• Benefits
  • Costs
  • Features
  • How to Apply
  • Related Subjects
Do you want to …
Buy a house? … Build, rebuild or renovate?
Then come talk with us and learn all the advantages of the Crédito à Habitação (Home Loan) that we have designed to support your project:
  • ​Maturity: from 5 to 20 years;
  • Loan Amount: up to 60% of the real estate appraisal value;
  • Interest Rate: variable with a competitive spread; 
  • Monthly Instalments;
  • E​arly Repayment option.  
    Millennium bim trusts its Clients and shows it by supporting their projects.
    There are 3 types of costs related with the Crédito Habitação (Home Loan):
    A management fee is applicable for arranging or modifying the loan.
    The applicable interest rate charged will be the PRSF-Prime Rate of the Financial System plus a spread defined according to the Risk Analysis performed by the Bank.
    Early Repayment
    A penalty fee applies for early repayments in full or partially.
    For further details, please check the Bank's Price List available online and at any Millennium bim Branch.
    The Crédito à Habitação is a financing solution, for medium and long term, to support the purchase, construction or renovation of residential property.
    Minimum: 5 years (60 months)
    Maximum: 20 years (240 months)
    Up to 60% of the residential property appraisal value.
    Interest Rate
    Rate indexed to the PRSF-Prime Rate of the Financial System ensuring a mortgage always adjusted to the market conditions.
    Monthly instalments of principal and interest, being the first one due 30 days after the funds' disbursement or in a date agreed between the Customer and the Bank.
    Early Repayment
    Allowed. However, a peanlty fee applies for early repayments in full or partial, according to the Bank's Price List available online and at any Millennium bim Branch.
    First degree mortgage consisting of the property and a blank Promissory Note.
    Life Insurance and Real Estate Insurance.

    In order to apply to a Crédito Habitação, please:
  • Visit a Millennium bim Branch or Contact your Relationship Manager and ask for a loan simulation;
  • Obtain more information by calling us at:
  • +258 21 35 00 35
    +258 82 35 00 350
    +258 84 35 00 350
    +258 86 35 00 350
    This way you will get all the necessary information to find the Loan and terms more adequate to your needs.



    We also suggest the following useful information: 
  • ​​Life Insurance 
  • Real Estate Insurance
  • Real Estate Leasing​