Base Module
Plus Module
Extra Module
Total Module

For the purpose of reducing the spread/rate the More, Extra or Total module must be subscribed.
More information about Allianz Saúde insurance can be found on the BPI website, Dormir Tranquilo area, Health Insurance option."},"carInsurance":{"title":"Car Insurance","description":"Allianz AutoAllianz Portugal Car Insurance marketed by BPI, which guarantees the civil liability of mandatory car insurance, in addition to a wide range of optional coverage for damages for motor vehicles and motorcycles.
For the purpose of reducing the spread/rate, this insurance is not considered for bicycles.
More information about Allianz Auto insurance can be found on the BPI website, Dormir Tranquilo area, Car Insurance option."},"alarm":{"title":"Securitas alarm marketed by Banco BPI","description":"Contracting of a BPI credit solution for the purpose of acquiring Securitas alarm solutions (household) from Banco BPI."}},"publicWarrantyModal":{"title":"Include Youth finance","simulationCriteria":{"description":"If you selected the option “Youth finance” to obtain a Home Credit proposal you must meet the following criteria in the simulation:","criteria_1":"Property Price: Equal or below €450,000","criteria_2":"Financing Amount: Between 85% and 100% of the property price","criteria_3":"Housing Type: Permanent"},"personalInfoCriteria":{"description":"In addition to these, you must meet the following criteria in terms of personal information:","criteria_1":"Age: Between 18 and 35 years old","criteria_2":"Tax Residence: In Portugal"},"button":"Confirm"},"simulation":{"title":"Mortgage Simulation","subtitle":"Simulate the solution that best suits you and you will be one step away from obtaining a Pre-Approval","advance":"Advance to Pre-Approval","getPreApproval":"Get Pre-Approval","simulate":"Simulate","updateSimulation":"Update Simulation","success":"Simulation created successfully!","error":"Something went wrong, please try again."},"preApproval":{"title":"Get Pre-Approval","subtitle":"Fill in the fields to proceed to credit pre-approval or to make your online housing credit request.","name":"Name","phoneNumberDisclaimer":"I authorize QUATRU to contact me at the indicated contact above, for questions or requests for information related to simulations, requests for provisional analysis or requests for Home Credit.*","1Customer":"1st Applicant","add1Customer":"Add 1st Applicant","2Customer":"2nd Applicant","add2Customer":"Add 2nd Applicant","createCustomerForm":{"personalData":{"sectionTitle":"Personal Data","name":"Name","birthDate":"Date of Birth","taxIdentificationNumber":"NIF","customerRelation":{"title":"Have you been a BPI customer for more than 30 days?","more_than30days":"Yes","less_than30days":"No"},"gender":{"title":"Gender","male":"Male","female":"Female"}},"contacts":{"sectionTitle":"Contacts","email":"Email Address","mobileNumber":"Mobile Number","contactType":{"title":"Contacts","email":"Email Address","phone":"Phone Number","mobile":"Mobile Number"}},"placeOfResidence":{"sectionTitle":"Place of Residence","nationalities":{"title":"Nationality","options":{"AFG":"Afghan","ZAF":"South African","ALB":"Albanian","DEU":"German","AND":"Andorran","AGO":"Angolan","AIA":"Anguillan","ATG":"Antiguan","SAU":"Saudi","DZA":"Algerian","ARG":"Argentine","ARM":"Armenian","ABW":"Aruban","AUS":"Australian","AUT":"Austrian","AZE":"Azerbaijani","BHS":"Bahamian","BHR":"Bahraini","BGD":"Bengali","BRB":"Barbadian","BEL":"Belgian","BLZ":"Belizean","BEN":"Beninese","BMU":"Bermudian","BLR":"Belarusian","BOL":"Bolivian","BIH":"Bosnian","BWA":"Botswanan","BRA":"Brazilian","BRN":"Bruneian","BGR":"Bulgarian","BFA":"Burkinabe","BDI":"Burundian","BTN":"Bhutanese","CPV":"Cape Verdean","KHM":"Cambodian","CAN":"Canadian","QAT":"Qatari","KAZ":"Kazakhstani","TCD":"Chadian","CHL":"Chilean","CHN":"Chinese","CYP":"Cypriot","VAT":"Vatican","SGP":"Singaporean","COL":"Colombian","COM":"Comorian","COG":"Congolese","COD":"Congolese-Brazzaville","PRK":"North Korean","KOR":"South Korean","CIV":"Ivorian","CRI":"Costa Rican","HRV":"Croatian","CUB":"Cuban","CUW":"Curaçaoan","DNK":"Danish","DJI":"Djiboutian","DMA":"Dominican","EGY":"Egyptian","SLV":"Salvadoran","ARE":"Emirati","ECU":"Ecuadorian","ERI":"Eritrean","SVK":"Slovak","SVN":"Slovenian","ESP":"Spanish","USA":"American","EST":"Estonian","ETH":"Ethiopian","FJI":"Fijian","PHL":"Filipino","FIN":"Finnish","FRA":"French","GAB":"Gabonese","GMB":"Gambian","GHA":"Ghanaian","GEO":"Georgian","SGS":"South Georgia","GIB":"Gibraltar","GRD":"Grenadian","GRC":"Greek","GRL":"Greenlandic","GLP":"Guadeloupean","GUM":"Guamanian","GTM":"Guatemalan","GGY":"Guernsey","GUY":"Guyanese","GIN":"Guinean","GNB":"Bissau-Guinean","GNQ":"Equatorial Guinean","HTI":"Haitian","NLD":"Dutch","HND":"Honduran","HKG":"Hong Kongese","HUN":"Hungarian","YEM":"Yemeni","BVT":"Bouvet Island","CXR":"Christmas Islander","IMN":"Manx","NFK":"Norfolk Islander","ALA":"Åland Islander","CYM":"Caymanian","CCK":"Cocos Islander","COK":"Cook Islander","UMI":"United States Minor Outlying Islands","HMD":"Heard Islander","FRO":"Faroese","FLK":"Falkland Islander","MNP":"Northern Mariana Islander","MHL":"Marshallese","PCN":"Pitcairn Islander","SLB":"Solomon Islander","TCA":"Turks and Caicos Islander","VGB":"British Virgin Islander","VIR":"U.S. Virgin Islander","IND":"Indian","IDN":"Indonesian","IRN":"Iranian","IRQ":"Iraqi","IRL":"Irish","ISL":"Icelandic","ISR":"Israeli","ITA":"Italian","JAM":"Jamaican","JPN":"Japanese","JEY":"Jersey","JOR":"Jordanian","KWT":"Kuwaiti","LAO":"Laotian","LSO":"Basotho","LVA":"Latvian","LBN":"Lebanese","LBR":"Liberian","LBY":"Libyan","LIE":"Liechtensteiner","LTU":"Lithuanian","LUX":"Luxembourger","MAC":"Macanese","MKD":"Macedonian","MDG":"Malagasy","MYS":"Malaysian","MWI":"Malawian","MDV":"Maldivian","MLI":"Malian","MLT":"Maltese","MAR":"Moroccan","MTQ":"Martinican","MUS":"Mauritian","MRT":"Mauritanian","MYT":"Mahoran","MEX":"Mexican","MMR":"Burmese","FSM":"Micronesian","MOZ":"Mozambican","MDA":"Moldovan","MCO":"Monegasque","MNG":"Mongolian","MNE":"Montenegrin","MSR":"Montserratian","NAM":"Namibian","NRU":"Nauruan","NPL":"Nepalese","NIC":"Nicaraguan","NER":"Nigerien","NGA":"Nigerian","NIU":"Niuean","NOR":"Norwegian","NCL":"New Caledonian","NZL":"New Zealander","OMN":"Omani","PLW":"Palauan","PAN":"Panamanian","PNG":"Papua New Guinean","PAK":"Pakistani","PRY":"Paraguayan","PER":"Peruvian","POL":"Polish","PRI":"Puerto Rican","PRT":"Portuguese","KEN":"Kenyan","KGZ":"Kyrgyz","KIR":"Kiribatian","GBR":"British","CAF":"Central African","DOM":"Dominican","CMR":"Cameroonian","CZE":"Czech","REU":"Réunionese","ROU":"Romanian","RWA":"Rwandan","RUS":"Russian","ESH":"Sahrawi","WSM":"Samoan","SMR":"Sanmarinese","LCA":"Saint Lucian","KNA":"Kittitian and Nevisian","STP":"São Toméan","VCT":"Vincentian","SEN":"Senegalese","SLE":"Sierra