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Preferential Conditions
- BNU Payroll Clients
BNU’s payroll customers gain immediate access to the bank’s most competitive mortgage rates. - Civil Servants
Civil servants enjoy exclusive lending conditions and special offers under BNU’s Government Service Program. - Transfers from Other Banks
When a mortgage is transferred to BNU, lawyer fees may be subsidized—partially or in full—under BNU’s Transfer Assistance Scheme. - No Compulsory Cross-Selling
BNU’s policy ensures that no additional products are forced upon borrowers—only the solutions they select.
Family Co-Financing: Sharing the Journey
BNU’s co-financing options allow family members to share both the responsibilities and the joy of homeownership. By pooling financial resources, BNU’s clients can secure a dream home more easily together.
Green Home, Greener World: Portugal Incentive
Under BNU’s Green Home Initiative, borrowers purchasing an A+, A, or B energy-certified home in Portugal receive a 0.15% deduction on their mortgage interest rate, rewarding sustainable living choices.
Geographic Solutions
- Macau
BNU’s solutions simplify first-time purchases, refinancing, and economic-housing loans. - China Greater Bay Area
BNU offers comprehensive mortgage packages for property acquisitions throughout the GBA. - Hengqin
BNU’s financing brings dream homes on Hengqin’s waterfront within reach. - Hong Kong
BNU’s dedicated mortgage plans support purchases in Hong Kong’s dynamic market.
Required Documentation
- Identification
Applicant(s) personal ID card - Proof of Address
Recent utility bill, credit-card statement, or tenancy agreement - Proof of Income
Employment contract or company letter plus latest payroll slip - Purchase and Sale Agreement
Signed copy of the deed between buyer and seller - Property Search (“Busca”)
Land Registry Bureau of Macau SAR search—arranged by BNU for an MOP 30 fee
For more details or to apply, visit BNU’s website under the “Mortgage Loan” section or contact any BNU branch.
