Casa +Eficiente mortgage
A mortgage with an interest-margin reduction and a contract-formalisation fee waiver for buyers of homes with a valid A+, A or B energy certificate.
Deze mogelijkheid is momenteel in het Engels beschikbaar.
Caixa Geral de Depósitos lends money to buy a primary or second home. Under Casa +Eficiente, a qualifying energy certificate gives access to a reduction in the spread—the bank’s component of the interest rate—and a waiver of the contract-formalisation commission. The offer requires Pack Vinculação and an authenticated private contract, called Documento Particular Autenticado (DPA).
You repay the money borrowed and interest in monthly instalments. The home normally secures the loan through a mortgage; exceptionally, another property may be used, and CGD may require a third-party guarantor. The property needs an independent valuation, which has a cost. Missed payments can lead to penalties and seizure of assets.
Early partial repayment must coincide with an instalment due date and requires seven working days’ notice; full repayment requires ten working days’ notice. The commission is 2% of the principal repaid during a fixed-rate period or 0.5% during a variable-rate period, plus stamp tax equal to 4% of that commission.
No early-repayment commission applies in cases of death, unemployment or a qualifying work relocation. For unemployment, a former employee or self-employed person must have been registered at an employment centre for more than three months and provide an IEFP declaration. A qualifying relocation changes your workplace or that of another household member, excluding descendants, to more than 50 km from the property in a straight line and requires the household to move its permanent home. Evidence is an employment contract or employer declaration.
Eligibility
- Buy a primary or second home with a valid energy certificate rated A+, A or B. Formalise the loan using DPA and take Pack Vinculação: a Caixa M account, debit and credit cards with use in the previous three months, Caixadirecta, and income paid into the CGD account linked to the loan.
- The minimum loan is €5,000. For a primary home, the maximum is the lower of 80–85% of the valuation, depending on CGD’s assessment, and 90% of the acquisition investment. For a second home, the maximum is the lower of 80% of the valuation and 80% of the acquisition investment.
- The minimum term is one year. The general maximum is 40 years for borrowers aged 35 or younger and 35 years for older borrowers; the specific maximum for a second home is 30 years. Borrowers must be no older than 75 at the end of the loan.
- CGD assesses your ability to repay. Provide the requested current, truthful financial information and supporting documents within the bank’s deadline; missing or false information can prevent approval.
- Life insurance must cover the full outstanding debt for all borrowers in case of death or disability from accident or illness. Property insurance must cover at least the rebuilding value, or 65% of the property’s presumed transaction value if no rebuilding value is identified. You may use an insurer of your choice if its policy meets CGD’s minimum requirements; using an outside insurer means forgoing the separate Pack Ligação insurance discount.
- If you stop holding a product in a discount package during the loan, CGD can remove the reduction attached to that package.
How to apply
- Status
- sluit 31 jan 2027
- Sluit
- Voorwaarden voor deze aanvraagronde
- Credit proposals must be submitted by 31 January 2027 and contracted by 31 March 2027.
- Contact CGD on +351 217 900 790 to discuss a new mortgage proposal.
Contact Caixa Geral de Depósitos on +351 217 900 790, its personal-customer number available 24 hours a day throughout the year, to discuss a Casa +Eficiente mortgage proposal. Provide the valid energy certificate and the financial documents requested for CGD’s credit assessment.
Submit the credit proposal within the campaign window. The loan must also be contracted by 31 March 2027.