Credit Intermediation
A credit intermediary is a person, singular or collective, who participates in the credit granting process. The credit intermediary is not authorised to grant credit or to intervene in the marketing of other banking products or services, such as term deposits or payment services.
Credit Intermediary registered under paragraph 0006270, with Banco de Portugal
Home Member State: Portugal
Category in which it operates: Linked
Consulting services: Yes
Credit agreements covered: Housing credit
Identification of the lenders or groups with which it maintains a binding contract:
BANCO BIC PORTUGUÊS, SA
NOVO BANCO, SA
CAIXA GERAL DE DEPÓSITOS, SA
BPI BANK, SA
BANCO SANTANDER TOTTA, SA
Exclusivity regime: No
Professional domicile:
Gafaria Street, Lot 11, Loja O
8600-545 Lagos, Faro, Portugal
Phone contact - 962 269 356
Email address: costa@costaproperties.pt
For the proper purposes it is stated that Ageas Portugal, Companhia de Seguros, S.A.com headquarters in Rua Gonçalo Sampaio, 39, Apart. 4076, 4002-001 Porto, with NIPC 503 454 109, entered into an insurance contract in the following terms:
Policy No. 008410210512
NIF: 500911819
Policyholder: APEMIP
LUIS MIGUEL BARATA COSTA
Gafaria Street, Lot 11, Loja O
8600-545 Lagos
NIF: 237713454
APEMIP No.: 5298
Start Date: 05/11/2021
Due date: 16/10/2022
Geographical Coverage: Portugal
Safe Activity/Safe Object: Real Estate Credit Intermediary
Liability Exploitation 750,000.00 €
Professional Civil Liability, if contracted coverage 750,000.00 €
The maximum compensation limit to be settled under the above policy is €5,000,000.
Capital; € 750,000.00 per ananthity with a limit per claim of € 460,000.00 (per insured).
Deductible per claim: 10% of the value of losses, at least € 500.00 and maximum of € 1,500.00.
According to Article 46 of Decree-Law No. 81-C/2017 0, it is forbidden for credit intermediaries to receive or deliver any amounts related to the formation, execution and early compliance of credit agreements.
The activity of credit intermediaries is regulated:
- By Decree-Law No. 81-C/2017 of July 7, which approved the legal regime establishing the requirements for access and exercise of the activity of credit intermediary and the provision of consulting services related to credit agreements;
- By Notice of Banco de Portugal No. 6/2017;
- By Instruction No. 16/2017, from Banco de Portugal.