITH OPTIONAL ASSOCIATED SALES 3.9% - Variable TAN of 3,306% (Euribor 12 months of November, 2024 of 2,506% and contracted spread of 0.80%); Initial Fees (Dossier, Setup and Valuation Fees) exempt; Contract Expenses (Online Certificate and Mortgage Cancellation) €65; monthly life Insurance Premium of €13.56; 360 monthly payments of €438.29; Total amount imputed to the consumer of €169,075.51.
Requires the purchase of the following products:
• Direct deposit of salary to the account associated with the loan;
• Credit card with a minimum usage of €100/month - TAEG 15.3%;
• Home insurance associated with the mortgage at Ocidental³
• Life insurance associated with the mortgage at Ocidental Vida³.

Mortgage is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. Subject to Banco de Portugal’s macro-prudential rules. The interest rate applied (TAN) may be negative depending on the evolution of the respective index.

Personal Loan Representative Examples

PERSONAL LOAN SOLUTIONS
TAEG without optional associated sales 14.2%, TAN 11.250%, with a monthly payment of €174.93 for a loan of €10,000 over 84 months. Total amount charged to the consumer: €15,182.12, including €300 Dossier fee, interests, and Stamp Tax for the use of the loan.
TAEG with optional associated sales of 12.0%, TAN 9.750%, with monthly installments of €166.74 for a loan of €10,000 over 84 months term. Total amount charged to the consumer: €14,384.96, including €195 Dossier fee, interests and Stamp Tax for the use of the loan.
Requires the purchase of salary paid to a Millennium account or deposit of funds of at least €500 per month or €3,000 per semester, in the account where the loan installments are paid.

Subject to credit risk assessment and customer acceptance policy.

Conditions valid for proposals approved until 30/09/2024 and contracted until 31/10/2024.

All indicated fees are subject to Stamp Tax.

¹Discounts apply to the total premium payable, without the cost of policy issuance and documentation.

³Advertisement. The information on insurances does not exempt the reading of the legally required pre-contractual and contractual information. Insurances sold by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental - Companhia Portuguesa de Seguros de Vida, S.A.

Representative examples of Integrated Banking Products and Services Solutions for Individual Customers

Millennium GO! Universitário has a package account maintenance fee of 0€/month if you are between 18 and 25 years old and provide proof of enrollment in a university or polytechnic. Only €1/month if you are between 26 and 30 years old or between 18 and 25 years old and do not provide proof of enrolment at a university or polytechnic; receive a salary of €500 or more at Millennium and subscribe to the Digital Statement, otherwise the fee is €3.5/month. Plus Stamp Duty.

Cliente Frequente has an account maintenance fee of €5 and €6, which varies according to the financial involvement with Millennium. Otherwise, the fee is €8.

Plano Mais Colaborador discount conditions: 1st account holder must get paid their salary from a company with a commercial agreement to have access to an account maintenance fee of €4 or €6, according to the following conditions:

Prestige Program has a package account maintenance fee with monthly and post-delivery debits of €5 and €6 + Stamp Duty, which varies depending on age and financial involvement with the Bank. Otherwise, the fee is €15 + Stamp Duty (maximum annual amount €187.20, Stamp Duty included). Access to the lowest price bracket, €5, requires membership of the digital documents service. Discount criteria for the Mais Colaborador Plan: 1st holder client who pays their salary from a company with a commercial agreement - monthly package account maintenance fee of €4 + Stamp Duty, according to the following:

FA=Financial Assets: Sum of the average balances of the 1st holder current accounts, savings, and investments; purchases with cards: withdrawals, cash advance transactions, free-meal cards and cards of non-depositing Customers (ex: TAP) will not be considered in the calculation of monthly debit and/or credit card purchases. Cards of non-depositing Customers will be considered if they are linked to the current account.

Credit Cards and Transfers Representative Examples

CREDIT CARDS
²Classic: TAEG 15.2% and TAN 13.100% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €10. Subject to credit risk assessment.
GO! TAEG 13.7% and TAN 13.100% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €30. Subject to credit risk assessment.
Gold Prestige: TAEG 17.6% and TAN 12.400% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €30. Subject to credit risk assessment.
The issue of a credit card depends on the prior acceptance and subscription of the Specific and General Conditions for the use of the credit card.

MB WAY TRANSFERS IN THE MILLENNIUM APP
Exempt from the payment of the 0.1% or 0.2% fee on the transfer amount, depending on whether it is made by debit or credit card respectively for amounts that exceed €30 per transaction, or €150 transferred in one month, or 25 transfers made in one month. All the fees indicated are subject to Stamp Tax.

Banco Comercial Português, S.A., registered office at Praça D. João I, 28, 4000-295 Oporto, registered at the Commercial Registry Office of Oporto with the single commercial registration and TIN 501 525 882 and having a share capital of 3,000,000,000 Euros. Insurance broker, registered under nr. 419527602, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorisation for the mediation of life and non-life insurance. Information and other registration details may be verified at www.asf.com.pt. The Mediator is not authorised to enter into insurance contracts on behalf of the Insurance Companies nor to receive insurance premiums to be delivered to the Insurance Company. The Mediator does not assume the cover of the risks inherent to the insurance contract. These risks are fully assumed by the Insurance Company.

Life insurance:
Ocidental - Companhia Portuguesa de Seguros de Vida, S.A., registered office Praça Príncipe Perfeito 2, 1990-278 Lisboa. Single registration and TIN 501836926. CRC Lisboa. Share Capital 22.375.000 Euros. ASF Registration 1024, www.asf.com.pt.

Non-life insurance:
Ageas Portugal - Companhia de Seguros, S.A., registered office Praça Príncipe Perfeito 2, 1990-278 Lisboa. Single registration and TIN 503454109. CRC Porto. Share Capital 7.500.000 Euros. ASF Registration 1129, www.asf.com.pt.

Médis - exclusive and registered trademark of the products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., insurer, reinsurer and manager of the integrated health care system underlying the insurance policies issued by Ocidental or by other insurers under its authorization.

Contact us through our dedicated e-mail
plano.maiscolaborador@millenniumbcp.pt