Leonean","SRB":"Serbian","SYC":"Seychellois","SYR":"Syrian","SOM":"Somali","LKA":"Sri Lankan","SWZ":"Swazi","SDN":"Sudanese","SSD":"South Sudanese","SWE":"Swedish","CHE":"Swiss","SUR":"Surinamese","THA":"Thai","TWN":"Taiwanese","TJK":"Tajik","TZA":"Tanzanian","PSE":"Palestinian","TLS":"East Timorese","TGO":"Togolese","TKL":"Tokelauan","TON":"Tongan","TTO":"Trinidadian","TUN":"Tunisian","TKM":"Turkmen","TUR":"Turkish","TUV":"Tuvaluan","UKR":"Ukrainian","UGA":"Ugandan","URY":"Uruguayan","UZB":"Uzbek","VUT":"Ni-Vanuatu","VEN":"Venezuelan","VNM":"Vietnamese","ZMB":"Zambian","ZWE":"Zimbabwean","XKX":"Kosovan"}},"residenceCountry":"Residence Country","streetName":"Street","doorNumber":"Door Number","floor":"Floor","city":"City","postCode":"Postal Code"},"portugalFiscalResidence":{"sectionTitle":"Portugal tax residence","yes":"Yes","no":"No","disclaimer":"Your tax residence must be in Portugal"},"household":{"sectionTitle":"Family Members","householdCount":{"1":"1","2":"2","3":"3","4":"4","5":"5","6":"6","7":"7","8":"8","9":"9","10":"10","title":"Number of people in the household"},"maritalStatus":{"title":"Marital status","married":"Married","single":"Single","widowed":"Widowed","domestic_partnership":"Domestic Partnership","legally_separated":"Legally Separated","divorced":"Divorced"},"marriageRegime":{"title":"Marriage regime","asset_separation":"Asset Separation","acquired":"Community Property","general":"General Community","freely":"Freely"}},"professionalSituation":{"sectionTitle":"Professional Situation","academicGrade":{"title":"Academic degree","none":"None","until_9th_grade":"9th Grade","grade_12th":"12th Grade","university_graduate":"Bachelor's Degree","master_phd":"Master's Degree or PhD"},"professionalStatus":{"title":"Professional Status","employee":"Employee","pensioner":"Retired"},"professionalContractType":{"title":"Contract Type","fixed_term":"Fixed Term","permanent":"Permanent"},"role":{"title":"Role","pensioner":{"retired":"Retired"},"employee":{"management-board":"Management Board","technical-staff":"Technical Staff","administrative":"Administrative","non-specialized-work":"Non-Specialized Work","commercial":"Commercial","administrator":"Administrator / General Manager"}},"professionId":"Profession","professionalAdmissionYear":"Year of Admission","professionName":{"112005":"Ambassador","112015":"General Director - Public Administration","112090":"Other Senior Officials in Public Administration","121005":"General Director","121045":"Senior Executive","211605":"Specialist in Physical Sciences","212190":"Other Mathematicians and Similar Specialists","214190":"Other Architects and Urban Planners","214905":"Engineer in general","221190":"Other Biologists and Similar Specialists","221290":"Other Pharmacologists, Pathologists, and Others","222190":"Other Doctors","222305":"Veterinarian","223005":"Nurse","235990":"Other Higher Education, Secondary, etc. Teachers","241190":"Other Accountants","241205":"Human Resources Technician","241930":"Product Manager","241990":"Other Administrative or Commercial Professions","242190":"Other Lawyers and Legal Consultants","242205":"Judge","242990":"Other Jurists","243290":"Other Librarians and Documentalists","244105":"Economist","244290":"Other Sociologists, Anthropologists, and Similar","244390":"Other Historians and Specialists in Sciences","244505":"Psychologist","245190":"Other Writers, Journalists, and Similar","245590":"Other Actors, Directors, and Producers","246090":"Other Ministers of Worship and Members of Orders","311190":"Other Physical and Chemical Sciences Technicians","312190":"Other Computer Programmers","313290":"Other Emissions Equipment Operators","313390":"Other Diagnostic and Therapeutic Technicians","314290":"Other Pilotage Officers","314390":"Other Airplane Pilots and Similar Workers","314590":"Other Air Safety Technicians","321190":"Other Life Sciences Technicians","341190":"Other Stockbrokers, Money Changers, and Similar","341590":"Other Sales Representatives","344990":"Other Intermediate Level Professionals in...","347590":"Other Athletes, Sportspeople, and Workers","412210":"Bank Account Manager","413190":"Other Provisioning and Storage Employees","414290":"Other Postmen and Similar Workers","419090":"Other Office Employees","421490":"Other Pawnbrokers and Similar Workers","422290":"Other Receptionists and Similar Workers","511390":"Other Guides, Interpreters, and Similar Workers","512290":"Other Cooks and Similar Workers","512390":"Other Waiters and Similar Workers","513990":"Other Security Guards, Medical Assistants, and Similar","514190":"Other Hairdressers, Beauticians, and Masseurs","516990":"Other Security and Protection Services Personnel","522090":"Other Salespersons and Demonstrators","613090":"Other Farmers and Qualified Workers","712390":"Other Construction and Building Workers","722290":"Other Mechanical Locksmiths and Similar Workers","724190":"Other Electromechanics and Electricians","731190":"Other Precision Instrument Mechanics","734690":"Other Screen Printers and Similar Workers","741290":"Other Bakers, Pastry Cooks, and Confectioners","742290":"Other Carpenters, Wood Carpenters, and Similar Workers","743390":"Other Tailors, Seamstresses, and Milliners","833490":"Other Vehicle and Equipment Operators","913190":"Other Private House Cleaners","913390":"Other Laundry and Ironing Workers","932290":"Other Unskilled Industrial Workers","010000":"Members of the Armed Forces"}},"expenses":{"sectionTitle":"Income and Expenses","totalIncome":"Net Monthly Income","alimony":"Alimony Expenses","realEstateRents":"Rental Expenses","family":"Family Expenses","monetarySuffix":"EUR"},"errors":{"required":"The {fieldName} field must be filled in","maxChars":"The {fieldName} field must have a maximum of {maxChars} characters","equalChars":"The {fieldName} field must have {equalChars} characters","minNumber":"The {fieldName} field must have at least {minNumber}","between18And72":"The Applicant's age must be between 18 and 72 years old","birthdayPublicWarranty":"As you selected 'Include public guarantee', the Bidder's age must be between 18 and 35 years old","invalidEmail":"Please enter a valid 'Email address'","invalidMobileNumber":"Please enter a valid 'Mobile number' for the selected country","invalidTaxIdentificationNumber":"Please enter a valid 'NIF'","taxIdentificationNumberDuplicated":"Added Bidders cannot contain the same 'NIF'","duplicatedmobileNumberNumber":"Added Bidders cannot contain the same Mobile number","householdCount":"As you have chosen the Married option, you must have at least 2 people in your household","invalidPostalCode":"Invalid Postal Code","addSecondIndividualError":"Please add your spouse/partner as 2nd Applicant.","invalidMarriageRegime":"The Matrimonial Regime must be the same for both Proposers.","invalidCountry":"According to the guidelines of Banco BPI, your Nationality or Country of Residence is not part of the list of accepted countries. Please add a Proposer with Nationality or Country of Residence in Portugal.","publicWarrantyNationality":"As you selected 'Include public guarantee', the Bidder must have Portuguese nationality"},"cleanFields":"Clear Fields","removeCustomer":"Remove Applicant","delete":"Applicant successfully deleted!","apiError":"Something went wrong, please try again.","success":"Simulation successfully updated!","updatedMaritalInfo":{"1":"The marital information of the second applicant has been updated.","2":"The marital information of the first applicant has been updated."