Representative examples.

EAR of 5,0% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 4,202%, resulting from adding a spread of 1.20% to the Euribor index for 6 months of November 2024 (3,002%- average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €489,13. The Total Amount attributed to the Consumer is €190.486,78.

Finance example for €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,79.

EAR of 4,6%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3,802%, resulting from the added spread of 0.80% to the Euribor index to 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €466,07. The Total Amount Attributed to the Consumer is €182.016,89.

Finance example for €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,33.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

EAR of 4,9% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (2,900% fixed rate, November 2024 value, plus 1 .20%). In the remaining period, the Variable TAN is 4,202%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €460,28 and 336 monthly installments of €487,58. The Total Amount Attributed to the Consumer is €189.250,67.

Funding example of €100,000.00, for 30 years, for 2 joint account holders for a 30-year period, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Account Deposit; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,73.

APR of 4,5%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,300% during the 2-year fixed rate period (fixed rate of 2.900%, value of November 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 3,802% resulting from the added spread of 0.80%, to the Euribor index for the 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €437,96 and 336 monthly installments of €464,51. The Total Amount Attributed to the Consumer is €180.796,68.

Funding example of €100,000.00, for 30 years, for 2 joint account holders for a 30-year period, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Account Deposit; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,27.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

EAR of 5,2% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.400% over the 30-year fixed rate period (3.200% fixed rate, November 2024 value, plus spread 1.20%). 360 monthly installments of €500,76. The Total Amount Attributed to the Consumer is €194.753,33.

Example of funding of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): 78,60€; Life Insurance (monthly average value): 20,02€.

EAR of 4,8%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 30-year fixed rate period (fixed rate of 3.200%, value of November 2024, plus a spread of 0.80%). 360 monthly installments of €477,42. The Total Amount Attributed to the Consumer is €186.180,53.

Example of funding of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): 78,60€; Life Insurance (monthly average value): 19,56€.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 4,8% for a funding example with a Variable Nominal Annual Rate (TAN) of 4,202%, which results from the added spread of 1.20% to the Euribor index for 6 months of November 2024 (3,002% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €489.13. The Total Amount Attributed to the Consumer is €188.813,23.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of a loan for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,79.

APR of 4,4%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of 3,802%, which results from the added spread of 0.80% to the Euribor index to 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €466,07. The Total Amount Attributed to the Consumer is €180.343,34.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of a loan for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,33.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 4,8% for a financing example with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (2,500% fixed rate, November 2024 value, plus spread of 1.20%). In the remaining period, the Variable TAN is 4,202%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 24 monthly installments of €460,28 and 336 monthly installments of €487,58. The Total Amount Attributed to the Consumer is €187.577,12.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and finance/guarantee ratio of 80%, intended for the transfer of credit for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,73.

APR of 4,4%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3,300% during the 2-year fixed rate period (fixed rate of 2,500%, value of November 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 3,802% resulting from the addition of the spread of 0.80%, to the Euribor index for the 6 months of November 2024 (3,002% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €437,96€ and 336 monthly installments of €464,51. The Total Amount Attributed to the Consumer is €179.123,13.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and finance/guarantee ratio of 80%, intended for the transfer of credit for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,27.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5,0% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.400% over the 30-year fixed rate period (3.200% fixed rate, November 2024 value, plus a spread of 1.20%). 360 monthly installments of €500,76. The Total Amount Attributed to the Consumer is €193.079,78.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of loans for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €20,02.

APR of 4,6%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4,000% during the 30-year fixed rate period (fixed rate of 3.200%, value of November 2024, plus a spread of 0.80%). 360 monthly installments of €477,42. The Total Amount Attributed to the Consumer is €184.506,98.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of loans for permanent home ownership. Commissions and Expenses at the beginning of the term: €746,33; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19,56.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5,0%, for a funding example with a Variable Nominal Annual Rate (TAN) of 4,302%, resulting from the added spread of 1.30%, to the Euribor index for 6 months of November 2024 (3,002% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €494,99. The Total Amount Attributed to the Consumer is €191.622,96.

Finance example of €100,000.00, for 30 years, for 2 joint account holders, for 30 years of age, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €19,91.

APR of 4,6%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 3,902%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €471,78. The Total Amount Attributed to the Consumer is €183.104,12.

Finance example of €100,000.00, for 30 years, for 2 joint account holders, for 30 years of age, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €19,44.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 4,9% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,800% during the 2-year fixed-rate period (2,500% fixed rate, November 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 4,302% resulting from the added spread of 1.30%, to the Euribor index for the 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €465,96 and 336 monthly installments of €493,44. The Total Amount Attributed to the Consumer is €190.384,45.

Finance example of €100,000.00, for 30 years, for 2 joint account holders of 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €19,84.

