Products and services

Personal · Credit

Home Loan

Fixed rate

Nominal rate (TAN): 9.00% | APR (TAEG): 9.87%

The APR is calculated on a 9.00% nominal rate (TAN) basis, for a Home Loan of CVE 10,000,000.00

Term: 60 months; Default interest: 2%

  • Nominal rate from9%
  • APR9.87%
  • Maximum term360 months (30 years)
  • Rate typeFixed or variable rate
Request information See price list

Financial conditions

Fixed rate Used in the simulator
9%Nominal rate
APR
9.87%
Maximum term
360 months (30 years)
Default interest
2%

Representative example: APR of 9.87%, based on a nominal rate of 9%, for a loan of CVE 10,000,000.00 over 60 months (5 years).

Variable rate
Index + 2.5%Taxa de cedência de liquidez
Maximum term
360 months (30 years)
Default interest
2%
Spread from 2.5%.

Indicative conditions. The conditions of your loan depend on the assessment of your application. Check the Price List and the Standardised Information Sheet in force.

Benefits

  • Financing of up to 90% of the property value
  • Terms from 5 to 30 years adjusted to your debt-service ratio
  • Fast approval process
  • Possibility of partial interest subsidy by the State (0-10% down payment, maximum 7 million CVE)
  • Fixed or variable rate (liquidity-provision index + spread from 2.5%)

Terms and requirements

  • ID card, tax number (NIF) and INPS card
  • Last 3 payslips and Form 112
  • Promissory purchase and sale agreement
  • Building permit (where applicable)
  • Up-to-date land registry and tax registry certificates
  • Proof of undeclared income (if any)

Fees and pricing

Fixed rate: nominal rate 9.00% · APRC 9.87% (example for 10,000,000 CVE over 60 months). Variable rate: index + spread from 2.5%. Late-payment interest: 2%. See the price list and the Standardised Information Sheet in force.

Documents

Documents and standardised information

Applicable price list Link · Download PDF

How to proceed

From information to decision, with support.

  1. 01Understand the conditions

    Read the product information and check the price list in force.

  2. 02Prepare the documents

    Gather your identification details and the applicable supporting documents.

  3. 03Talk to BAICV

    Ask for information or visit a branch to complete the process.

Frequently asked questions

Before you proceed

Use the request information button or visit a BAICV branch.

The final conditions depend on the solution, the customer profile and, where applicable, the commercial or credit assessment.

Check the price list in force and the specific product documentation before making a decision or signing the contract.

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What would your monthly payment be?

Adjust the amount, the term and the rate and see the monthly payment right away. The rate starts at this product's rate and can be changed to try other scenarios. No sign-up, no commitment.

All simulators
0 CVE
240 months
9 %
Product fixed rate: 9% nominal. You can change it to try another scenario.
My monthly payment — Sum of instalments (principal and interest): — Not in this sum: fees, stamp duty, insurance and other charges. The full cost is the APR in the standard information sheet.
Assumptions of this simulation
  • Constant instalment (principal and interest), paid every month
  • The chosen rate stays the same for the whole term
  • No grace period or deferral
  • Amounts rounded to the escudo.

Product conditions updated on 23/09/2026

Request a personal offer

Simulation using the rate shown above, which you can change. The sum of instalments covers principal and interest and does NOT include fees, insurance, taxes or other charges. It is not an offer: the conditions of your loan depend on the assessment of your application and on the current Price List, which prevails over any simulation.