Crédito Habitação

Good things can disappear overnight.

That's why a quick answer is so important. We respond to your mortgage application with everything you need to know to avoid any surprises before and after the purchase of your new home.


We respond to mortgage requests within 24 hours.

Consulta em tempo real do seu processo de crédito habitação no NBnet.

Apoio especializado em todos os passos do processo.

94% dos clientes dizem ser provável ou muito provável recomendar a um colega ou amigo o NOVO BANCO para fazer Crédito Habitação. (Dados recolhidos do relatório de Indicador de Qualidade de Crédito Habitação de dezembro de 2017).

 

 

Our client satisfaction speaks for itself:

Taxa Variável

% of clients who found the time-span between their mortgage application and their notice of approval satisfactory.

Taxa Fixa

% of Clients who were satisfied or very satisfied with our home loans process from mortgage application right through to completion


* Data collected from the December 2017 Home Loan Quality Indicator report.

 

Choose the interest rate that best suits your needs.

variable rate
fixed rate

Your dream home resides here.

Come and discover our large selection of apartments, houses and land.

NB Imóveis

EXCLUSIVE ADVANTAGES

  • Up to 100% finance;

  • Competitive margin, a partir de 1,15%;

  • No Mortgage Valuation Fees.
Find out more

 

Spread from 1.500% for variable or fixed interest rate solutions

Fixed Rate
Independent of associated sales : APR 3.6% ; NAR (Nominal Annual Rate) blended rate : NAR Rate 5 year fixed rate at 2.817% (0.517% with spread at 2.3%) following NAR variable rate (12 month Euribor and spread at 2.3%) ; Monthly repayment of €617.70 ; Capital Plus Interest : €241,406.25€.
Linked with associated sales (*) : APR 2.8% ; NAR blended rate at 2.017% (5 year fixed rate of 0.517% and spread at 1.5%) following NAR variable rate (12 month Euribor rate and spread at 1.5%) ; Monthly payment : €555.71 ; Capital Plus Interest : €219,088.81.

For a loan of €150,000 over 30 years, with a total of 360 monthly payments, LTV de 60%, with mortgage guarantee. Initial fees and expenses : €2181.20 ; Regular fees and expenses : Monthly fee for monthly settlement € 3.64 (IS included); Quarterly Account Management Fee DO € 15.60 (IS included). Life Insurance (average annual premium € 270.19) and Multi-risk (annual premium € 166.03).
(*) Assuming subscription to the following products: Salary Direct Debit, GNB Life Insurance and Multirisk Guarantor, Credit Card (Annual fee € 19.50), Average Quarterly Saving Balance greater than € 2,500 and Quarterly Average Resources Balance greater than € 30,000.
Interest rate fluctuations may result in an increase in the amount payable.

Variable Rate
Independent of associated sales : APR 2.9% ; Nominal Annual Rate (NAR) Variable 2.111% (12 month Euribor -0.189% from January 2018 and spread of 2.3%) ; Monthly repayment €562.79 ; Capital Plus Interest : € 221,516.42.
Linked to associated sales (*) : APR 2.1% ; NAR Variable 1.311% (12 month Euribor of -0.189% from January 2018 and spread of 1.5%); Monthly payment of €504.19 ; Capital Plus Interest : € 200,541.95.

For a loan of €150,000 over 30 years, with a total of 360 monthly payments, LTV 60%, with mortgage guarantee. Initial fees and expenses : €2181.20 ; Regular fees and expenses : Monthly fee for monthly settlement € 3.64 (IS included); Quarterly Account Management Fee DO € 15.60 (IS included). Life Insurance (average annual premium € 270.19) and Multi-risk (annual premium € 166.03).
(*) Assuming subscription to the following products: Salary Direct Debit, Life Insurance and GNB Multi-risk Guarantor, Credit Card (Annual fee € 19.50), Average Quarterly Saving Balance greater than € 2,500 and Quarterly Average Resources Balance greater than € 30,000 .
Interest rate fluctuations may result in an increase in the amount payable.


Special Loan Conditions

Financement Up to 100% finance of the value of the sales price of the house you want to purchase.

Independant of any associated sales : APR of 2.9% ; NAR Variable of 2.111% (12 month Euribor of -0.189% from January 2018 et spread at 2.3%); Monthly payment of €562.79; Capital Plus Interest € 221,516.42.
Linked to associated sales (*) : APR of 2.1% ; NAR Variable of 1.311% (12 month Euribor of -0.189% from January 2018 and spread of 1.5%); Monthly payment at €504.19 ; MTIC: € 200,541.95.

For a loan of €150,000 over 30 years, with a total of 360 monthly payments, LTV of 60%, with mortgage garantee. Initial fees and expenses : €2181.20 ; Regular fees and expenses : Monthly fee for monthly settlement € 3.64 (IS included); Quarterly Account Management Fee DO € 15.60 (IS included). Life Insurance (average annual premium € 270.19) and Multi-risk (annual premium € 166.03).

(*) Assuming subscription to the following products: Salary Direct Debit, Life Insurance and Multirisk Guarantor GNB, Credit Card (Annual fee € 19.50), Average Quarterly Saving Balance greater than € 2,500 and Quarterly Average Resources Balance greater than € 30,000 .
Interest rate fluctuations may result in an increase in the amount payable.


NOVO BANCO Property

Find your new home at novobancoimoveis.pt
  • Up to 100% finance on the estimated value of the property without the need for an additional guarantee ;
  • Competitive spread, from 1.500% for up to 80% of the property value (subject to a commercial valuation) ;
  • No Valuation or Mortgage Processing Fees.


APR OF 2.5% ; NAR Variable of 1.761% (12 month Euribor of -0.189% fom January 2018 and a spread of 1.95%) ; Monthly payment of €536.67 ; Capital Plus Interest : € 212,611.92.

For a loan of €150,000 over 30 years, with a total of 360 monthly payments, LTV of 80%, with mortgage garantee. Initial fees and expenses : €1,526.0 ; Regular fees and expenses : Monthly fee for monthly settlement € 3.64 (IS included); Quarterly Account Management Fee DO € 15.60 (IS included).
Life Insurance (average annual premium € 270.19) and Multi-risk (annual premium € 166.03).
Interest rate fluctuations may result in an increase in the amount payable.