When your time comes, move on

There are few things in the world that can truly make us feel like we belong somewhere like the place we call home: through all the years of our lives, home is where it all begins and where it all ends. It is also the place that keeps all our memories and many different versions, and therefore inside us, before our time comes, there is always room for all the houses that were once important to us.

Like our childhood home, where we are the most naive version of ourselves and share the first years of life with our parents and siblings. Where we take our first steps without falling and begin to explore everything that surrounds us, our bedroom occupying this very special place as the last redoubt of play, before leaving the toys aside. The family grows and the parents move into the house that accompanies us in that endless phase of I don’t care, I don’t care, typical of adolescence. After that, we go to our home away from home when we have to study outside of our city. There we find the home of hard parties, sleeplessness and anxiety before exams, lifelong friendships and the home that calms the doubts of those with an uncertain future. The following is the first house where we live alone, for the first time the space is ours, rented or lent by a family member, and this is the possible solution for us to start our totally independent adult life.

And then, then our time comes.

We bought our first house thinking about the future, and about the family we want to form, to repeat all the good things our parents did for us: give our children the same values ​​of safety, solidity, comfort, belonging.

When your time comes, keep going, because in a year of uncertainty like this, with inflation skyrocketing, interest rates going up, prices going up everywhere, there is always that one best friend we can turn to who helps us achieve our dreams. .

When that moment arrives, and because buying a home continues to be one of the greatest achievements, Banco Montepio is on your side. The banking institution wants to continue to be part of the solution and support Portuguese families and young people who are starting their lives, so decided to reduce the minimum credit margin for home purchase to 0.80%, becoming the entity with the lowest margin in the market.

APR of 5.4% | Spread of 1.20% – Without associated sale of products and services. APR of 5.0%, | Spread 0.80% – considering the optional subscription of four of the following products/services: Salary Account; Credit Card with a minimum consumption of €500/semester (maximum APR of 16.6%); PPCH Life Insurance (subscribed in Lusitania Vida Seguros); Housing Protection Insurance (underwritten by Lusitania Seguros); Protection Insurance (underwritten by Lusitania Seguros and/or Lusitania Vida Seguros): auto, accident or health; Associate client of Montepio Associação Mutualista. See financing examples.

With the rise in the Euribor, the value of the home loan installments of Portuguese families increased, which chose to negotiate the loan at a variable rate. By contracting a home loan at Banco Montepio or transferring the current loan (the bank reimburses you for transfer costs of up to €630, as well as the commissions they charge associated with contracting a new loan), you are guaranteed an adjusted margin, reimbursement of the 1% to 1.1% of the value of the credit for a purchase card and an attitude of empathy in any branch that receives it. If your moment comes in times of crisis, this is your great ally. If you buy a house or transfer credit from another bank, you receive 1% of your loan, or 1.1% if the house has an A or A+ energy certificate.

The offer is unmissable and aims to present the Portuguese with the highest value proposal on the market: request a loan for purchase, transfer, construction or works, with a differential of 0.80% and APR of 5.4%, through a initial simulation.

The campaign is valid for proposals approved from February 15 to August 31 and contracted until October 31, 2023.

Has your time come?