}},"disclaimer1":"(i) This Mortgage Loan simulator is the sole responsibility of Banco BPI, which acts as a lending institution and is solely responsible for the credit information presented.","disclaimer2":"(ii) The processing of data provided by customers for the use of this simulator is the sole responsibility of Banco BPI. Please consult the Privacy Policy.","updateSimulation":"Update Simulation","update":"Update","getPreApproval":"Get Pre-Approval"},"preApprovalResult":{"priceSufix":"EUR","scheduleVisit":"Schedule Visit","installment":"Installment","TAEG":"APR","financingValue":"Financing Value","entranceValue":"Down Payment","term":"Term","downloadFine":"Download FINE","fineTooltip":"The Standard European Consumer Credit Information (FINE) is a crucial document in any credit application or contract entered into between a customer and a financial institution. This document follows a set of European standards and is applicable in all countries of the European Union.","years":"Years","rateType":{"title":"Rate Type","fixed":"Fixed","variable":"Variable","mixed":"Mixed"},"approved":{"title":"Pre-Approval Confirmed","description":"Based on your information, the Bank is available to grant you credit."},"notApproved":{"title":"Pre-Approval Not Confirmed","description":"We regret to inform you that the result of the provisional analysis could not be presented. You may find a solution with the bank."},"needHelp":"Need help?","contact":"I want to be contacted","advanceToPurpose":"Advance to Credit Proposal","advanceToPurposeShort":"Advance","errorGettingFine":"It was not possible to download the FINE, please try again."},"proposal":{"tag":{"active":"Active","completed":"Completed"},"knowMorePopup":{"title":"Requirements and acceptance criteria","ok":"Ok","how":"How to obtain:","162be91c-e479-4773-90b4-a78f6ffb5fcc":{"title":"Citizen Card","description":"The Identification Document allows for secure data validation by the financing entity. The presentation of this document serves only for validation of the documentation presented, ensuring all confidentiality and integrity of the personal information of the holder.","tutorial":"You can scan or take a photo of your Citizen Card. If you prefer, you can send the document in black and white, but make sure the identification is perfectly legible."},"3bc064d0-bb17-4970-838b-b5421157d6e2":{"title":"Tax Identification Document","description":"The Identification Document allows for secure data validation by the financing entity. The presentation of this document serves only for validation of the documentation presented, ensuring all confidentiality and integrity of the personal information of the holder.","tutorial":"You can scan or take a photo of your Citizen Card. If you prefer, you can send the document in black and white, but make sure the identification is perfectly legible."},"81e02148-3654-4ef2-a25a-281069cb2fa9":{"title":"Last 2 Tax Returns (IRS or IRC) - Independent Workers and Business Owners","description":"Employers are required to issue an income statement for the previous year by the end of January. As such, you will have received this document from your employer, or you can request its issuance.","tutorial":"Simply ask your employer for this statement, ensuring that it contains your employment status, seniority, and function."},"efce9618-4357-4290-834e-c6dd5d3fb375":{"title":"Residence Permit/Authorization","description":"The proof of address validates the client's residence in national territory.","tutorial":"Just an electricity, water, gas, etc. bill, where your name and address are legible. You can also send the previous year's settlement note, provided that it was sent to the taxpayer's residence."},"f06279ae-98fd-46a1-bfb6-af23005aad61":{"title":"Last Tax Return (IRS) - Dependent Workers/Pensioners and Property Income","description":"The settlement note is a demonstration of the calculation that the Tax Authority made to determine if you have already paid the due tax, based on all the data entered in the IRS declaration as well as information already in possession of the Tax Authority.","tutorial":"Access the Finance Portal and:

Choose the option 'Citizens'
Click 'obtain'
In 'Certificates', choose 'Consult Certificates'
Login with your credentials (NIF and password) or with your Citizen Card
Choose certificate type 'IRS Settlement', status 'active' and select 'Confirm'
Click on the certificate for the desired fiscal year
Then, save the PDF on your computer

Base Module
Plus Module
Extra Module
Total Module

Choose the option 'Citizens'
Click 'obtain'
In 'Certificates', choose 'Consult Certificates'
Login with your credentials (NIF and password) or with your Citizen Card
Choose certificate type 'IRS Settlement', status 'active' and select 'Confirm'
Click on the certificate for the desired fiscal year
Then, save the PDF on your computer

"},"5baa1ee4-2eb4-4916-9992-df1b79419a6f":{"title":"Employer's statement confirming effective employment relationship, if applicable (and, when joining the company less than 8 months ago, confirmation that the probationary period is not ongoing)","description":"Statement issued by the employer (with employment relationship, seniority and position)","tutorial":"Just ask your employer for this statement, making sure that it includes your employment relationship, seniority and position."},"93bae4cf-85d4-4fdf-87d4-c2ffa5acbefc":{"title":"Last Three Payslips/Pension Slips","description":"Payslips/Pension slips prove the current income of each account holder.","tutorial":"Request the slips for the last 3 months from your employer. If you receive them in PDF or image format, you can simply attach them to your personal area. If you receive them on paper, you can scan them or take a photo, as long as they are legible."},"3e0be895-6df5-412f-8f2a-1f907933504f":{"title":"Bank statements for the last 3 months - proof of income assessed by tax return and/or other monthly income","description":"Statements are vital to confirm the income declared on the payslip has been credited to the account holder's account, while also serving to confirm that the client has no arrears or any type of default in the movements, thus showing to be a good customer to have access to better financing conditions.","tutorial":"The simplest way to obtain your statements is through the e-banking provided by your bank."