MORTGAGE LOAN SOLUTIONS We lowered the spread, and not only that.
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You just have to choose the rate.
MIXED RATE (FIXED FOR 2 YEARS + VARIABLE)
Fixed installment for
2 years and we return the spread.
Request a loan for purchase, transfer, construction or improvement works, with a fixed rate for the first 2 years of the contract, where we return the value of the spread of each monthly installment during this period. From the 3rd year, the rate becomes variable.
Fixed rate of 2.50%
Spread from 0.80%* | APR of 4.2%(1)a to 4.5%(2).
VARIABLE RATE
Or variable installment.
Spread from 0.80%* | APR of 4.2%(3)to 4.5%(4).
Assumes the subscription of 4 of the following products:
  • Salary account;
  • Associated customer from Montepio Associação Mutualista;
  • Credit card with a minimum use of 500€/semester (APR 18.6%);
  • Life insurance from Lusitania Vida Seguros;
  • Home multi-risk insurance from Lusitania Seguros;
  • Protection insurance from Lusitania Seguros: auto, personal accidents, health or life insurance (excluding insurance associated with housing credit)
And there's more.
The transfers are on us.
If you have a Home Loan with another bank and transfer it to Banco Montepio, we will reimburse the transfer costs (up to €780) and waive the fees charged by Banco Montepio associated with the new loan: property appraisal fee, file review, and contract processing.
And you get back up to 1.1% of your credit in Worten card.
If you buy a house or transfer a mortgage loan 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.
House with an A or A+ energy certificate?
Value to receive on a prepaid card:
0 €
A four-time champion Mortgage Loan.
This award is the sole responsibility of the entity that awarded it.
A four-time champion Mortgage Loan.
Banco Montepio's Mortgage Loan was recognized.

We are the Escolha do Consumidor 2025 (Consumer's Choice 2025), for the fourth consecutive time in the Mortgage Loan category. Awarded by Consumer Choice.
It has the lowest spread?
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Representative example of mixed rate
(1) APR of 4,2%, 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 2,500%, value of January 2025, plus a spread of 0.80%). In the remaining period, the Variable TAN is 3,432% resulting from the added spread of 0.80%, to the Euribor index for the 6 months of January 2025 (2,632% - 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 €448,86. The Total Amount Attributed to the Consumer is €174.051,99.
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): €18,88.
(2) EAR of 4,5% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (2,500% fixed rate, January 2025 value, plus 1 .20%). In the remaining period, the Variable TAN is 3,832%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of January 2025 (2,632% - 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 €467,38. The Total Amount Attributed to the Consumer is €179.829,50.
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): €19,35.
* 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.
Representative example of variable rate
(3) EEAR of 4,2%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3,432%, resulting from the added spread of 0.80% to the Euribor index to 6 months of January 2025 (2,632% - 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 €445,26. The Total Amount Attributed to the Consumer is €174.368,68.
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): €18,90.
(4) EAR of 4,5% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 3,832%, resulting from adding a spread of 1.20% to the Euribor index for 6 months of January 2025 (2,632%- 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 €467,78. The Total Amount attributed to the Consumer is €180.149,92.
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): €19,36.
* 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.
See other representative examples.
The Worten prepaid card has a validity of 4 years. The total and early settlement of the loan, in the first 5 years of the contract, implies the return of the value attributed to the Worten prepaid card. Subject to campaign conditions (in portuguese) and general conditions of use of the prepaid card (in portuguese).
Campaign valid for proposals opened from February 15, 2023, to January 31, 2025, and contracted until March 31, 2025.