The Cetelem Credit solution allows you to pay for your home purchases with greater flexibility and budget management.

Available exclusively at HOMYCASA physical stores, where you can handle the entire process with the support of our team.

Cetelem Advantages

Convenience and Speed

Subscription with pre-approval and immediate decision; Financing within 48 hours of receiving the contract.

No Commissions or Obligations

No opening fee and no obligation to subscribe to additional products.

Simpler Digital Process

Possibility of using the Digital Mobile Key to simplify the signing and sending of documents.

Fixed Monthly Fee and Rate

To always know what to expect each month, with no surprises.

VISIT A HOMYCASA STORE

Go to one of our physical stores and speak to our team to start the financing process.

CHOOSE AND SIMULATE

Select the products you want and, with our support, discover the financing solution that best suits your budget.

APPROVAL AND COMPLETION

The request is analysed by Cetelem.
After approval, you can complete your purchase simply and securely.

Why Cetelem financing?

Cetelem Financing helps you create your space with more comfort, whether to renovate your home, furnish a new room, or make your daily life more convenient. With different monthly payments, terms, and financing amounts, you can find the solution that best suits your budget directly at a HOMYCASA store, with the support of our team.

Terms and Conditions

Find here all the conditions and payment methods available.

Mensalidades Redondas

Prazo	Montante	TAN
De 3 a 60 meses	150€ a 30 000€	14,19%
De 4 a 51 meses	60€ a 5 000€	15,03%

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Ex: para crédito de 750,00€ pago em 21+1 mensalidades de 40,00€ + última de acerto de 15,65€. TAN 13,94%. Crédito sujeito a aprovação pelo Cetelem, marca BNP Paribas Personal Finance, S.A., Sucursal em Portugal (Registo BdP 848), junto do qual se deve informar. A "Available Purple, LDA", registada no BdP com o n.° 00088367, apresenta este produto de crédito a consumidores e atua como intermediário de crédito a título acessório e sem exclusividade.

Crédito Pessoal

Prazo	Montante	TAN	TAEG
De 3 a 84 meses	75€ a 30 000€	Desde 10,63%	15,5%

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Ex.: para crédito de 1.000,00€ pago em 24 mensalidades de 47,38€. Acresce ISUC de 17,60€ à 1.ª mensalidade. TAN 10,63%. TAEG 15,5%. Crédito sujeito a aprovação pelo Cetelem, marca BNP Paribas Personal Finance, S.A., Sucursal em Portugal (Registo BdP 848), junto do qual se deve informar. A "Available Purple, LDA", registada no BdP com o n.° 00088367, apresenta este produto de crédito a consumidores e atua como intermediário de crédito a título acessório e sem exclusividade.

Required documents

Documents required for your credit application

	Trabalhador por Conta de Outrém	Trabalhador por Conta Própria	Reformando ou Pensionista
Comprovativo de Identificação dos Titulares do Contrato Cartão de Cidadão ou Bilhete de Identidade + Cartão de Contribuinte	✓	✓	✓
Comprovativo de Residência Apenas um dos documentos Última fatura de Água, Luz, Gás, Telefone ou TV Cabo	✓	✓	✓
Comprovativo IBAN nominativo de um dos titulares do contrato Apenas um dos documentos Informação de Conta Via HomeBanking Último Extrato Bancário Talão de Multibanco com IBAN + Frente do Cartão Multibanco 1.ª Página da Caderneta	✓	✓	✓
Último Recibo de vencimento dos Titulares do Contrato	✓
Último Modelo 3 do IRS ou Código de Validação de Entrega		✓
Comprovativo de Pensão			✓

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Learn how to apply for your loan in the video below.

Frequently asked questions

The age for credit access is from 18 years old up to 75 years old. With a Top Plan, it can extend to 80 years old. The BIC is 14.9%.

Yes, you can include a second account holder. To do this, simply click "Yes" and fill in the details of the second account holder.

The first monthly payment will be a minimum of 30 days and a maximum of 60 days from the contract signing date

Yes. You can partially amortize or repay your credit agreement early, whenever you wish.

The response can be as quick as 5 minutes. If there is any missing information, the deadline may be longer.

The minimum credit term is 6 months and the maximum term is 84 months. The current credit agreement will regulate the rights related to the contractual obligations assumed.

Infocert is a certified entity, selected by Cetelem, responsible for the technological process of digital signature in accordance with European electronic signature legislation.

You can find out more on the Infocert website.

Files must be uploaded in accepted formats: PDF, JPG, PNG. The maximum size for each file is 10 MB.

The SMS code, which is personal and non-transferable, is sent directly to the mobile number provided during the credit application process.

If you have not received the SMS, you can request a new code by selecting the “Didn't receive a code?” option to have a new SMS sent.

If you still don't receive the code, please check if the mobile number provided during the credit application is correct. To do this, consult the special conditions (first page) of the contract automatically sent to your email.

If the number is incorrect, you should contact customer support by calling 21 721 90 00 (weekdays from 9 am to 6 pm).

It is an area where you can check the status of your credit application, sign the contract, and submit documents digitally.

To access this area, please consult Cetelem Application Status.

Then you will need to enter your tax identification number (NIF) and the mobile phone number associated with the application. You will receive an SMS with an authentication code.