}},"participant1":"{index}st Proponent","participant2":"{index}nd Proponent","mounthlyInstallment":"Monthly Installment","sections":{"optional":"(optional)","identification":"Identification Documents","laboral":"Labour Documents","legal":"Fiscal Documents","financing":"Financial Documents","other":"Additional Documents"},"modal":{"title":"Mandatory documents added","text":"You have submitted all the mandatory documents. Banco BPI will analyze the data from your Proposal as well as the documents provided. You will be contacted by the Bank soon for more information."},"documentName":{"162be91c-e479-4773-90b4-a78f6ffb5fcc":"Citizen Card (Front and Back)","3bc064d0-bb17-4970-838b-b5421157d6e2":"Fiscal Identification Document","efce9618-4357-4290-834e-c6dd5d3fb375":"Residence Permit/Authorization","cea23dd8-bc57-40aa-9cf4-baa1776ffd78":"Personal Identification Document","f06279ae-98fd-46a1-bfb6-af23005aad61":"Last Income Statement (IRS) - Dependent Workers/Pensioners and Rental Income","93bae4cf-85d4-4fdf-87d4-c2ffa5acbefc":"Last Three Payslips/Pension Slips","5baa1ee4-2eb4-4916-9992-df1b79419a6f":"Employer's statement confirming effective employment relationship, if applicable (and, when joining the company less than 8 months ago, confirmation that the probationary period is not ongoing)","81e02148-3654-4ef2-a25a-281069cb2fa9":"Last 2 Income Statements (IRS or IRC) - Self-Employed and Business Owners","69dbcd1b-78aa-4220-bced-da626993cdb9":"Statement for Credit Proposal - Form provided by Banco BPI","3e0be895-6df5-412f-8f2a-1f907933504f":"Bank statements for the last 3 months - proof of income assessed by tax return and/or other monthly income","2902ee5f-baa7-4a23-9d0c-c2ba8cc0b979":"Insurance Enrollment Form (Life and Multirisk)","741729de-009b-4684-9caa-6454fd2dd6fd":"Securitas Direct Alarm - BPI Home Solution","0f7d4506-bc93-4560-91f3-cb12e4d32aef":"Property Register of the property to be mortgaged (Updated)","a508f37a-a567-4ce4-8f3a-432f8ef1e7e2":"Energy Certificate with classification A+, A or B","83805dfc-ae5d-4ebd-a463-c7de9b2c7d93":"Authorization Term - APB","abc8d452-9823-48d0-8e59-3b248c0b2b14":"License of Use of the property to be mortgaged (original or authenticated photocopy)"},"proposalStates":{"1efa9dba-bc92-4c23-84e7-2bc87688ff6c":"Proposal in capture","251257c0-e337-4116-a871-8545f9c37de0":"Decision - In analysis","5b443389-68d2-4b95-96ba-10f099eb5f89":"Decision - Approved","51929ead-fdc1-4f4b-9033-62111eb42992":"Decision - Approved - Awaiting customer decision","df70fde0-6717-4e6f-afc9-ff8fddd42c00":"Decision - Evaluation - In progress","ab83308a-747b-41d2-a86b-21acb64e1efa":"Decision - In final verification","53521fb3-8634-4ce4-b31d-fcc268ab42ba":"Decision - In final verification - Awaiting customer decision","09f8b93e-fa97-42fd-a464-3b55474141fa":"Decision - In final verification - Awaiting documents","173930c7-2ff3-4931-8429-278c51d9b129":"Decision - Suspended","5d290d8b-7fe1-4b7c-9a51-69564c8ef756":"Decision","6b59cf15-4c46-44e5-b40f-fe39694e95b3":"Other","a69f12cc-8520-4364-909e-aa13510fa49e":"Contracting - Final Approval Letter Issued / Awaiting Documentation for Contracting","9076dc6c-3ec7-4381-a31c-6b24bb85ed89":"Contracting - Draft being prepared","b2cd486e-5dfc-4e2d-b482-42b1c54478f4":"Contracting - Draft being prepared - Awaiting documentation","5dafa403-ef33-43b6-a54a-3e802517aebc":"Contracting - Draft Sent - Awaiting Deed/Contract Execution","bc0c8904-8cd5-4a9d-9710-e67b5f7436e5":"Contracting - Deed/Contract executed","81fe5d79-10bb-4f95-a315-b573e03d3504":"Contracting - Suspended","1677aae8-12e4-4c5d-abbb-b4716f590e4c":"Contracting","4aef3a07-a0ba-4a09-8c7c-84477c94786d":"Refused","b7a5cc29-d6da-455d-b1b6-75d68ef6d823":"Archive - Canceled","44f3ea80-58ff-49d5-8171-26f051d7a8e3":"Archive - Contracted","37a8e7c2-8786-4ebc-b3f6-f328f791f189":"Archive - Refused","1d56ac77-225f-44bb-9fe1-41f3f5bbb423":"Archive"},"documentState":{"not_delivered":"Not Submitted","delivered":"Submitted","not_applicable":"Not Applicable","validated":"Validated","dispensed":"Dispensed","returned":"Returned"},"document":{"document":"Document","updatedAt":"• Updated on {updatedAt}","onSubmit":{"success":"Your document has been successfully uploaded.","error":"Something went wrong, please try again."},"dragAndDrop":"Drag and drop the document here or ","chooseFile":"choose file","chooseFile_mobile":"Choose file","submit":"Submit","cancel":"Cancel","changeDocument":"Change document","error":{"maxSizeExceeded":"Please upload a file under 3MB","invalidFileType":"Please upload a file in .pdf, .jpg, or .jpeg format","default":"Your document could not be submitted, please try again."},"disclaimer":"Note: To upload documents from your device, ensure they are in .pdf, .jpg, or .jpeg format and are less than 3MB in size."},"title":"Home Loan Proposal","titlePublicWarrantyL1":"Home Loan Proposal","titlePublicWarrantyL2":"with Youth Finance","lastUpdate":"Last updated: {lastUpdate}","documentation":{"title":"Documentation","description":"To proceed with your financing request, the following documentation must be submitted.","description2":"All the information you enter will be used to analyze the Home Loan Proposal by Banco BPI.","securedDocumentation":{"title":"Your documents are secure.","description1":"We guarantee the security and privacy of your data.","description2":"None of the information contained in this section will be shared with external entities without your express consent."}},"contact":{"needHelp":"Need help?","description":"Find the help you need here, quickly and easily. 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If the data is incorrect, you can edit it.","AVM_action_call":{"text":"To obtain the Market Value of your house","link":"click here"},"QUESTION_1":{"placeholder":"Market value of your current house"},"QUESTION_2":{"placeholder":"Address"},"QUESTION_3":{"placeholder":"Parish"},"QUESTION_4":{"placeholder":"Type of property","OPTIONS":{"0":"House","1":"Apartment","2":"Farm/Estate"}},"QUESTION_5":{"placeholder":"Typology","OPTIONS":{"0":"T0","1":"T1","2":"T1+1","3":"T2","4":"T2+1","5":"T3","6":"T4","7":"T5","8":"T6","9":"T7","10":"T8","11":">T8"}},"QUESTION_6":{"placeholder":"Condition of the property","OPTIONS":{"0":"New","1":"Like New","2":"Used"}},"QUESTION_7":{"placeholder":"Year of construction (Optional)"},"QUESTION_8":{"placeholder":"Total area (m2)"},"QUESTION_9":{"placeholder":"Usable area (m2) (Optional)"},"QUESTION_10":{"label":"Do you have any outstanding debt?","label_alternative":"Outstanding debt value","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_11":{"placeholder":"Outstanding debt value of your current house"}},"STEP_9":{"QUESTION_1":{"label":"The value of