taxa mista
Published 8 November 2026, 22:44
taxa mista (mixed loan rate)
A mortgage rate where the interest is fixed for the first few years, after which the loan switches to a variable rate: Euribor plus the spread. People choose it because the fixed period at the start gives predictable repayments — though afterwards the loan is tied to Euribor again anyway.
Where you come across it. Choosing a mortgage and discussing with the bank which rate to take.
What matters most is what happens when the fixed period ends: an ordinary variable rate kicks in, and the repayment changes at every review. Check in the contract what spread will apply after that period — in advance, not once it has arrived.
Official website: clientebancario.bportugal.pt