reembolso antecipado
Published 8 November 2026, 22:51
reembolso antecipado — early repayment of a loan
Paying off a loan ahead of schedule, in part or in full. Partial repayment: any amount, on any regular payment date, with 7 working days' notice to the bank. Full repayment: on any day, with 10 working days' notice. From 1 January 2026 the fee is up to 0.5% of the amount repaid on a variable-rate loan and up to 2% on a fixed-rate one.
Where you come across it. Paying off early, selling a flat, moving a loan to another bank.
There is no fee at all if the borrower dies, becomes unemployed (registered with the job centre for more than three months) or moves for work. The exemption that had been in force since 2022 ended on 31 December 2025.
Official website: clientebancario.bportugal.pt/pt-pt/como-reembolsar-e-transferir