your house is:","placeholder":"Value of your current house"},"QUESTION_2":{"label":"Do you have any outstanding debt?","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_3":{"placeholder":"Outstanding debt value of your current house"}},"STEP_10":{"QUESTION_1":{"label":"Do you have any outstanding debt?","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_2":{"placeholder":"Debt value of your property"}},"REPORT_PAGE":{"title1":"How much can you spend on buying your house?","title2":"How much can you spend on renting your house?","tan":"TAN","monthly_fee":"Monthly Fee","restart_simulation":"Restart Simulation","edit_answers":"Edit Answers","see_result":"See Result","SAVE_LEADS":{"checkbox":"I would like to receive the simulation by email","title":"Receive simulation by email","placeholder":"Email","message":"To receive the simulation by email as well as possible communications that may interest you, enter your email address.","confirm":"Confirm","success":"Simulation sent successfully","genericError":"Something went wrong, please try again.","emailError":"Please enter a valid email"},"OUTPUT_TABLE":{"more_details":"More details","other_costs":"Other costs","property_price":"Property Price","loan_value":"Loan Value","entrance_value":"Down Payment Value","monthly_payment_associated":"Loan Payment","percentage_house_entrance":"Percentage of house down payment","effort_rate":"Effort Rate","imt":"IMT","aquisition_tax":"Stamp Duty on Acquisition","housing_credit_tax":"Stamp Duty on Housing Credit","payment_term":"Term","years":"years"},"PERCENTAGE_GRAPH":{"labels":{"house_entrance":"Down Payment Value","loan_value":"Loan Value"}},"EFFORT_RATE_SLIDER":{"labels":{"rent_value":"Rent Value","effort_rate":"Effort Rate:","text_slider":"Based on your information, the price of this property is within your budget"},"rent_error_message":"Considering your information, the rent value is above your budget. The amount you selected may impact your savings capacity.","buy_error_message":"Considering your information, the property value is above your budget. Please adjust the values of your responses."},"LEGAL_INFO":{"0":"The treatment of the data provided by customers for the use of this simulator is the sole responsibility of Banco BPI S.A.","1":"The result presented is indicative and was calculated considering the information you provided us.","2":"The approval of a credit request is subject to a credit analysis that includes an analysis of the information from the Credit Bureau of the Bank of Portugal and implies that the applicants have no credit defaults. If you are not a Customer, approval also depends on the Bank's Customer acceptance policy.","3":"Credit is granted by BPI, without credit intermediation, and is secured by mortgage on property. The granting of credit is subject to the macroprudential rules of the Bank of Portugal. The applied interest rate (TAN) may assume negative values depending on the evolution of the respective index.","changeFilledValuesWarning":{"0":"BPI cannot grant Housing Credit if Savings do not represent at least 10% of the property price, always respecting the minimum financing amount of €30,000.","1":"Additionally, Monthly Net Incomes should be sufficient to support the installment associated with the necessary financing amount.","2":"Please,","3":" adjust the values","4":" of your answers.","5":"It was not possible to complete your simulation because your Date of Birth is not valid. Please enter a valid Date of Birth between 18 and 72 years.","6":"Based on your responses, we were unable to calculate the result of the simulation."}}},"BUTTONS":{"TOOLTIP":{"label":"Learn more"},"continue":"Continue","simulate":"Simulate","previous":"Previous","calculate":"Calculate property value","ok":"Ok","cancel":"Cancel","finish":"Finish","creditSimulation":"Mortgage Credit Simulator","seeHouses":"See houses up to ","askForContact":"Request contact"},"CONTACT":{"needHelp":"Need help?","talkWithUs":"Find the help you need here, quickly and easily. Whether it's a question or a problem, we're here for you.","talkWithUsMobile":"Find the help you need here."},"LABELS":{"INPUT_PLACEHOLDERS":{"dropdown":"Select","numeric_text_input":"0.00"},"CURRENCY":{"currency_text":"EUR","currency_per_month":"EUR/month","symbol_currency_per_month":"€/month"}},"POP_UP_TEXT":{"STEP_1":"Select one of the following Simulation options. If you intend to change your property, we will add its value to the entry amount for this financing (deducted from an intermediary fee of 5% and any debt you may have on the property).","STEP_2":"Although this information does not directly impact the amount the bank may be willing to finance, it is based on these data that we will be able to present recommendations that are aligned with your budget and preferences (typology, among others).","STEP_2_RENT":"Although this information does not directly affect the rent amount of the house, based on these data we will be able to present recommendations that are aligned with your budget and preferences (typology, among others).","STEP_3":"The number of applicants may impact the amount of available net monthly incomes and, consequently, the monthly effort rate associated with the installment. Additionally, the age of the oldest applicant will impact the maximum term of the financing that the bank may grant.","STEP_3_RENT":"The number of applicants may impact the amount of available net monthly incomes and, consequently, the monthly effort rate associated with the rent value.","STEP_4":"We will considere 100% of the amount you indicate for the house down payment.","STEP_4_RENT":"Indicate the sum of the net incomes of the household (pay slips, rental income, among others). This value helps calculate the rent, considering an effort rate. From there, we can calculate the maximum rent value you can afford.","STEP_5":"Indicate the sum of the net incomes of the household (pay slips, rental income, among others). This value helps calculate the loan installments, considering an effort rate of up to 35%. From there, we can calculate the maximum credit amount you can request.","STEP_5_RENT":"Typical examples of fixed monthly expenses are: expenses on food, water, gas, electricity, communications and internet, or insurance. If you have deducted this amount from the Net Incomes, do not include that amount in this section. This value helps calculate the house rent.","STEP_6":"Typical examples of monthly fixed expenses are: expenses on food, water, gas, electricity, communications and internet, or insurance. If you have deducted this amount from the Net Incomes, do not include that amount in this section. This value helps calculate the loan installments, considering an effort rate of up to 35%.","STEP_6_RENT":"The value of savings will be deducted from the net monthly incomes to ensure that the calculation