APR of 4,5%, considering the optional subscription of products/services*, for a funding example of financing with a Fixed Nominal Annual Rate (TAN) of 3,400% during the 2-year fixed-rate period (fixed rate of 2,500%, value of November 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 3,902% resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of November 2024 (3,002% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €443,48 and 336 monthly installments of €470,23. The Total Amount Attributed to the Consumer is €181.877,04.

Finance example of €100,000.00, for 30 years, for 2 joint account holders of 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €19,38.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5,2% for a finance example with a Fixed Nominal Annual Rate (TAN) of 4.500% over a 30-year fixed-rate period (3.200% fixed-rate, November 2024 value, plus a spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €195.913,00.

Funding example of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €20,13.

APR of 4,8%, considering the optional subscription of products/services*, for an example of funding with a Fixed Nominal Annual Rate (TAN) of 4.100% during the 30-year fixed-rate period (fixed-rate of 3.200%, value of November 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €187.294,24.

Funding example of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €19,67.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5,0%, for a finance sample with a Variable Nominal Annual Rate (TAN) of 4,302%, which results from an added spread of 1.30%, to the Euribor index for 6 months of November 2024 (3,002% - simple arithmetic average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €494,99. The Total Amount Attributed to the Consumer is €191.831,76.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €19,88.

APR of 4,6%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 3,902%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €471,78. The Total Amount Attributed to the Consumer is €183.312,92.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €19,44.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 4,9% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,800% during the 2-year fixed-rate period (2,500% fixed rate, November 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 4,302% resulting from the added spread of 1.30%, to the Euribor index for the 6 months of November 2024 (3,002% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €465,96 and 336 monthly installments of €493,44. The Total Amount Attributed to the Consumer is €190.593,25.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €19,84.

APR of 4,5%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3,400% during the 2-year fixed rate period (fixed rate of 2,500%, value of November 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 3,902%, resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of November 2024 (3,002% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €443,48 and 336 monthly installments of €470,23. The Total Amount Attributed to the Consumer is €182.085,84.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €19,38.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5,2% for a financing example with a Fixed Nominal Annual Rate (TAN) of 4.500% over the 30-year fixed rate period (3,200% fixed rate, November 2024 value, plus spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €196.121,80.

Example of financing of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €20,13.

APR of 4,8%, considering the optional subscription of products/services*, for a funding example of with a Fixed Nominal Annual Rate (TAN) of 4.100% during the 30-year fixed rate period (fixed rate of 3.200%, value of November 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €187.503,04.

Example of financing of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €19,67.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 11,7% for a funding example with a Variable Nominal Annual Rate (TAN) of 7,391%, which results from the addition of the spread of 4.70% (without mortgage guarantee), to the Euribor index for 12 months of November 2024 (2,691% - average of the daily Euribor 12-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 11 monthly installments of €63,64 and 1 installment of €10.061.59. The Total Amount Attributed to the Consumer is €11.089,33.

Funding example of €10,000, for 12 months, with a period of use of 11 months. Commissions and Expenses at the beginning of the term: €351.60; Commissions during the term (monthly): €0; Life Insurance: not mandatory.

APR of 5,7% for a funding example with a Variable Nominal Annual Rate (TAN) of 4,202% resulting from the added spread of 1.20%, to the Euribor index for 6 months of November 2024 (3,002% - simple arithmetic average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €249,50. The Total Amount Attributed to the Consumer is €102.365,77.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €157.20 (only subscribing to multi-risk insurance for the property); Life Insurance (average monthly value): €10,00.

APR of 5,3%, considering the optional subscription of products/services*, for an example of funding with a Variable Nominal Annual Rate (TAN) of 3,802%, which results from the addition of the spread of 0.80%, to the Euribor index to 6 months of November 2024 (3,002% -  average of the daily Euribor 6-month quotations  of the previous month, on a 360-day basis rounded to the thousandth) - 360 monthly installments of €237,39. The Total Amount Attributed to the Consumer is €97.918,65.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €157.20 (only subscribing to multi-risk insurance for the property); Life Insurance (average monthly value): €9,75.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 6,5% for a funding example of funding with a Variable Nominal Annual Rate (TAN) of 5,202%, resulting from the added of spread of 2.20%, to the Euribor index for 6 months of November 2024 (3,002% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €281,08. The Total Amount Attributed to the Consumer is €110.410,75.

Finance example of €50,000.00 of a Multifunction Loan, for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €39.24; Life Insurance (average monthly value): €10,58.

APR of 6,0%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of  4,802% resulting from the added spread of 1.80%, to the Euribor index to the 6th month of November 2024 (3,002% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €268,23. The Total Amount Attributed to the Consumer is €105.699,50.

Finance examples of €50,000.00 of a Multifunction Loan, for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €39.24; Life Insurance (average monthly value): €10,35.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 2,9%, for an example of financing with a Variable Nominal Annual Rate (TAN) of 2,188% - 360 monthly installments of €511,77. The Total Amount Attributed to the Consumer is €200.677,71.

Funding example of €135,000.00, 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,629.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €94.32; Life Insurance (average monthly value): €23,57.