Credit Intermediation

At A Casa da Joana ®, we understand that financing is a crucial part of acquiring your dream property. Therefore, we offer complete credit intermediation services to ensure you find the best financial solution for your situation. We work closely with a network of financial institutions to offer you the most advantageous options in terms of interest rates and payment terms.

Our team is ready to analyze your financial profile, help you prepare the necessary documentation and monitor the entire process until your credit is approved. With our support, you will have access to a personalized and efficient service, facilitating the realization of your real estate dream with the peace of mind and confidence you deserve.

Email – geral@acasadajoana.pt | Phone – 914 064 914 (call to national mobile network)

Registration Number with the Bank of Portugal: 0007356

Tax Headquarters: Rua Doutor Alberto Soares Machado nº85, 3800-146, Aveiro

Verification of registration with the Bank of Portugal: https://www.bportugal.pt/intermediariocreditofar/joana-portela-unipessoal-lda

Category of Credit Intermediary: Tied Credit Intermediary

Exclusivity Regime: No

Lenders with whom there is a binding contract:

· BANCO SANTANDER TOTTA, S.A.

· BANCO BIC PORTUGUÊS, SA

· UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL

· BANKINTER, S.A. - BRANCH IN PORTUGAL

· ABANCA CORPORACIÓN BANCARIA, S.A., BRANCH IN PORTUGAL

· NOVO BANCO, S.A.

· CAIXA GERAL DE DEPÓSITOS, S.A.

· BANCO BPI S.A.

· SICAM - CAIXA CENTRAL AND CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO

Credit intermediation services authorized by the Bank of Portugal:

a) Presentation or proposal of credit agreements to consumers

b) Assistance to consumers by performing preparatory acts or other pre-contractual management work in relation to credit agreements not presented or proposed by it

Identity of the entity that guarantees civil liability for credit activity: Allianz

Mortgage Credit Policy Number and its validity: Policy – 206713709 valid until 12/09/2024

Consumer Credit Policy Number and its validity: Policy – 206833797 valid until 03/30/2025

Total restriction on the receipt of funds: Under no circumstances may As Finanças Cá de Casa receive any funds from consumers that are related to the formation, execution, and early compliance of credit agreements, under the terms of Article 46 of Decree-Law 81-C/2017 of July 7

Supervisory entity for IC activity: Bank of Portugal

Conflict resolution centers: Arbitration Court | CNIACC – National Center for Consumer Conflict Information and Arbitration

Make complaints: Our establishment has a complaints book