The new housing for people with disabilities credit scheme comes into force on January 1, Thursday, today reminded the Bank of Portugal (BoP) in a statement published on its website.
You can access the new regime “natural persons over 18 years and a degree of disability equal to or greater than 60% and wishing to hire a loan to permanent housing”, says the central bank .
can also access this credit scheme individuals who have acquired a degree of disability equal to or greater than 60% at a later stage than taking out a loan to permanent housing.
The law establishes an autonomous system for the granting of mortgage loans to people with disabilities and provides for a subsidized interest rate, provided that the conditions of access to the scheme.
One of the conditions refers to the borrowed amount not in 2015 exceed 190 000 euro, and this amount is updated annually according to the consumer price index.
The maximum loan term in turn, can not exceed 50 years and the amount “may not exceed 90% of the appraised value of housing by the credit institution, or the cost of regular maintenance works, extraordinary or rehabilitation.”
The loan, also focuses on the bop, “can not be intended for the purchase of property rising property or the person down” and “no household member can have another loan in subsidized credit scheme”.
The loans covered by this credit scheme benefit from a subsidy on the interest rate equal to the difference between the reference rate set by Ordinance No 502/2003 of 26 June (TRCB), and 65 % of the European Central Bank reference rate (ECB).
“If the contracted interest rate is lower than the TRCB, the bonus is calculated taking into account the difference between the contracted interest rate and 65% the ECB reference rate “, stresses the entity led by Carlos Costa.
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