• Benefits
  • Related Costs
  • Features
  • How to apply
  • Further subjects

Real Estate Leasing is a flexible financing solution enabling the purchase or the construction of all type of real estate, with the following advantages:

 Lower mothly payments

Usually, leasing financing has instalments lower than traditional due to the fact that the leasing agreement has a a customer's initial payment and an opt out payment at the end, thus reducing the value of the financed principal;


Flexible maturities, up front value and opt out value;

 Possibiliity to transfer the agreement position

During the lifetime of the leasing agreement, the Customer is allowed to transfer its contractual position to another interested party.





Real Estate sale price 1.000.000,00 MT 
Maturirty 10 years / 120 months
Monthly Instalment 17.988,54 MT
Up front payment 10%
Opt out amount 2%


Financial costs are related to: 


Organization fee and modification fees are applicable.

Interest Rate

The applicable interest rate is PRSF – Prime Rate do Sistema Financeiro, plus a spread defined according with the risk analysis performed by the Bank.  

Details can be found in the Bank's Price Schedule available online and at any of the Bank's Branch.



The leasing agreement will allow the Customer to use the real estate financed, during a certain time period, for a monthly lease amount. At the end of the lease period, the Customer has the option to pay to the Bank the final (opt out) amount and become the owner of the property or to quit thus not acquiring the real estate.


Metical (MZN)


Up to 60% of the purchasing value


From 7 to  10 years

Related Insurances

Real estate insurances, including wroks, construction and operations.


A personal guarantee might be required.

Initial amount

Starting at 10% of the purchasing value.

Opt out commission

Variable from 2% to 10%

Early Repayment

Allowed, total or partial, with a penalty over the due outstanding amount.

To apply for a Real Estate Leasing, please use one of the following way:

  • Visit your Millennium bim Branch or contact your Relationship Manager and ask for a simulation;
  • Call our Customer Line at:
  • +258 21 35 00 35

    +258 82 35 00 350

    +258 84 35 00 350

    +258 86 35 00 350