FINE
Published 8 November 2026, 22:51
FINE — Ficha de Informação Normalizada Europeia (standard sheet setting out the loan terms)
A document the bank must give you before you sign a housing loan agreement. The form is the same at every bank, so offers can be laid side by side and compared: amount, term, type of rate, indexante and spread, TAEG, monthly payment, compulsory insurance and fees.
Where you come across it. Discussing a mortgage with the bank: the FINE comes with the loan decision, before you go to the notary.
Compare offers by TAEG, not by spread alone: TAEG already includes insurance and fees. With a mixed rate, also check in the FINE what rate will apply after the fixed period ends.
Official website: clientebancario.bportugal.pt