Discover some practical examples to help you make your decision.

EAR of 5.1% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 4.422%, resulting from adding a spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €502.06. The Total Amount Attributed to the Consumer is €191,951.93.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.66. Mortgage cancellation costs: €50.

EAR of 4.4%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3.622%, resulting from the addition of a spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €444.20. The Total Amount Attributed to the Consumer is €177,603.20.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.74. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 5.1% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.200% during the 2‑year fixed‑rate period (2.70% fixed rate, October 2026 value, plus a spread of 1.50%). In the remaining period, the Variable TAN is 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €489.02 and 336 monthly instalments of €501.39. The total amount payable by the consumer is €191,403.79.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.47. Mortgage cancellation costs: €50.

APR of 4.4%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3.400% during the 2‑year fixed‑rate period (fixed rate of 2.70%, October 2026 value, plus a spread of 0.70%). In the remaining period, the Variable TAN is 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €443.38 and 336 monthly instalments of €455.20. The total amount payable by the consumer is €177,068.57.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.72. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 6.2% for a funding example with a Fixed Nominal Annual Rate (TAN) of 5.500% over the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 1.50%). 360 monthly installments of €567.79. The Total Amount Attributed to the Consumer is €216,048.82.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €20.87. Mortgage cancellation costs: €50.

EAR of 5.5%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.700% during the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 0.70%). 360 monthly installments of €518.64. The Total Amount Attributed to the Consumer is €200,633.65.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €19.97. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 5.0% for a funding example with a Variable Nominal Annual Rate (TAN) of 4.422%, which results from the addition of a spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €502.06. The Total Amount Attributed to the Consumer is €190,958.99.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of a loan for permanent home ownership. Commissions and Expenses during the term: €732.06; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19.66. Mortgage cancellation costs: €50.

APR of 4.3%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of 3.622%, which results from the addition of a spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €455.88. The Total Amount Attributed to the Consumer is €176,610.26.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of a loan for permanent home ownership. Commissions and Expenses during the term: €732.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €18.72. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 4.9% for a financing example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 2-year fixed-rate period (2.50% fixed rate, October 2026 value, plus a spread of 1.50%). In the remaining period, the Variable TAN is 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 24 monthly installments of €477.42 and 336 monthly installments of €500.77. The Total Amount Attributed to the Consumer is €189,914.32.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of credit for permanent home ownership. Commissions and Expenses during the term: €732.06; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19.66. Mortgage cancellation costs: €50.

APR of 4.2%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3.200% during the 2-year fixed-rate period (fixed rate of 2.50%, October 2026 value, plus a spread of 0.70%). In the remaining period, the Variable TAN is 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 24 monthly installments of €432.47 and 336 monthly installments of €454.58. The Total Amount Attributed to the Consumer is €175,589.08.

Funding example of €100,000.00, for a 30-year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of credit for permanent home ownership. Commissions and Expenses during the term: €732.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €18.69. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 6.1% for a funding example with a Fixed Nominal Annual Rate (TAN) of 5.500% during the 30-year fixed-rate period (4.00% fixed rate, October 2026 value, plus a spread of 1.50%). 360 monthly installments of €567.79. The Total Amount Attributed to the Consumer is €215,055.88.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the transfer of loans for permanent home ownership. Commissions and Expenses during the term: €732.06; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €20.87. Mortgage cancellation costs: €50.

APR of 5.4%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.700% during the 30-year fixed-rate period (fixed rate of 4.00%, value of October 2026, plus a spread of 0.70%). 360 monthly installments of €518.64. The Total Amount Attributed to the Consumer is €199,640.71.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the transfer of loans for permanent home ownership. Commissions and Expenses during the term: €732.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €19.97. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 5.1% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 4.422%, resulting from adding a spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €502.06. The Total Amount Attributed to the Consumer is €191,951.93.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.66. Mortgage cancellation costs: €50.

EAR of 4.4%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3.622%, resulting from the addition of a spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €444.20. The Total Amount Attributed to the Consumer is €177,603.20.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.74. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 5.0% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 2‑year fixed‑rate period (2.50% fixed rate, October 2026 value, plus a spread of 1.50%). In the remaining period, the Variable TAN is 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €477.42 and 336 monthly installments of €500.77. The Total Amount Attributed to the Consumer is €190,907.26.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.61. Mortgage cancellation costs: €50.

APR of 4.3%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3.200% during the 2‑year fixed‑rate period (fixed rate of 2.50%, October 2026 value, plus a spread of 0.70%). In the remaining period, the Variable TAN is 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €432.47 and 336 monthly installments of €454.58. The Total Amount Attributed to the Consumer is €176,582.02.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.69. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 6.2% for a funding example with a Fixed Nominal Annual Rate (TAN) of 5.500% over the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 1.50%). 360 monthly installments of €567.79. The Total Amount Attributed to the Consumer is €216,048.82.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €20.87. Mortgage cancellation costs: €50.

EAR of 5.5%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.700% during the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 0.70%). 360 monthly installments of €518.64. The Total Amount Attributed to the Consumer is €200,633.65.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €19.97. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 5.1% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 4.422%, resulting from adding a spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €502.06. The Total Amount Attributed to the Consumer is €191,951.93.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.66. Mortgage cancellation costs: €50.

