REGULATORY INFORMATION
Credit Intermediary Details
All the information the law requires about FINOVA: identification, category, insurance, lenders and remuneration. Permanently available, as Banco de Portugal requires.
Published under article 53 of Decree-Law no. 81-C/2017, of 7 July.
Regulatory declaration.
FINOVA is the trading name of Susana Cardoso Montenegro Santos de Vasconcelos, a credit intermediary authorised by Banco de Portugal under register no. 0008496, in the tied credit intermediary category, with no exclusivity arrangement. Activity covered: mortgage credit. The register can be consulted at bportugal.pt.
Remuneration for credit intermediation is paid by the lenders, after the credit agreement is concluded.
Professional address: Rua de Pedrouços n.º 37B, 1400-285 Lisboa. Tax number (NIF): 231 428 812
Intermediary details.
- Presenting or offering credit agreements to consumers
- Assisting consumers with preparatory work or other pre-contractual administration for credit agreements not presented or offered by the intermediary
- Concluding credit agreements with consumers on behalf of lenders
Professional liability insurance.
Susana Vasconcelos holds a professional liability insurance contract in force, as required of credit intermediaries authorised by Banco de Portugal.
The lenders we are tied to.
FINOVA has a tied agreement with each of the following lenders, as shown in the Banco de Portugal register:
- CAIXA GERAL DE DEPÓSITOS, S.A.
- BANCO BPI S.A.
- NOVO BANCO, S.A.
- UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL
- ABANCA PORTUGAL, S.A.
- BANKINTER, S.A. - SUCURSAL EM PORTUGAL
- BANCO CTT, S.A.
How we are paid.
FINOVA’s remuneration is paid by the lender (bank) the client chooses, as a commission calculated on the amount of credit granted, and only after the credit agreement is concluded.
If the client does not go ahead with any of the offers obtained, no remuneration is due to FINOVA or to any lender. This applies regardless of the type of credit intermediated.
Complaint channels.
Any client may make a complaint directly to FINOVA (by email or through the internal form), to Banco de Portugal, in the Livro de Reclamações (the official complaints book) or to CACCL/CNIACC for alternative dispute resolution. Full details on the Complaints page.