of the budget value for the rent of your future house takes into account your saving goals.","STEP_7":"Are you currently paying any installment associated with any loan/financing contracted? (e.g.: personal credit, car credit, etc.) To calculate how much you can pay per month to the bank, we need to subtract the monthly charges you may have with other loans. If you have charges with loans you will no longer have (current housing credit), do not consider them for this answer, please.","STEP_7_RENT":"Are you currently paying any installment associated with any loan/financing contracted? (e.g.: personal credit, car credit, etc.). To calculate how much you can pay per month to the bank, we need to subtract the monthly charges you may have with other loans.","STEP_8":"It is essential for us to know the market value of your current house to calculate the maximum entry value you will have available for a property. If you do not know the current market value of your property, find out through the button \"click here\". If you have an outstanding debt value on your current property, you should indicate it so that the presented result is as accurate as possible.","STEP_9":"In this step, you have the possibility to calculate the market value of your current house based on your knowledge."},"POP_UP_TITLE":{"STEP_1":"About what you want","STEP_2":"About where you want to buy a house","STEP_2_RENT":"About where you want to rent a house","STEP_3":"About who the financing is for","STEP_3_RENT":"About who the rental is for","STEP_4":"About the value of your savings","STEP_4_RENT":"About your net monthly incomes","STEP_5":"About your net monthly incomes","STEP_5_RENT":"About your monthly fixed expenses","STEP_6":"About your fixed expenses","STEP_6_RENT":"About how much you want to save per month","STEP_7":"About other loans","STEP_7_RENT":"About monthly expenses with loans","STEP_8":"About the value of your house","STEP_9":"About calculating the value of your house"},"ERRORS":{"minimum_financial_value":"Does not meet the minimum financing amount","immune__IMT":"The property is exempt from IMT payment","invalid__age":"The applicant's age must be between 18 and 72 years old"},"WARNING_BEFORE_CLOSE":{"title":"Leave Simulation","description":"Do you want to leave the simulation? All progress will be lost.","cancel":"Cancel","leave":"Leave"},"default":{"goBack":"Go Back","main_title":"Find out how much you can spend","main_subtitle":"How much can I borrow for my loan?","WELCOME_PAGE":{"title":"Don't know how much money you can borrow for your future home?","paragraph_1":"With this simulator, taking into account your household's monthly income, expenses and savings, you can calculate the maximum amount of rent you can afford and, if you wish, you can calculate the maximum amount of financing you can request, also taking into account the taxes involved.","paragraph_2":"With just a few pieces of information, get a detailed simulation."},"STEP_1":{"QUESTION_1":{"label":"What do you want?","OPTIONS":{"0":{"label":"Buy a house","note":"I want to know how much I can borrow based on my savings, income, and monthly expenses."},"1":{"label":"Change house","note":"I want to know how much I can borrow based on my savings, income, monthly expenses, and by selling my home."},"2":{"label":"Rent a house","note":"I want to know how much I can afford to pay for rent based on my monthly income, expenses, and savings."}}}},"STEP_2":{"QUESTION_1":{"label":"Where do you want to buy a house?","labelRent":"Where do you want to rent a house?","placeholder":"District","inputPlaceholder":"Search District *","OPTIONS":{"0":"Aveiro","1":"Beja","2":"Braga","3":"Bragança","4":"Castelo Branco","5":"Coimbra","6":"Évora","7":"Faro","8":"Guarda","9":"Madeira Island","10":"Flores Island","11":"Porto Santo Island","12":"Santa Maria Island","13":"São Jorge Island","14":"São Miguel Island","15":"Corvo Island","16":"Faial Island","17":"Pico Island","18":"Graciosa Island","19":"Terceira Island","20":"Leiria","21":"Lisbon","22":"Portalegre","23":"Porto","24":"Santarém","25":"Setúbal","26":"Viana do Castelo","27":"Vila Real","28":"Viseu"}},"QUESTION_2":{"placeholder":"Property Typology *","OPTIONS":{"0":"T0 or higher","1":"T1 or higher","2":"T2 or higher","3":"T3 or higher"}}},"STEP_3":{"QUESTION_1":{"label":"Who is the financing for?","labelRent":"Who is the rental for?","alternativeLabel":"Number of Proponents","note":"If you are married or in a civil union, you should select 'For two people'.","OPTIONS":{"0":"Just for me","1":"For two people"}},"QUESTION_2":{"label_1":"Date of birth","label_2":"Date of birth of the oldest person","label_2_alternative":"Date of birth of the oldest person"}},"STEP_4":{"QUESTION_1":{"label":"How much can you provide as a down payment?","labelRent":"How much do you want to save per month?","noteRent":"Value of your net income you want to allocate to savings per month.","placeholder":"Down Payment Amount *","placeholderRent":"Monthly savings"}},"STEP_5":{"QUESTION_1":{"label":"What are your monthly net incomes?","note":"Sum of all monthly incomes, including self-employed or employed earnings, rental income, etc., net of taxes.","placeholder":{"option1":"Monthly Net Incomes *","option2":"Monthly Net Incomes of the household *"}}},"STEP_6":{"QUESTION_1":{"label":"What is the value of your fixed expenses?","labelRent":"What is the value of your monthly fixed expenses?","note":"Sum of monthly expenses with current expenses (groceries and food expenses, daycare/school, among others...)","placeholder":"Value of monthly expenses","placeholderRent":"Monthly fixed expenses"}},"STEP_7":{"QUESTION_1":{"label":"Are you paying other loans?","labelRent":"Are you paying any loan?","label_alternative":"Expenses for other loans","note":"Sum of monthly expenses with other loans (installments for personal loans, car loans, among others...)","noteRent":"Sum of monthly expenses with loans/financing (installments for personal loans, car loans, among others...).","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_2":{"placeholder":"Value of other loans","placeholderRent":"Monthly expenses with loans"}},"STEP_8":{"label":"Find out how much your house is worth","note":"To obtain the market value of your house, we need you to fill in the following fields:","doYouKnowYourHouseValue":"Find out how much your house is worth","errorNotEnoughDataAVM":"It was not possible to calculate the Market Value of your house based on the entered data. Please enter an approximate Market Value, or obtain another Market Value with different characteristics","infoPreFetchedAVMValue":"We pre-filled the information you previously added in the Personal Area of your house. If the data is incorrect, you can edit it.","infoPreFetchedAVMData":"We pre-filled the information you previously added in the Personal Area of your house.
