Flexibility for what you need.
APR 8.4% - annual nominal rate 6.25%*
Bring your projects to life with Best.
Request a loan from €2500 to €50,000.
Choose a term between 12 and 84 months.
Intended to finance the purchase of goods and services, with no specific purpose.
Repayments protected against unforeseen events. Optional insurance when taking out the loan.
Request a loan from €2500 to €75,000.
Choose a term between 12 and 60 months.
Intended to finance the purchase of goods and services, with no specific purpose.
Use financial assets as collateral and, without decapitalising yourself, get a better rate on your loan.
Standard
My monthly installment
ANR - The annual nominal interest rate (ANR) represents
the cost associated with interest on the loan.
APR - Annual percentage rate (APR). This rate reflects
the periodicity of payments and all recurring charges
relating to the loan. It is the total cost of the loan
expressed as an annual percentage of the loan amount:
this includes interest + fees + expenses + taxes +
insurance.
TAP - The total amount payable by the consumer to the
institution throughout the loan period. This is the
total sum of payments to be made under the loan
agreement, including the loan amount + total costs
(interest + fees + expenses + taxes + insurance).
CEP+IS - Comissão de estudo de processo (survey
fee) + Imposto de Selo (stamp tax)
ISUC -
Imposto do selo sobre utilização de crédito
(credit usage stamp tax)
Best Services
What should you know?
What should I know before taking out a loan?
Regardless of the purpose of the credit, one thing is certain: the installments will be monthly and your payment may take some time. Therefore, it is necessary to be sure that your current and future income will be enough to pay off your debt.
How can I assess the performance of my loan?
A good indicator is the debt ratio, which represents the percentage of your expenses in relation to your disposable income. Your credit charges should not exceed 30% of your household budget. Otherwise, your family's financial well-being could be at risk. So, before applying for a credit, carefully evaluate the amount you really need, the amount of the installment to be paid, plus your monthly expenses and other credits already in progress (when applicable). This will give you your debt ratio.
Credit protection insurance
Credit Protection Insurance is optional and allows:
Full payment of the credit in case of death or absolute and
definitive disability;
Payment of benefits in the event of absolute temporary
incapacity for work (due to accident and/or illness),
hospitalization, involuntary unemployment or arrears of wages;
The value of the insurance premium can be financed and
diluted in the installments, making it a lighter effort.
* Representative example:
Loan of €20,000, granted for a term of 84 months, with a repayment schedule fixed at the start of the contract.
Nominal annual interest rate (TAN) – fixed at 6.25%
APR 8.4%, calculated including the application fee of €600 (plus stamp duty) and stamp duty on the use of credit and on interest. Interest is calculated on the basis of 360 days.
Fixed monthly repayments – €296.99
MTIC – €25,923.15
This does not exempt you from consulting the pre-contractual and contractual information required by law .
Subject to commercial approval.
App Best Bank Site www.bancobest.pt weekdays from 9am to 6.30pm. Customer support line: 218 505 775 (Landline call)
* Representative example:
Loan of €40,000, granted for a term of 60 months, with a repayment schedule fixed at the start of the contract.
TAN – Fixed nominal annual rate of 3.5%
APR 5.3%, calculated including the application fee of €700 (plus stamp duty) and stamp duty on the use of credit and on interest. The calculation of the interest applied is based on 360 days.
Fixed instalments – amounting to €730.18
MTIC – €45,242.81
Banco Best reserves the right to set different percentages for the maximum coverage permitted by financial assets for the purposes of collateralised credit, and these percentages may vary depending on the type and characteristics of the financial products and the profile of the customer. Any financial products designated as collateral will be pledged in favour of Banco BEST, and the Customer may not mobilise or trade them during the term of the loan
This does not exempt you from consulting the pre-contractual and contractual information required by law.
Subject to commercial approval.
App Best Bank Site www.bancobest.pt Customer support line: 218 505 775 (weekdays from 9am to 6.30pm. Landline call)
