GREEN MORTGAGE

Use the code CH_EFICIENTE to get a 0.10% reduction on your fixed rate.

Crédito habitação Eficiente

The planet benefits and so does your credit.

If you are thinking of buying a house and want to contribute to the sustainability of the planet, take advantage of the special conditions of the Bankinter Green Mortgage.

Use our mortgage calculator to find out the benefits with the code “CH_EFICIENTE”.

 

What is the Green Mortgage?

A mortgage solution that allows you to save on your monthly fee and save the environment at the same time.

The Green Mortgage promotes the purchase of homes with certified energy efficiency, as well as the transfer of credit associated with this type of property, offering special conditions for properties with an Energy Efficiency Certificate equal to or higher than "A" for new properties; and equal to or higher than "B-" for used properties.

Who can apply for the Green Mortgage?

New or existing customers, resident or non-resident, of Portuguese or foreign nationality, who want credit for a house purchase or its transfer.
Available for Second Home and Buy-to-Let home, being exclusive for new mortgage contracts.

What conditions must be met to benefit from this mortgage?

- Newly built home presenting Energy Efficiency Certificate >= A
- Used home presenting Energy Efficiency Certificate >= B-

What will you benefit?

- Newly built home presenting Energy Efficiency Certificate >= A  .
- Used home presenting Energy Efficiency Certificate >= B-  .
- Reduction of 0.10% on the fixed interest rate, with a term equal to or greater than 10 years. 
- Spread of 1,25%, regardless of LTV and Financing Amount.
- Increase in value of the property in view of the requirements of a population increasingly aware of energy efficiency and sustainability of the planet.
 - Greater Ability to fulfil your responsibilities as these properties, being sustainable, have lower energy consumption costs.

Representative Example

**Annual percentage rate of charge of 5,2% or 4,8%, financing of €150.000, fixed annual nominal interest rate during the first 10 years and variable annual nominal interest rate (Euribor 12 months, june 2024, 3,650%, plus Spread) in the following periods , 30-year-old customer, 25-year term (300 installments), secured by a mortgage on the property, with an LTV of 70%. Includes a total initial costs of €2.809,40, quarterly account maintenance fee of €20,80, annual home insurance premium of €255,00. Annual percentage rate of charge of 5,2% with fixed base annual nominal interest rate of 3,85% and variable annual nominal interest rate of 5,250% with base spread of 1,60%, average annual life insurance premium of €253,67, 120 installments of €779,38 and 180 installments of €855,69, and MTIC of €265.176,32. Annual percentage rate of charge of 4,8% with the effect of cross-selling, contracted fixed annual nominal interest rate of 3,50% and variable annual nominal interest rate of 4,900% with contracted spread of 1,25%, average annual life insurance premium of €249,56, 120 installments of €750,94 and 180 installments of €825,21 and MTIC of €256.174,13.

The applied annual interest rate can assume negative values ​​depending on the evolution of the respective index. Subject to credit risk analysis.

This information does not exempt the consultation of pre-contractual and contractual information legally required from the Bank.

Decidedly more options

Get to know our offer in Mortgages.

LIFE INSURANCE ASSOCIATED WITH MORTAGE

Live well, live more rested.

LIFE INSURANCE

Because we are permanently exposed to risks that can affect our personal or family life, choosing Life Insurance is as important for protecting your Mortgage, as it is for your Life and your Family.That's why we want you to get to know Bankinter Seguros de Vida life insurances, that guarantees, as main cover, the risk of death of one or two Insured Persons, with the possibility of including the risk of disability, as complementary coverage.

For more information, please contact a Bankinter Branch.
Branch registered for the exercise of banking, financial activity, relating to the provision of investment and insurance mediation services in Portugal with the competent national supervisory authorities (Banco de Portugal – Registration No. 369 and Insurance and Pension Funds Supervisory Authority - Registration No. 0V-0028)
Bankinter, S.A. is an entity authorized and regulated by the Single Supervisory Mechanism (SSM) led by the European Central Bank (ECB) and Member of the Deposit Guarantee System, established in Spain, managed by the Fondo de Garantía de Depósitos de Entidades de Crédito (FGD).
Bankinter, S.A. – Sucursal em Portugal, registered with the Banco de Portugal under no. 269, as of intermediary does not assume risk coverage, does not conclude insurance contracts in its name and is not authorized to receive insurance premiums to be delivered to the insurer. Information about the mediator accessible at asf.com.pt.