Mortgage Construction
Move forward now in building your home
Personalized AnalysisWe obtain simulations from various banks and analyze the best proposal with you.
Constant SupportWe are by your side throughout the entire process. From the beginning of the financing, through the deed, and until the completion of the construction.
No Costs or CommissionsFree services
Personalized AnalysisWe obtain simulations from various banks and analyze the best proposal with you.
Constant SupportWe are by your side throughout the entire process. From the beginning of the financing, through the deed, and until the completion of the construction.
No Costs or CommissionsFree services
Authorized by Banco de PortugalCredit intermediary no. 0001290
CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services.
Covered Credit Contracts: Mortgage and Consumer Credit.
Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.Financing for construction
Ideal if you already have a plot, allowing you to proceed with the project approval at your own pace
Financing for land acquisition + construction
The solution if you want to acquire land and build your home
Release of the amount in tranches
As the work progresses, the bank provides you with the financed amount
1st Tranche - Depends on the bank, it can be released to start construction. However, in most cases, the land must already be yours.Subsequent tranches - Release of the financed amount based on the percentage of work completed and after verification by an appraiser.Last tranche - The total amount is released when the work is completed and when the property has a usage license.
Before you think about building, start here
01
Try SimulatingStart by making a comparison in CrediSegur's Mortgage Simulator to explore various types of proposals available in the market. This way, you can analyze the values that really matter, such as the TAEG and the MTIC, to know how much each euro you are financed actually costs.02
Gather the documentation• Personal documents• Property Tax Registration• Certificate of Land Registry from the conservatory• Architectural/Project Plans• Signed Budget• Architectural/Project Plans with evidence of municipal approval• Construction License or municipal deferment• Proof of payment of fees
03
Talk to a CrediSegur managerWith the support of a specialized manager from CrediSegur, the process of obtaining a construction loan becomes much simpler. We accompany you through all phases, from the approval and deed of financing to the release of all tranches, ensuring you receive the necessary amounts until the completion of the work and issuance of the usage license.Talk to us and take the first step today to build the home of your dreams.
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Our platform automatically compares TAEG, MTIC, and general conditions, allowing you to make an informed decision and save money.
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Land and construction credit is a type of housing financing that allows you to buy the land and build the house through a single credit contract.In practice, the bank finances two phases:• The acquisition of the land, which is used as collateral (mortgage)• The construction of the house, the value of which is released in phases, in tranches, as the work progressesThis solution is generally simpler and more economical than taking out two separate credits.At CrediSegur, we help you compare the banks that offer this type of financing and negotiate the best conditions for you, supporting the entire process until the completion of the work.
In addition to the monthly payments (principal + interest), construction credit involves some additional costs that are important to know from the start.Among the main charges are:• Bank fees, such as the opening fee and property appraisal costs• Mandatory insurances, namely Life Insurance and Multi-risk Insurance• Stamp Duty, applied on the financed amount and on the interest• In some cases, fees associated with technical inspections carried out during the work, to validate the release of the tranchesTo avoid surprises, it is essential to analyze two key indicators:• TAEG (Annual Percentage Rate), which includes all credit costs• MTIC (Total Amount Charged to the Consumer), which shows the total amount you will pay at the endAt CrediSegur, we present all proposals transparently and comparably, so you can understand the real cost of credit before signing any contract, without surprises or hidden charges.
After the land has been analyzed and the financing proposal has been chosen, the next step is to sign the Promissory Purchase and Sale Agreement (CPCV).From here, the process can follow two paths, depending on the situation of the land:1. If the land is urban and already has an approved project by the City Council, the process is simpler and faster, so it will only be necessary to:• Submit the specialty project (structures, water, electricity, sewage, etc.), which must also obtain a favorable opinion• After approval, submit the builder's and applicant's documents for the issuance of the construction permit2. If the land is urban but does not yet have an approved project:• Submit the architectural project (base project of the house) to the City Council, which includes all the drawings and written elements necessary for the approval of the work• After the architectural project is approved, the specialty project will then be submitted, which must also obtain a positive opinion• Only after these two steps can the construction permit be requested
After the completion of the work, the work book and the remaining technical documents are delivered.With these elements, it is possible to request the occupancy permit (or housing permission permit) from the City Council, which confirms that the property is legally ready to be inhabited.
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