Instruction (Historical) No. 3/2025

Summary

Publishes, for the 2nd quarter of 2025, the maximum rates to be applied in consumer credit contracts under Decree-Law No. 133/2009 of June 2.

Status

In force

Official Journal

2/2025

Supplement

Law

Enabling Law

Law No. 5/98 of January 31, Art. 17; Decree-Law No. 133/2009 of June 2, Art. 28

Descriptors

Client, Contract, Consumer Credit, Consumer Protection, Member State, Third Countries, Bank Branch, Supervision, Conduct Supervision, Effective Annual Percentage Rate of Charge (APRC)

Publication Date

07-03-2025

Disclosure Date

07-03-2025

Entry into Force Date

01-04-2025

Type of Recipient

Credit Institutions, Finance Companies

Recipients

Banks, Central Credit Agricultural Mutual Fund, Agricultural Credit Mutual Caisses, Agricultural Credit Mutual Caisses (not belonging to SICAM), Savings Banks, Mortgage Credit Institutions, Credit Financial Institutions, Factoring Companies, Mutual Guarantee Companies, Investment Companies, Finance Lease Companies, Credit Finance Companies

Theme :: Subtheme

Conduct Supervision

Link

Copied!

To improve your browsing experience, this site uses anonymized information provided by cookies. Cookie Policy

Cookies are files or text files that contain small amounts of information that are downloaded and stored on the user's device through their browser when visiting a web page. Cookies can be categorized according to the purpose they serve. There are cookies that are strictly necessary for the functioning of the site, while others collect statistical information in order to analyze the use of the site and its performance or are used to ensure the provision of additional functionalities to the site or to save the visitor's preferences regarding navigation, whenever you use the same device. This cookie policy is an integral part of the personal data protection policy. Learn more about these policies

Manage cookie preferences

Strictly necessary cookies

Always active

These cookies are necessary for the website to function and cannot be turned off in our systems. Normally, they are only configured in response to actions you take that correspond to a request for services, such as setting your privacy preferences, logging in, or filling out forms. You can configure your browser to block or alert you about these cookies, but some parts of the website will not work. These cookies do not store any personally identifiable information.

Performance cookies

Performance cookies

These cookies allow us to count visits and traffic sources so that we can measure and improve the performance of our website. They help us know which pages are the most and least popular and see how visitors move around the website. All information collected by these cookies is aggregated and, therefore, anonymous. If you do not allow these cookies, we will not know when you visited our site.

Advertising cookies

Advertising cookies

These cookies may be set on our site by our advertising partners. They may be used by these companies to build a profile of your interests and show you relevant ads on other websites. They do not store personal information directly, but are based on the unique identification of your browser and internet device. If you do not allow these cookies, you will have less targeted advertising.

Cookie List

checkbox label

label Consent

Leg.Interest

checkbox label

label

checkbox label

label

checkbox label

label