Your starting point
We talk about the property, the amount you want to borrow, your income, your commitments and your own funds, and carry out a first feasibility review.
Buying a home?Start by comparing.
To buy a home, start by understanding what makes sense for you. We look at your situation, compare offers from different banks and support you all the way to the deed.
Lumina Crédito is the brand of EG CREDIT SOLUTIONS - Intermediários de Crédito Unipessoal, Lda, a tied credit intermediary registered with the Bank of Portugal under no. 8646, which provides the credit intermediation services. Lumina Crédito does not grant credit: the decision and the granting of credit rest with the credit institutions.
Indicative simulation
Simulate your home loan
Enter the purchase price and the financing required to calculate the instalment and the taxes on the purchase.
Monthly instalment
€1,238.95
Capital and interest, with a constant instalment.
Rate Euribor + spread3.675%
Taxes on the purchase
- IMT (property transfer tax)
- €10,542.04
- Stamp Duty (0.8%)
- €2,400.00
- Total taxes
- €12,942.04
The values are pre-filled in the message. They will only be sent when you submit the form.
Indicative simulation. Does not include bank charges or Stamp Duty on the loan. IMT is charged on the higher of the price and the taxable property value. Here, taxes are calculated on the purchase price, for mainland Portugal. The Autonomous Regions have their own brackets.
Buyers aged 35 or under purchasing their first own permanent home may be exempt from IMT and Stamp Duty. The specialist will confirm whether this applies to your case.
Instalment€1,238.95
From the first review to the deed.
What we review, what you receive to compare and how we support your decision.
The offers in detail
We set out the amount, the term, the rate, the spread, the instalment and the insurance costs shown in the ESIS (FINE). We explain the full monthly cost and the products linked to the loan.
Through to the deed
We follow the bank approval, the property valuation and the preparation of the deed.
What to prepare for the review
To request a contact, just fill in the form. The documents are gathered later.
Documents for the credit assessment
- Identity document (Portuguese Citizen Card, residence permit or passport)
- Last 3 payslips
- Latest Portuguese tax return (IRS) and tax assessment
- Last 3 bank statements
- Bank of Portugal Central Credit Register statement (Mapa de Responsabilidades de Crédito)
- Employment confirmation letter or employment contract
- Information about the property and the amount you want to borrow
- Information about your income, current commitments and own funds
After the first contact, we send the list of documents for your type of operation and explain anything that is missing.
See the process and the documentsPrepare your next step.
Talk to a specialistInstitutions we work with
- Caixa Geral de Depósitos, S.A.
- Banco Santander Totta, S.A.
- Banco BPI, S.A.
- Novo Banco, S.A.
- BBVA, Instituição Financeira de Crédito, S.A.
- Bankinter, S.A. (Sucursal em Portugal)
- Unión de Créditos Inmobiliarios, S.A.
- Abanca Portugal, S.A.
Lenders with which we have a tied agent agreement. No exclusivity.
Ready to move forward.
Frequently asked questions
How does the process start?
With a meeting in person or by video call. We get to know your goal and your financial situation, carry out a pre-assessment and explain the next steps.
Which terms will you explain?
The approved amount, the term, the rate type, the spread, the estimated instalment, the APRC (TAEG) and the linked products shown in the ESIS (FINE), including the insurance costs and any salary domiciliation.
Does your support end at approval?
No. The process includes checking the ESIS (FINE), confirming the terms and coordinating the deed. We stay with you until it is completed.
Talk to Lumina Crédito
Leave your details. A specialist follows your request and explains the next steps. For home loans, we support you all the way to the deed.
Would you rather write to us?WhatsApp +351 923 224 394, opens in a new window
Lumina Crédito number for messages.
comercial@luminacredito.comeduardo.graca@luminacredito.com