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
Comodidade e Rapidez
Subscrição com pré-aprovação e decisão imediata; Financiamento em até 48 horas após a receção do contrato.
Sem comissões nem obrigações
Sem comissão de abertura e sem obrigatoriedade de subscrição de produtos adicionais.
Processo digital mais simples
Possibilidade de utilizar a Chave Móvel Digital para simplificar a assinatura e o envio de documentos.
Mensalidade e Taxas Fixas
Para saber sempre com o que contar todos os meses, sem surpresas.
VISITE UMA LOJA HOMYCASA
Dirija-se a uma das nossas lojas físicas e fale com a nossa equipa para iniciar o processo de financiamento.
ESCOLHA E SIMULE
Selecione os produtos que pretende e descubra, com o nosso apoio, a solução de financiamento mais adequada ao seu orçamento.
APROVAÇÃO E CONCLUSÃO
O pedido é analisado pela Cetelem.
Após aprovação, pode finalizar a sua compra de forma simples e segura.
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% |
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.° 0008367, 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% |
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.° 0008367, 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 | ✓ |
Learn how to apply for your loan in the video below.
Frequently asked questions
Who is eligible to apply for funding?
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%.
Can I add a second borrower to the financing?
Yes, you can include a second account holder. To do this, simply click "Yes" and fill in the details of the second account holder.
When will the first monthly payment be defined?
The first monthly payment will be a minimum of 30 days and a maximum of 60 days from the contract signing date
Can I repay or settle the credit agreement before the due date?
Yes. You can partially amortize or repay your credit agreement early, whenever you wish.
How long does it take to process my credit application?
The response can be as quick as 5 minutes. If there is any missing information, the deadline may be longer.
What is the reason and timeframe for my credit application?
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.
Who is Infocert and why is the company going to manage a certificate for my digital signature?
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.
In what format should I upload the files with my documentation?
Files must be uploaded in accepted formats: PDF, JPG, PNG. The maximum size for each file is 10 MB.
I have not received the SMS to sign the contract digitally. What should I do?
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).
What is the Order Status?
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.
How can I access the digitally signed contract?
If your application is still under review, you can view the contractual documentation you signed in the Application Status area.
After approval, you can continue to temporarily view the digitally signed contract in that area.
Subsequently, the contract will be available in your Cetelem Online Banking.
How can I find out more about Cetelem or clarify questions regarding a financing application?
You can contact Cetelem through the available channels indicated on the website, by phone or through the Customer Area.
Glossary
TAN
Nominal interest rate applied to the loan.
APR
Annual Percentage Rate, which represents the total cost of credit.
MCTE
Total Amount Charged to the Consumer.
Round Monthly Fees
Fixed and equal monthly instalments throughout the contract.
Informative Note
HOMYCASA acts as an ancillary credit intermediary.
The approval and management of financing are the responsibility of Cetelem.
Credit subject to approval.