If the data is incorrect, you can edit it.","AVM_action_call":{"text":"To obtain the Market Value of your house","link":"click here"},"QUESTION_1":{"placeholder":"Market value of your current house"},"QUESTION_2":{"placeholder":"Address"},"QUESTION_3":{"placeholder":"Parish"},"QUESTION_4":{"placeholder":"Type of property","OPTIONS":{"0":"House","1":"Apartment","2":"Farm/Estate"}},"QUESTION_5":{"placeholder":"Typology","OPTIONS":{"0":"T0","1":"T1","2":"T1+1","3":"T2","4":"T2+1","5":"T3","6":"T4","7":"T5","8":"T6","9":"T7","10":"T8","11":">T8"}},"QUESTION_6":{"placeholder":"Condition of the property","OPTIONS":{"0":"New","1":"Like New","2":"Used"}},"QUESTION_7":{"placeholder":"Year of construction (Optional)"},"QUESTION_8":{"placeholder":"Total area (m2)"},"QUESTION_9":{"placeholder":"Usable area (m2) (Optional)"},"QUESTION_10":{"label":"Do you have any outstanding debt?","label_alternative":"Outstanding debt value","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_11":{"placeholder":"Outstanding debt value of your current house"}},"STEP_9":{"QUESTION_1":{"label":"The value of your house is:","placeholder":"Value of your current house"},"QUESTION_2":{"label":"Do you have any outstanding debt?","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_3":{"placeholder":"Outstanding debt value of your current house"}},"STEP_10":{"QUESTION_1":{"label":"Do you have any outstanding debt?","OPTIONS":{"0":"Yes","1":"No"}},"QUESTION_2":{"placeholder":"Debt value of your property"}},"REPORT_PAGE":{"title1":"How much can you spend on buying your house?","title2":"How much can you spend on renting your house?","tan":"TAN","monthly_fee":"Monthly Fee","restart_simulation":"Restart Simulation","edit_answers":"Edit Answers","see_result":"See Result","SAVE_LEADS":{"checkbox":"I would like to receive the simulation by email","title":"Receive simulation by email","placeholder":"Email","message":"To receive the simulation by email as well as possible communications that may interest you, enter your email address.","confirm":"Confirm","success":"Simulation sent successfully","genericError":"Something went wrong, please try again.","emailError":"Please enter a valid email"},"OUTPUT_TABLE":{"more_details":"More details","other_costs":"Other costs","property_price":"Property Price","loan_value":"Loan Value","entrance_value":"Down Payment Value","monthly_payment_associated":"Loan Payment","percentage_house_entrance":"Percentage of house down payment","effort_rate":"Effort Rate","imt":"IMT","aquisition_tax":"Stamp Duty on Acquisition","housing_credit_tax":"Stamp Duty on Housing Credit","payment_term":"Term","years":"years"},"PERCENTAGE_GRAPH":{"labels":{"house_entrance":"Down Payment Value","loan_value":"Loan Value"}},"EFFORT_RATE_SLIDER":{"labels":{"rent_value":"Rent Value","effort_rate":"Effort Rate:","text_slider":"Based on your information, the price of this property is within your budget"},"rent_error_message":"Considering your information, the rent value is above your budget. The amount you selected may impact your savings capacity.","buy_error_message":"Considering your information, the property value is above your budget. Please adjust the values of your responses."},"LEGAL_INFO":{"0":"The treatment of the data provided by customers for the use of this simulator is the sole responsibility of Banco BPI S.A.","1":"The result presented is indicative and was calculated considering the information you provided us.","2":"The approval of a credit request is subject to a credit analysis that includes an analysis of the information from the Credit Bureau of the Bank of Portugal and implies that the applicants have no credit defaults. If you are not a Customer, approval also depends on the Bank's Customer acceptance policy.","3":"Credit is granted by BPI, without credit intermediation, and is secured by mortgage on property. The granting of credit is subject to the macroprudential rules of the Bank of Portugal. The applied interest rate (TAN) may assume negative values depending on the evolution of the respective index.","changeFilledValuesWarning":{"0":"BPI cannot grant Housing Credit if Savings do not represent at least 10% of the property price, always respecting the minimum financing amount of €30,000.","1":"Additionally, Monthly Net Incomes should be sufficient to support the installment associated with the necessary financing amount.","2":"Please,","3":" adjust the values","4":" of your answers.","5":"It was not possible to complete your simulation because your Date of Birth is not valid. Please enter a valid Date of Birth between 18 and 72 years.","6":"Based on your responses, we were unable to calculate the result of the simulation."}}},"BUTTONS":{"TOOLTIP":{"label":"Learn more"},"continue":"Continue","simulate":"Simulate","previous":"Previous","calculate":"Calculate property value","ok":"Ok","cancel":"Cancel","finish":"Finish","creditSimulation":"Mortgage Credit Simulator","seeHouses":"See houses up to ","askForContact":"Request contact"},"CONTACT":{"needHelp":"Need help?","talkWithUs":"Find the help you need here, quickly and easily. Whether it's a question or a problem, we're here for you.","talkWithUsMobile":"Find the help you need here."},"LABELS":{"INPUT_PLACEHOLDERS":{"dropdown":"Select","numeric_text_input":"0.00"},"CURRENCY":{"currency_text":"EUR","currency_per_month":"EUR/month","symbol_currency_per_month":"€/month"}},"POP_UP_TEXT":{"STEP_1":"Select one of the following Simulation options. If you intend to change your property, we will add its value to the entry amount for this financing (deducted from an intermediary fee of 5% and any debt you may have on the property).","STEP_2":"Although this information does not directly impact the amount the bank may be willing to finance, it is based on these data that we will be able to present recommendations that are aligned with your budget and preferences (typology, among others).","STEP_2_RENT":"Although this information does not directly affect the rent amount of the house, based on these data we will be able to present recommendations that are aligned with your budget and preferences (typology, among others).","STEP_3":"The number of applicants may impact the amount of available net monthly incomes and, consequently, the monthly effort rate associated with the installment. Additionally, the age of the oldest applicant will impact the maximum term of the financing that the bank may grant.","STEP_3_RENT":"The number of applicants may impact the amount of available net monthly incomes and, consequently, the monthly effort rate associated with the rent value.","STEP_4":"We will considere 100% of the amount you indicate for the house down payment.","STEP_4_RENT":"Indicate the sum of the net incomes of the household (pay slips, rental income, among others). This value helps calculate the rent, considering an effort rate. From there, we can calculate the maximum rent value you can afford.","STEP_5":"Indicate the sum of the net incomes of the household (pay slips, rental income, among others). This value helps calculate the loan installments, considering an effort rate of up to 35%. From there, we can calculate the maximum credit amount you can request.","STEP_5_RENT":"Typical examples of fixed monthly expenses are: expenses on food, water, gas, electricity, communications and internet, or insurance. If you have deducted this amount from the Net Incomes, do not include that amount in this section. This value helps calculate the house rent.","STEP_6":"Typical examples of monthly fixed expenses are: expenses on food, water, gas, electricity, communications and internet, or insurance. If you have deducted this amount from the Net Incomes, do not include that amount in this section. This value helps calculate the loan installments, considering an effort rate of up to 35%.","STEP_6_RENT":"The value of savings will be deducted from the net monthly incomes to ensure that the calculation of the budget value for the rent of your future house takes into account your saving goals.","STEP_7":"Are you currently paying any installment associated with any loan/financing contracted? (e.g.: personal credit, car credit, etc.) To calculate how much you can pay per month to the bank, we need to subtract the monthly charges you may have with other loans. If you have charges with loans you will no longer have (current housing credit), do not consider them for this answer, please.","STEP_7_RENT":"Are you currently paying any installment associated with any loan/financing contracted? (e.g.: personal credit, car credit, etc.). To calculate how much you can pay per month to the bank, we need to subtract the monthly charges you may have with other loans.","STEP_8":"It is essential for us to know the market value of your current house to calculate the maximum entry value you will have available for a property. If you do not know the current market value of your property, find out through the button \"click here\". If you have an outstanding debt value on your current property, you should indicate it so that the presented result is as accurate as possible.","STEP_9":"In this step, you have the possibility to calculate the market value of your current house based on your knowledge."