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In our mortgage comparison tool, you can find offers from various banks.
Raquel foi impecável do início ao fim. Nos auxiliou em todo o processo, nos explicou cada documento, cada passo, nos orientou, nos aconselhou, etc. Enfim, super recomendo.
Fui muito bem acompanhada, a mediadora de crédito muito profissional sempre contactavel e disponível para ajudar. A única coisa a melhor no meu ponto de vista perda de poder seguir o acompanhamento quando os bancos trabalham com plataforma legal em que obrigatoriamente apenas o cliente pode intervir.
More active in problem solving as contact to the bank should not have client go to the bank directly with his/her questions that can't be answered immediatly.
Variable rate: The installment will vary over the life of the loan depending on fluctuations in Euribor or the index used. Although its current value, it's important to know how high it can go and how it can impact your installment.
Fixed rate: you will pay the same monthly instalments throughout the life of the loan. The security that comes with this type of loan means a higher initial interest rate than variable rate mortgages.
IMT - Municipal Property Transfer Tax
This is a unique tax, which must be paid before the transaction of the property takes place. Without proof of payment of this tax it is not possible sign the deed.
The amount of IMT payable depends on the type of property (urban or rustic) and the purpose for which the property is intended (main residence or second home).
Stamp Duty – Purchase
It consists on the collection of a tax of 0,80% on the deed value.
Stamp duty – Mortgage
If you take out a mortgage to buy a property, you will have to pay stamp duty at a rate of 0,60% of the value of the loan (the rate is lowered to 0,50% if the term of the loan does not exceed 5 years).
IMI - Municipal Property Tax
This tax is defined by the municipalities and has to be paid for the previous year by the owner of the property on 31 December of that year.
Employees:
Self-employed:
Green receipts issued in the last 6 months.
Other documents:
Pre-sale agreement (CPCV), if applicable.
Thanks to the volume of mortgages we generate, banks save costs by acquiring clients through us. This allows us to charge a commission directly from the bank, and the service is completely free of charge for you.
The information resulting from these simulations is merely informational, so reported financial data might vary if a loan is requested or granted by each financial institution. The purpose of this tool is to orient about the estimated cost depending on the data provided by the user, and it does not suppose in any case a contractual offer or the granting of an operation by the banking entities, nor any contractual tie or legal agreement to do so by either the entities or idealista/créditohabitação.
idealista - Credit Brokers, Unipessoal, Lda., with its headquarters in Avenida António Augusto Aguiar 106, 4th floor, Lisbon (1050-019), NIPC fiscal ID number 515004758, 10,000 euros capital, authorised and registered in the Bank of Portugal with the number 4733 in the category of Bound Credit Brokers.
The idealista Credit Broker is authorised to perform the activities of broker services, to present or propose credit agreements to consumers, to assist consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements not presented or proposed by them, to provide consultancy services.
idealista Credit Brokers have entered into binding non-exclusive agreements with the following credit institutions and banks: Bankinter, S.A. - Subsidiary in Portugal, Banco CTT, S.A., UCI - Unión de Créditos Inmobiliários, S.A. - Subsidiary in Portugal, Abanca Corporación Bancaria, S.A. - Subsidiary in Portugal, Caixa Geral de Depósitos, S.A., Banco BPI, S.A, Novo Banco, S.A., Banco BIC Português, S.A., SICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo, Banco Santander Totta,SA, Millennium (Banco Comercial Português, SA), for the provision of mortgage broker services and advice on mortgage credit agreements.
idealista Credit Brokers hae signed a Professional Liability Insurance Contract with Hiscox Insurance Company, Ltd., NIPC 980350131, with policy number 2513864.
idealista is prohibited from receiving or delivering any amount related to the formation, execution and anticipated fulfillment of the credit contracts that, through its intermediation, are signed with the credit entities and banks for which it acts to any client/consumer.
idealista Credit Brokers activity as a broker is subject to the supervision of Banco de Portugal. The authorisation and registration of Idealista Credit Brokers can be consulted on the Banco de Portugal website via the following link: https://clientebancario.bportugal.pt/pt-pt/intermediarios-de-credito-autorizados
idealista Credit Brokers offers the following means of customer service: https://www.idealista.pt/credito-habitacao E-mail: creditohabitacao@idealista.pt Local telephone which can be reached at +351 211 204 511 Or at the headquarters located at Avenida António Augusto Aguiar 106, 4th floor, 1050-019 Lisbon.
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