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Buy a Garage and Storage Unit
Keep your car secure or gain extra storage space with a Mortgage that offers a range of benefits and opportunities to reduce your spread.
Buy a Garage and Storage Unit
Keep your car secure or gain extra storage space with a Mortgage that offers a range of benefits and opportunities to reduce your spread.
Variable Rate indexed to 12-month Euribor plus a spread from 0.8% (). APR (TAEG) 4.9% | APR (TAEG) 4.2% with optional linked products (*).
Fixed or Mixed Rate for up to 30 years plus spread. APR (TAEG) 4.9% | APR (TAEG) 4.2% with optional linked products (*).
(*) Subject to subscription of the following products: Salary domiciliation; Mudum Home Insurance; Life Insurance linked to the Mortgage through GamaLife; and a Conta Pacote - Packaged Account. Ownership of these products is verified monthly. Failure to maintain the required products will result in the loss of spread reduction benefits after the third instalment.
Características Gerais
Up to 90% of the purchase price if purchased together with a primary residence;
Up to 80% of the purchase price if purchased together with financing for other purposes, such as a holiday home or rental property;
Up to 50% of the valuation of the garage or storage unit if purchased separately.
Variable Rate indexed to 12-month Euribor plus a spread from 0.9%;
Fixed Rate available for the full term of the agreement, from 2 to 5, 10, 15, 20, 25 or 30 years, plus spread;
Mixed Rate where, during an initial period of 2 to 5, 10, 15, 20, 25 or 30 years, a fixed rate plus spread applies. For the remainder of the term, a Variable Rate indexed to 12-month Euribor plus spread applies.
If linked to a housing loan:
Borrowers aged up to 30 years: maximum term of 40 years;
Borrowers aged 31 to 35 years: maximum term of 37 years;
Borrowers over 35 years: maximum term of 35 years.
The oldest borrower must not be more than 75 years old at the end of the loan term.
If the financing is arranged as a standalone loan, the maximum term is 10 years, provided the oldest borrower does not exceed 75 years of age at the end of the loan term.
Loans are secured by a mortgage over the property and, in the case of construction projects, the land. The mortgage over the financed property may be replaced in whole or in part by a mortgage over another property.
Guarantors may also be used to support repayment of the loan.
The Mortgage is automatically settled when the final instalment is paid.
Early repayment of a fixed-rate loan is subject to a charge of 2% of the capital repaid.
Early repayment of a variable-rate loan is subject to a charge of 0.5% of the capital repaid.
Under Decree-Law 80-A/2022 of 25 November, requests for early repayment of variable-rate Mortgage agreements for the acquisition or construction of owner-occupied permanent housing were exempt from the fee until 31/12/2023.
Under Decree-Law 74-A/2017 of 23 June, requests for early repayment due to death, unemployment or professional relocation are exempt from the fee.
Spread Reduction Conditions
- Reduce your spread by 0.5% with the First Bank Pack.
- Reduce your spread by 0.5% and have a bonification of 0,2% with the Protection Pack.
- Reduce your spread by 0.5% if you have 35 years or lower
Variable Rate:
Excluding the impact of optional associated sales: APRC of 5.0%; Variable APR of 4.354% (12-month Euribor of 2.954% as of August 2026 and spread of 1.40%); monthly instalment of €747.07; MTIC (total amount payable by the consumer): €283,624.33; average annual life insurance premium of €223.40. Demand deposit account quarterly maintenance fee of €16.20 (including Stamp Duty).
Including the impact of optional associated sales (*): APRC of 4.2%; Variable APR of 3.604% (12-month Euribor of 2.954% as of August 2026 and spread of 0.65%); monthly instalment of €682.31; MTIC (total amount payable by the consumer): €261,027.51; average annual life insurance premium of €213.67. Monthly maintenance fee for Conta Pacote - Packaged Account of €8.22 (including Stamp Duty).
For a €150,000 loan over 30 years, with a total of 360 instalments, 60% LTV and a mortgage guarantee.
Initial fees and expenses, including ISUC [Stamp Duty on credit usage]: €2,233.20; regular fees and expenses: comprehensive home insurance, with an annual premium of €122.63.
(*) Presupposing subscription to the following products: Pack 1º Banco - First Bank Pack, including salary domiciliation and Conta Pacote - Packaged Account, and Pack Proteção - Protection Pack, including comprehensive home insurance with Mudum and life insurance linked to Crédito Habitação - Mortgage with GamaLife.
Fluctuations in the interest rate may lead to an increase in the amount payable.
The interest rate applied may become negative depending on changes to the relevant index.
Fluctuations in the interest rate may lead to an increase in the amount payable.
