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  1. Small and Medium
  2. Corporate
Open an Account
PT EN
Go to homepage
I want to...
Open an Account

INVESTMENT CREDIT

Financing product that provides support for short, medium and long-term projects, within the scope of the Customers' professional activity

Until 60 months

Luibor 1M + Spread*

Amount Term Rate

Minimum of AOA 50 000.00

*Consult the current interest rates.

Refund Conditions

  • Monthly installments of principal + interest
  • Defined grace period based on the purpose of the credit, specificity of the project and type of Customer

Acquisition Conditions

  • Company clients with a minimum 6-month relationship with ATLANTICO
  • Assessment of the property to be acquired (cost to be borne by the bidder)

Commissions and Charges

Commissions and charges for Credit Lines and Current Accounts apply.

Subscription and Formalization

It does not dispense consulting the credit procedure in force.

Tax

Commissions and consideration for financial services are subject to Value Added Tax of 14% in accordance with Article 12(1-i) of Law No. 7/19 of 24 April.
The use of credit is taxed according to the term of the credit granted, as follows:
- Term of one year or less: 0.5%;
- Term of more than 1 year: 0.4%;
- Term of 5 years or more: 0.3%.
In the case of using credit in which the term is not determined or determinable (e.g. through a current account) a rate of 0.1% is applied on the monthly average obtained by adding the outstanding balances ascertained daily during the month divided by 30.
Stamp Tax at 0.2% is added to interest charged.
Commissions for guarantees provided are subject to Stamp Tax at a rate of 0.5%.
Stamp Tax is levied on the value of guarantees (except when materially accessory), under the following terms:
- Term less than one year: 0.3%;
- Term of one year or more: 0.2%;
- No term or term of five years or more: 0.1%.

Useful documents

Investment Credit information sheet
0.07 mb

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