},"POP_UP_TITLE":{"STEP_1":"About what you want","STEP_2":"About where you want to buy a house","STEP_2_RENT":"About where you want to rent a house","STEP_3":"About who the financing is for","STEP_3_RENT":"About who the rental is for","STEP_4":"About the value of your savings","STEP_4_RENT":"About your net monthly incomes","STEP_5":"About your net monthly incomes","STEP_5_RENT":"About your monthly fixed expenses","STEP_6":"About your fixed expenses","STEP_6_RENT":"About how much you want to save per month","STEP_7":"About other loans","STEP_7_RENT":"About monthly expenses with loans","STEP_8":"About the value of your house","STEP_9":"About calculating the value of your house"},"ERRORS":{"minimum_financial_value":"Does not meet the minimum financing amount","immune__IMT":"The property is exempt from IMT payment","invalid__age":"The applicant's age must be between 18 and 72 years old"},"WARNING_BEFORE_CLOSE":{"title":"Leave Simulation","description":"Do you want to leave the simulation? All progress will be lost.","cancel":"Cancel","leave":"Leave"}}},"PARTNER_DISCOUNTS":{"title":"Partner Discounts","goBack":"Go back","equipar_a_casa":"Equip the house","gerir_a_casa":"Manage the house","manter_a_casa_segura":"Keep the house safe","servicos_para_a_casa":"Services for the house","description":"","about":{"about_title":"About","support_title":"Customer Support","support_phone_title":"Phone","support_email_title":"Email"},"discount_section":{"until":"Until","buy_online":"Buy Online","discover_now":"Discover now","ask_for_online_service":"Request online service"},"conditions_section":{"title":"Conditions"},"modal":{"modal_title":"Promotional Code","first_code_used":"You have already used the first-time discount.","modal_description":"Enter the following code during the checkout process, so the discount amount is applied.","modal_instruction":"Enter the code at checkout at {partnerName}.","other_discounts":"Other discounts you can use on {partnerName}'s services","use_code":"Use Code","modal_button":"Go to website","copy_feedback":"Link copied!"},"genericError":"Something went wrong, please try again.","usedDiscount":"Oops, you have already used this discount","partnerDiscountWarning":{"title":"Attention","description":"You are about to leave the discount screen. Make sure you have noted the discount code, as you will not be able to use it again once you leave.","ok":"I Noted the Code","cancel":"Cancel"},"default":{"title":"Partner Discounts","goBack":"Go back","equipar_a_casa":"Equip the house","gerir_a_casa":"Manage the house","manter_a_casa_segura":"Keep the house safe","servicos_para_a_casa":"Services for the house","description":"","about":{"about_title":"About","support_title":"Customer Support","support_phone_title":"Phone","support_email_title":"Email"},"discount_section":{"until":"Until","buy_online":"Buy Online","discover_now":"Discover now","ask_for_online_service":"Request online service"},"conditions_section":{"title":"Conditions"},"modal":{"modal_title":"Promotional Code","first_code_used":"You have already used the first-time discount.","modal_description":"Enter the following code during the checkout process, so the discount amount is applied.","modal_instruction":"Enter the code at checkout at {partnerName}.","other_discounts":"Other discounts you can use on {partnerName}'s services","use_code":"Use Code","modal_button":"Go to website","copy_feedback":"Link copied!"},"genericError":"Something went wrong, please try again.","usedDiscount":"Oops, you have already used this discount","partnerDiscountWarning":{"title":"Attention","description":"You are about to leave the discount screen. 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After analysing and evaluating the property and if everything is in order, you'll receive the final approval letter to proceed with the deed."}},"footer":{"title":"Still having doubts?","description":"We're here to answer any questions you may have","content":{"title_1":"Frequently asked questions","description_1":"Find quick answers to the most common questions about home loans in our FAQs - without the hassle.","button_1":"Consult Frequently Asked Questions","title_2":"Do you need help?","description_2":"Fill in a contact request to clarify all your questions.","button_2":"Make a contact request"}},"disclaimer":{"description":"BPI Housing Loan Mixed Rate - 3 years. Amounts without optional associated sales: Base APR: 4.3% and Base MTIC of € 264,362.55. Fixed Base APR of 3.300% for the first 3 years of the loan and variable Base APR of 3.616% (made up of the arithmetic average of the 6-month Euribor for May 2025, rounded to the thousandth plus a spread of 1.5%) for the remaining period, 36 monthly instalments of € 656.93 and 324 monthly instalments of € 681.12, average annual life and multi-risk insurance premium of € 619.64. Values with optional associated sales: Contracted APR: 3.5% and Contracted MTIC of €241,631.10. Fixed Contracted APR of 2.550% during the first 3 years of the loan and variable Contracted APR of 2.866% (made up of the arithmetic average of the 6-month Euribor for May 2025, rounded to the thousandth plus a spread of 0.75%), for the remaining period, 36 monthly instalments of € 596.59 and 324 monthly instalments of € 619.42, average annual life and multi-risk insurance premium of € 600.65. Assumes the following conditions: Life Insurance and Multi-risk Insurance associated with the Home Loan and commercialised by BPI6 and one of the following: A+, A, B energy certificate or BPI Package Account for personal use with Automatic Wage Domiciliation (not applicable to the SMB Account or Base Account). Values calculated in June 2025. Assumes 2 applicants aged 30, who already hold a BPI Package Account (account maintenance fee not included in the APR), for a loan of €150,000.00 contracted with BPI, by means of an Authenticated Private Document, with a 70% guarantee financing ratio, initial costs of €1,396.78, in the form of a mixed rate with a property mortgage for a period of 30 years. The interest rate applied to the acquisition and construction of permanent, secondary or rental housing may be negative depending on the evolution of the respective index. With the exception of situations provided for by law, early repayments are subject to a commission of 2% in the Fixed Rate modality and 0.50% in the Variable Rate modality, on the capital to be repaid plus Stamp Duty. The campaign is valid for proposals taken out on or after 1 June 2025, approved by 30 September 2025 and contracted by 31 December 2025 at BPI.","description_2":"It does not constitute a contractual proposal and does not dispense with consulting the legally required pre-contractual and contractual information, which can be obtained at BPI branches. This contract is subject to prior approval by the entities involved and an assessment of the solvency of the parties involved in the operation. In its capacity as Insurance Agent, Banco BPI assumes no responsibility for covering the risks inherent in the insurance contract, which are assumed by the Insurers. This information is of an advertising nature. These insurances are products of BPI Vida e Pensões - Companhia de Seguros, S.A. or Companhia de Seguros Allianz Portugal, S.A, marketed by Banco BPI, S.A., with registered office at Avenida da Boavista, 1117 - 4100-129 Porto, as Insurance Agent no. 419527591, registered with the Insurance and Pension Funds Supervisory Authority on 21/01/2019, and authorised to carry on business in the Life and Non-Life Insurance Branches. Banco BPI, S.A. holds shares of more than 10% in Companhia de Seguros Allianz Portugal, S.A.. Caixabank, S.A. owns 100% of Banco BPI, S.A. and indirectly 100% of BPI Vida e Pensões - Companhia de Seguros, S.A.. Further information on the register is available at www.asf.com.pt. Banco BPI, S.A. has a contractual obligation to carry out insurance mediation activities exclusively for one or more insurance companies and is remunerated, by way of fixed commission, with part of the insurance premium and variable commission depending on its overall performance. In its capacity as Insurance Agent, Banco BPI, S.A. assumes no responsibility for covering the risks inherent in the insurance contract, limiting itself in the contract formation process to providing interested parties with objective information on the covers presented, thereby promoting an informed decision by the customer and is not authorised to receive premiums, its intervention being limited to proposing or carrying out preparatory acts for the conclusion of insurance contracts, carrying out formalisation processes and assisting in the management and execution of the insurance contract. The Customer has the right to request information on the name of the insurance company or companies with which Banco BPI, S.A. works, relevant to the requirements and needs presented and on the remuneration the intermediary will receive for providing the mediation service. No other insurance intermediaries are involved in this contract. Complaints against Banco BPI, S.A. may be submitted to the Insurance and Pension Funds Supervisory Authority. Without prejudice to the possibility of recourse to the courts, in the event of a dispute arising from the insurance mediation activity carried out in Portuguese territory, Clients may resort to out-of-court dispute resolution bodies that may be set up for this purpose. All information regarding insurance can be obtained from Premier branches and centres, www.bancobpi.pt or by calling 217 207 703 (call cost for national landlines, with personalised service, on working days from 9am to 10pm)."}}}}