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Glossary

TAEG (APRC) and MTIC

The two legal measures for comparing loans: total yearly cost in % and total cost in euros.

The APRC includes interest, fees, mandatory insurance and stamp duty — not just Euribor plus spread. MTIC is the sum of everything you pay.

On a non-primary-home loan the 4% stamp duty on interest should be in both. Bank simulations don't always include it.

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Related

Debt-service ratio (taxa de esforço)LTV

General information based on current legislation. Not tax or legal advice.

2026 rules, verifiedThe tables are checked against the legislation in force, and the rule version appears on every result.
Every number says where it came fromNo result appears without the law behind it and a plain statement of what it assumed.
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