Crédito Troca de Casa | Crédito Taxa Fixa | Crédito Maxi 8 | Crédito Jovem | Crédito 2ª Residência | Sun Mortgage | Bridging Loan | Crédito Único

Imprimir

Bridging Loan   BRIDGING LOAN Move home now and sell your current house with ease. If you own a property in Portugal and you wish to move to a new one, there is no need to wait to sell your existing property. REQUEST THIS MORTGAGE HERE>> BENEFIT FROM: A complete mortgage solution that provides you the money you need to buy your new house while selling the current one, by setting up a new mortgage on the current house with UCI, assuming that the assessment value of that house is greater than the outstanding balance of the loan made in another credit institution to buy it, Up to 2 years without repaying capital or interest on the current house. Any interest accrued and not paid in this period will be added to the pending capital on the current house, If the sale does not go through during the first two years, from the third to the fifth year you pay interest-only on the pending capital, If you do not sell in the first five years, as of the sixth year, the monthly instalment will be interest plus capital repayment, You have up to two years with no fee on early repayments on the planned sale price. When you sell and pay the respective portion of the loan, that mortgage is cancelled, leaving you with the remaining mortgage on the new house. Current House Value: 100.000 Euros. Existing Mortgage: 50.000 Euros New House Value: 150.000 Euros. Loan Amount: 140.000 Euros. In this example, with the total amount of 190.000€ , for a period of 360 months and nominal interest rate of 2.482%, these were your conditions: Without Bridging Loan: In a purchase with this characteristics you will pay a monthly instalment of 748,95 € (Insurance not included). With Bridging Loan: The loan amount is divided in two loans: a current home loan, that corresponds to the agreed repayment amount of the current house (75% of the current house value: 75,000 € in the example below) and the new home loan (the difference between the Total Loan Amount and the Repayment Amount: 115,000 € in the example below). Check how much you would pay with Bridging Loan Solution: Change to your Buy your new home without having to sell first.

EAIR Crédito Habitação Fácil of 3.787%. EAIR Troca de Casa of 3.593%. Example of product finance Bridging Loan with a total value of 190,000 euros for a total assessment value of 250,000 euros (financing for the purchase of 140,000 euros and evaluation of 150,000 euros plus mortgage re-financing of the current property of 50,000 euros and evaluation of 100,000 euros), divided in two loans: New home loan with the product Sun Mortgege valued at 115,000 euros for a period of 360 months. Indexed to Euribor 6 months plus a margin of 1.5%. Effective Annual Interest Rate of 3.787%. Current home loan with Troca de Casa product valued at 75,000 euros for a period of 360 months, without repaying capital or interest (at the time of redemption/cancellation, to the initial capital are added, the amounts relating to the parts of interest that under the scheme, are compound). Indexed to Euribor 6 months plus a margin of 1.5%. No fee charged for early repayments made during the first 2 years on the short term mortgage. After the 2nd year 0.5% fee charged on early repayments. Effective Annual Interest Rate of 3.593%. Valid for 1 applicant of 30 years of age. Includes initial burden with stamp duty, life insurance, multi-risk property insurance, opening and valuation fee. This information does not constitute an offer of financial conditions. It is also not a substitute for a full reading of the conditions of the product or other professional advice given by UCI. Conditions apply to contracts awarded under the system of mortgages. Information updated at 01 June 2010.

OUTROS PRODUTOS>>	REQUEST THIS MORTGAGE HERE>>
Imprimir