EAR of 4.4%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3.622%, resulting from the addition of a spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 360 monthly installments of €444.20. The Total Amount Attributed to the Consumer is €177,603.20.

Funding example for €100,000.00, over a 30‑year period, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.74. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista

EAR of 5.0% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 2‑year fixed‑rate period (2.50% fixed rate, October 2026 value, plus a spread of 1.50%). In the remaining period, the Variable TAN is 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €477.42 and 336 monthly installments of €500.77. The Total Amount Attributed to the Consumer is €190,907.26.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €19.61. Mortgage cancellation costs: €50.

APR of 4.3%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3.200% during the 2‑year fixed‑rate period (fixed rate of 2.50%, October 2026 value, plus a spread of 0.70%). In the remaining period, the Variable TAN is 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for the 6 months of October 2026 (2.922%), average of daily Euribor 6‑month quotations of the previous month, on a 360‑day basis rounded to the nearest thousandth, with 24 monthly installments of €432.47 and 336 monthly installments of €454.58. The Total Amount Attributed to the Consumer is €176,582.02.

Funding example of €100,000.00, for 30 years, for 2 joint account holders, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (average monthly value): €18.69. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

EAR of 6.2% for a funding example with a Fixed Nominal Annual Rate (TAN) of 5.500% over the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 1.50%). 360 monthly installments of €567.79. The Total Amount Attributed to the Consumer is €216,048.82.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €20.87. Mortgage cancellation costs: €50.

EAR of 5.5%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.700% during the 30‑year fixed‑rate period (fixed rate of 4.00%, October 2026 value, plus a spread of 0.70%). 360 monthly installments of €518.64. The Total Amount Attributed to the Consumer is €200,633.65.

Example of funding of €100,000.00, for a 30‑year period, for 2 joint account holders, and a financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,724.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi‑risk (annual): €78.60; Life Insurance (monthly average value): €19.97. Mortgage cancellation costs: €50.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 12.3% for a funding example with a Variable Nominal Annual Rate (TAN) of 7.947%, which results from the addition of the spread of 4.70% (without mortgage guarantee) to the Euribor index for 12 months of October 2026 (3.247%), average of the daily 12-month Euribor quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 11 monthly installments of €67.23 and 1 installment of €10,066.23. The Total Amount Attributed to the Consumer is €11,145.74.

Funding example of €10,000.00, for 12 months, with a period of use of 11 months. Commissions and Expenses during the term: €351.50; Commissions during the term (monthly): €0; Life Insurance: not mandatory.

Multipurpose Loan Requested with Mortgage – Variable Rate

APR of 5.9% for a funding example with a Variable Nominal Annual Rate (TAN) of 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €256.29. The Total Amount Attributed to the Consumer is €103,234.34.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,032.06; Insurance premiums: Multi-risk (annual): €117.84 (only subscribing to one multi-risk insurance policy for the property); Life Insurance (average monthly value): €9.11.

APR of 5.0%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €232.04. The Total Amount Attributed to the Consumer is €94,348.49.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,032.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €117.84 (only subscribing to one multi-risk insurance policy for the property); Life Insurance (average monthly value): €8.68.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 5.9% for a funding example with a Variable Nominal Annual Rate (TAN) of 4.422%, resulting from the addition of the spread of 1.50% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €256.29. The Total Amount Attributed to the Consumer is €103,234.34.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,032.06; Insurance premiums: Multi-risk (annual): €117.84 (only subscribing to one multi-risk insurance policy for the property); Life Insurance (average monthly value): €9.11.

APR of 5.0%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3.622%, resulting from the addition of the spread of 0.70% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €232.04. The Total Amount Attributed to the Consumer is €94,348.49.

Funding example of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,032.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €117.84 (only subscribing to one multi-risk insurance policy for the property); Life Insurance (average monthly value): €8.68.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 7.0% for a funding example with a Variable Nominal Annual Rate (TAN) of 5.422%, resulting from the addition of the spread of 2.50% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €288.27. The Total Amount Attributed to the Consumer is €115,228.03.

Funding example of €50,000.00 in a Multipurpose Loan, for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%. Commissions and Expenses during the term: €1,032.06; Insurance premiums: Multi-risk (annual): €39.24; Life Insurance (average monthly value): €9.64.

APR of 6.1%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 4.622%, resulting from the addition of the spread of 1.70% to the Euribor index for 6 months of October 2026 (2.922%), average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth – 360 monthly installments of €262.54. The Total Amount Attributed to the Consumer is €105,815.72.

Funding example of €50,000.00 in a Multipurpose Loan, for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 80%. Commissions and Expenses during the term: €1,032.06; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €39.24; Life Insurance (average monthly value): €9.22.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum APR of 18.0%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Associação Mutualista.

APR of 2.4%, for an example of financing with a Variable Nominal Annual Rate (TAN) of 1.709% – 360 monthly installments of €479.57. The Total Amount Attributed to the Consumer is €188,220.62.

Funding example of €135,000.00, for 30 years, for 2 joint account holders aged 30 years, and a funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses during the term: €1,934.99; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €21.84 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €94.32; Life Insurance (average monthly value): €20.54. Mortgage cancellation costs: €50.