The interest rate applied may become negative depending on changes to the relevant index.
2-year Mixed Rate:
Excluding the impact of optional associated sales: APRC of 5.1%; Fixed APR of 4.514% (2-year fixed rate of 3.114% and spread of 1.40%) followed by Variable APR of 4.354% (12-month Euribor of 2.954% as of August 2026 and spread of 1.40%); 24 monthly instalments of €761.28 and 336 monthly instalments of €747.78; MTIC (total amount payable by the consumer): €288,800.18; average annual life insurance premium of €225.47. Demand deposit account quarterly maintenance fee of €16.20 (including Stamp Duty).
Including the impact of optional associated sales (*): APRC of 4.4%; Fixed APR of 3.764% (2-year fixed rate of 3.114% and spread of 0.65%) followed by Variable APR of 3.604% (12-month Euribor of 2.954% as of August 2026 and spread of 0.65%); 24 monthly instalments of €695.87 and 336 monthly instalments of €683.02; MTIC (total amount payable by the consumer): €265,971.67; average annual life insurance premium of €215.75. Monthly maintenance fee for Conta Pacote - Packaged Account of €8.22 (including Stamp Duty).
For a €150,000 loan over 30 years, with a total of 360 instalments, 60% LTV and a mortgage guarantee.
Initial fees and expenses, including ISUC [Stamp Duty on credit usage]: €2,233.20; regular fees and expenses: comprehensive home insurance, with an annual premium of €122.63.
(*) Presupposing subscription to the following products: salary domiciliation, comprehensive home insurance with Mudum, life insurance linked to Crédito Habitação - Mortgage with GamaLife and Conta Pacote - Packaged Account.
Fluctuations in the interest rate may lead to an increase in the amount payable.
The interest rate applied may become negative depending on changes to the relevant index.
5-year Mixed Rate:
Excluding the impact of optional associated sales: APRC of 5.2%; Fixed APR of 4.574% (5-year fixed rate of 3.174% and spread of 1.40%) followed by Variable APR of 4.354% (12-month Euribor of 2.954% as of August 2026 and spread of 1.40%); 60 monthly instalments of €766.64 and 300 monthly instalments of €749.58; MTIC (total amount payable by the consumer): €290,753.47; average annual life insurance premium of €226.24. Demand deposit account quarterly maintenance fee of €16.20 (including Stamp Duty).
Including the impact of optional associated sales (*): APRC of 4.5%; Fixed APR of 3.824% (5-year fixed rate of 3.174% and spread of 0.65%) followed by Variable APR of 3.604% (12-month Euribor of 2.954% as of August 2026 and spread of 0.65%); 60 monthly instalments of €700.99 and 300 monthly instalments of €684.82; MTIC (total amount payable by the consumer): €267,838.78; average annual life insurance premium of €216.53. Monthly maintenance fee for Conta Pacote - Packaged Account of €8.22 (including Stamp Duty).
For a €150,000 loan over 30 years, with a total of 360 instalments, 60% LTV and a mortgage guarantee.
Initial fees and expenses, including ISUC [Stamp Duty on credit usage]: €2,233.20; regular fees and expenses: comprehensive home insurance, with an annual premium of €122.63.
(*) Presupposing subscription to the following products: salary domiciliation, comprehensive home insurance with Mudum, life insurance linked to Crédito Habitação - Mortgage with GamaLife and Conta Pacote - Packaged Account.
Fluctuations in the interest rate may lead to an increase in the amount payable.
The interest rate applied may become negative depending on changes to the relevant index.
Fixed Rate:
Excluding the impact of optional associated sales: APRC of 6.6%; Fixed APR of 5.883% (30-year fixed rate of 4.483% and spread of 1.40%); monthly instalment of €888.07; MTIC (total amount payable by the consumer): €334,971.30; average annual life insurance premium of €242.93. Demand deposit account quarterly maintenance fee of €16.20 (including Stamp Duty).
Including the impact of optional associated sales (*): APRC of 5.8%; Fixed APR of 5.133% (30-year fixed rate of 4.483% and spread of 0.65%); monthly instalment of €817.47; MTIC (total amount payable by the consumer): €310,278.98; average annual life insurance premium of €233.42. Monthly maintenance fee for Conta Pacote - Packaged Account of €8.22 (including Stamp Duty).
Initial fees and expenses, including ISUC [Stamp Duty on credit usage]: €2,233.20; regular fees and expenses: comprehensive home insurance, with an annual premium of €122.63.
(*) Presupposing subscription to the following products: salary domiciliation, comprehensive home insurance with Mudum, life insurance linked to Crédito Habitação - Mortgage with GamaLife and Conta Pacote - Packaged Account.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal
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