mortgage for a house in Portugal

Premium Private Loan for Household Staff: Become a Home-Owner in Portugal or Renovate Without Limits

Are you a house manager, butler, or estate steward? Your substantial remuneration unlocks an exclusive, high-end MultiCredit private loan—ideal for purchasing a dream villa in Portugal, from the Algarve to Comporta, or turning your current residence into a prestigious retreat, all under privileged terms

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1. Why choose a premium private loan?

Benefit	What it means for you
Extended credit line	Borrow CHF 50,000 – 400,000 based on your capacity.
Tailor-made rates	Our institutional desk secures the best CHF-EUR margin for you.
No collateral	Keep your stock and bond portfolio fully invested.
Rapid disbursement	Funds available within 24 h after e-signature.

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2. Buying a standout property in Portugal

a. Prime areas to target

• Western Algarve: Lagos, Praia da Luz, golf fairways.
• Golden Triangle: Quinta do Lago, Vale do Lobo, Vilamoura Marina.
• Lisbon Riviera: Cascais, Estoril, Costa da Caparica.
• Comporta & Melides: Portugal’s “Hamptons,” wild beaches.
• Madeira & Azores: unique micro-climates, direct flights from Zurich & Geneva.

b. Budget ≈10 % for acquisition costs

Item	Indicative percentage
IMT (transfer tax)	6–7.5 % (progressive scale)
Stamp duty	0.8 %
Notary & registry	0.5–1 %
Total	≈ 8–10 %

c. Built-in currency hedging

• Loan in CHF: natural protection against EUR/CHF volatility.
• Optional fixed swap if you wish to switch to EUR later.

d. Swiss tax optimisation

• Interest deductible in your canton; no local mortgage required.

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3. High-end renovations and extensions

True luxury? Customising without limits.

• Energy efficiency: solar panels, heat pump, coastal geothermal.
• Well-being & leisure: infinity pool with salt system, indoor spa, TrackMan® golf simulator.
• Signature architecture: Iberian courtyard, glass curtain façades, green roof.
• Passion spaces: climate-controlled super-car garage, art studio, humidity-controlled wine cellar.

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4. Exclusive MultiCredit advantages

Advantage	Concrete benefit
360° wealth analysis	Includes bonuses, seniority awards, trust or SICAV income.
Priority Banking access	Private (or video) meeting with a dedicated senior adviser.
Premium life-cover insurance	Up to CHF 1,000,000 at reduced premium for high-income profiles.
Free early repayment	Settle partly or fully when an exceptional bonus arrives.

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5. Eligibility requirements

• Net monthly income > CHF 10,000.
• Open-ended or long-term contract with a family/estate.
• ZEK record clear of major incidents.
• Post-loan debt ratio ≤ 33 % to preserve saving capacity.

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6. A streamlined 3-step process

Step	Time	Your action	Our action
1. VIP simulation	30 s	Enter income & desired amount.	We quote an indicative rate.
2. Secure upload	< 15 min	Upload payslips, bonus proof, portfolio statement.	Express AML-compliant review.
3. E-signature	5 min	Sign on your phone.	Release funds next day.

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7. Tips to maximise your leverage

1. Monetise variable income: bonuses, overtime, lodging perks.
2. Highlight stability: employer reference letter from the resident family.
3. Prepare a strategic down-payment: 20 % deposit can trim margin by 0.5 pt.
4. Keep high-performing investments: private credit avoids selling profitable Swiss-SMI equities.
5. Plan Portuguese taxes in advance: explore the NHR (Non-Habitual Resident) regime for extended stays.

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Ready to take the leap?

A contemporary villa in Quinta do Lago or a chic surf manor in Comporta awaits you. MultiCredit converts your purchasing power into real-estate freedom—without compromising your investments. Request your VIP simulation today!

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