The ideal home exists.
And so does the right loan.
The ideal home exists.
And so does the right loan.
The ideal home exists.
And so does the right loan.
The ideal home exists.
And so does the right loan.
The ideal home exists.
And so does the right loan.
The ideal home exists.
And so does the right loan.
Sandra Camelo - Mediação Imobiliária, Unipessoal Lda. is registered with the Bank of Portugal under registration number 0004661 as a tied credit intermediary, without exclusivity, having entered into agreements with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Union de créditos imobiliários, S.A., Financial credit institution (Sociedad Unipersonal) - Branch in Portugal, Banco BIC Português, s.a., Banco Santander Totta S.A., BANCO CTT, S.A., CAIXA GERAL DEPÓSITOS, S.A., ABANCA CORPORACIÓN BANCARIA, S.A., BRANCH IN PORTUGAL, SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA AND BANKINTER, S.A. - BRANCH IN PORTUGAL. SANDRA CAMLO MEDIAÇÃO IMOBILIÁRIA, UNIPESSOAL LDA IS AUTHORIZED TO: I) PRESENT OR PROPOSE CONSUMER CREDIT AGREEMENTS; II) ASSISTING CONSUMERS BY PERFORMING PREPARATORY ACTS OR OTHER PRE-CONTRACTUAL MANAGEMENT WORK IN RELATION TO CONTRACTS THAT HAVE NOT BEEN PRESENTED OR PROPOSED BY IT; III) PROVIDING CONSULTANCY SERVICES.
Tailored credit solutions to turn projects into reality.
Tailored credit solutions to turn projects into reality.
Area of operation: Setúbal
Member state of origin: Portugal
Intermediation category: Tied
Exclusivity regime: No
Type of contract: Mortgage
Consultancy services: Yes
About us
About SCI – Sandra Camelo – Mediação Imobiliária, Unipessoal Lda.
About SCI – Sandra Camelo – Mediação Imobiliária, Unipessoal Lda.
Additional information on credit intermediation activity
Additional information on credit intermediation activity
Credit intermediation services provided
Credit intermediation services provided
Presentation or proposal of consumer credit agreements; Assistance to consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by you.
How can we help?
We are ready to analyse your case and present personalised proposals.
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Loan Simulation
Get your simulation
Get your simulation
* This page provides a credit simulator with indicative values, which do not constitute a formal offer of credit. Each credit application is assessed individually by our partners. Our team is available to answer any questions and help you through the credit application process.
Frequently Asked Questions
Everything you need to know
Everything you need to know
What documents are required to apply for a mortgage loan?
The required documentation may vary between banks, but generally, the essential documents for applying for a mortgage loan include:
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Identity Card or Citizen Card and Tax Identification Number;
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Most recent income tax return and settlement notice;
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Copies of the last three pay slips;
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Employer’s statement;
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Property location plan;
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Building or unit plan;
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Proof of other income.
Additional documents may be requested depending on the bank and the client’s specific situation – for example, if the client is a pensioner, employed, or a non-resident.
Do I need to have an account with the bank to apply for a mortgage loan?
It is not mandatory to have an account with the bank where you intend to take out a mortgage. However, most banks require the client to open an account as a condition for granting the loan.
Which insurances are mandatory when taking out a mortgage loan?
What insurance is required for a mortgage loan?
Banks usually require two main types of insurance for granting a mortgage loan:
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Life insurance – ensures the loan is paid in case of the borrower’s death or disability, protecting both the client and the financial institution.
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Home multi-risk insurance – covers property damage, such as fire, floods, or other incidents, safeguarding the mortgaged property.
In addition to these, the bank may recommend other complementary insurance policies, but the two above are essential for loan approval.
What is the Euribor?
The Euribor (Euro Interbank Offered Rate) is the reference rate used by European banks to lend money to each other. In mortgage loans, the Euribor serves as the basis for calculating the interest rate applied to the loan. For example, if your loan has a rate of “Euribor + spread,” the final rate will be the sum of the Euribor and the bank’s margin (spread).
What is the spread?
The spread is the profit margin that the bank applies on top of the reference rate (such as Euribor) to calculate the interest rate of a mortgage loan. In simple terms, it is the additional amount charged by the bank for the risk and service of granting the loan. The lower the spread, the lower the interest rate applied to your mortgage.
What is the APR (TAEG)?
The APR (Annual Percentage Rate) represents the total cost of the loan, including interest, fees, and other charges associated with the borrowing. Unlike the nominal rate (TAN), which only reflects interest on the principal, the APR allows for a transparent comparison of different loan offers, showing the actual amount you will pay the bank over time.
What is the TAN?
The TAN (Nominal Annual Rate) represents the interest rate applied to the principal of a mortgage loan, excluding other fees or additional costs. It indicates only the interest charged by the bank on the borrowed amount and does not reflect the total cost of the loan.
What is the MTIC?
The MTIC (Total Amount Payable by the Consumer) represents the total amount the client will pay to the bank over the term of the loan, including principal, interest, fees, and other charges. It reflects the overall cost of the credit, allowing the borrower to know exactly how much they will pay until the loan is fully repaid.
