Youth Mortgage
Hey Millennials and Gen Z: it's time to have your own space!
If you want to move out of your parents' house, stop sharing a house with friends, or stop paying rent, now it's easier. With Banco Montepio, you also have other advantages, from a fixed installment for 2 years to receiving up to 1.1% of the loan amount back in a Worten card. What are you waiting for?
Want to buy a house with no down payment?
Are you between 18 and 35 years old and need 100% financing? With the State's personal guarantee, the bank can finance 100% of the purchase of your first home, and you no longer need to have your own capital for the down payment.
Do taxes take a big chunk of your budget?
It may not be the case, as you can also benefit from exemptions on the Municipal Tax on Onerous Property Transfers (IMT), Stamp Duty (IS), and even on registrations.
Mixed rate (fixed and variable)
Fixed installment for 2 years and we refund the spread.
Apply for a loan for purchase, transfer, construction, or renovations, with a fixed rate for the first 2 years of the contract, where we refund the spread of each monthly installment during this period. From the 3rd year onwards, the rate becomes variable.
Worten prepaid card
Get back up to 1.1% of your credit in a Worten card.
If you buy a house or transfer the credit from another bank, you receive 1% of the value of your loan, or 1.1% if the house has an A or A+ energy certificate.
Financing up to 100%
Finance up to 100% of the mortgage if you adhere to the State's Personal Guarantee. If you do not adhere to the guarantee, finance up to 90% of the appraisal value of the house you will live in, and up to 80% for a second house.
Fixed, variable, or mixed interest rate?
The fixed rate is valid for periods up to 30 years and always remains the same. The variable rate follows the Euribor and can be contracted for 3, 6, or 12 months, with the spread added. The mixed rate is a combination of these two, being fixed for a period and variable for another.
Terms tailored to you
- Up to 40 years for clients aged 30 or younger.
- Up to 37 years for clients aged between 30 and 35.
- Up to 35 years for clients older than 35.
Simulate and we respond.
Move out of your parents' house, stop sharing a house with friends, or stop paying rent.
What are you waiting for?
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