Crédito Pessoal Colateral - Secured personal loan
Make your plans happen without giving up your savings.
More flexibility. Lower costs.
What is Secured Personal Loan?
It is a personal loan that allows you to finance your projects without having to liquidate your financial investments held with novobanco. If you have a personal project in mind and want to keep earning returns on your investments, this is the right solution for you. Internal campaign and product materials describe it as a loan that lets clients use their novobanco financial investments as collateral without liquidating them.
APRC from 5.6% (*)
Here are some examples of how you can use your credit:
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🛠 Repairs
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🏠 Home furnishing
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💻 Technology
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✈️ Holidays
Key conditions of Secured Personal Loan:
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Amount
From €2,500 to €75,000
For amounts above this range, please speak to your Branch. Internal materials confirm a minimum of €2,500 and a maximum of €75,000 -
Term
From 6 to 84 months. Internal product and target market files confirm terms from 6 to 84 months
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Grace period
Up to 6 months
Interest-only payments. Internal documentation states that the grace period can be up to 6 months with interest-only payments
Main benefits:
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Do not liquidate your investments
without compromising your investments held with novobanco. Internal briefing says clients can keep their resources at novobanco and continue earning interest
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Lower interest rate
compared with Standard Personal Loan
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Lower monthly repayment
throughout the full contract term
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Ideal for personal projects or investments
use the credit to make your plans happen
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No proof of income required
a simpler application process. Internal briefing says there is no need to prove income and that the pledge of investments is enough
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Secured personal loan
Contact one of our Branches or speak to your Relationship Manager.
*By clicking this button, you will be redirected to a Portuguese-language page. To find your preferred Branch, please search by Branch name or location.
(*) Instalment of €13.55/month for every €1,000, for a €20,000 loan over 84 months. APR of 5.6% (includes a Credit Documentation Fee of €750, applicable taxes, and Stamp Duty on both the use of the credit and the interest). The amount of fees is published in the pricing schedule. Fixed nominal interest rate of 3.600%. Monthly instalment of €271.03. Loan amount of €20,000. Total amount payable by the consumer of €23,898.10. Rates applicable to contracts entered into in the 3rd quarter of 2026. Subject to credit approval. Does not waive the need to consult the legally required pre-contractual and contractual information.
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