Housing Credit Acquisition

Housing credit glossary

Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.

Reading time: 10 mins.
Housing Credit Acquisition

Mortgage credit: Fixed, mixed, or variable interest rate?

The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly installment. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the loan?

Reading time: 7 mins.
Housing Credit Acquisition

Is it possible to get 100% financing for a mortgage?

Is it possible to buy a house being 100% financed by the bank? Currently, there are limits to the value banks can lend. However, there is an exception. We explain which in this article.

Reading time: 4 mins.
Housing Credit Acquisition

Effort rate: What is this concept and how is it calculated?

The effort rate is one of the concepts in mortgage credit. In short, the effort rate assesses whether you have the ability to meet the installments of a loan. But what does this concept mean and how is it calculated?

Reading time: 9 mins.
Mortgage Credit Transfer

How does the housing credit transfer work?

Are you dissatisfied with your current home loan? Tried to renegotiate the contract terms without success? Understand how home loan transfer works in this article.

Reading time: 6 mins.

Highlights

New year, new home: Is it the right time to invest in a mortgage?

Evaluate the market, plan your finances, and compare banking proposals are essential steps to start the year with the right housing credit.

Housing Credit Acquisition

Public guarantee in mortgage credit depends directly on the financed amount.

Public guarantee offered by the State in home loans is directly related to the amount financed by the bank.

Housing Credit Acquisition

High effort rates limit young people's access to public housing credit guarantees.

Young people's access to state-guaranteed housing credit has faced significant challenges, with the main obstacle being the high level of effort required to benefit from this support.

Housing Credit Acquisition

Cost of credit risk expected to remain low in European banks in 2025.

European banks are expected to continue benefiting from low and stable credit risk costs in 2025, according to DBRS.

Latest

Crédito Habitação Aquisição

Dia do Pai: Como funciona a contratação de crédito habitação com um familiar?

Ao contratar um crédito habitação, recorrer a um co-titular ou fiador pode ser uma solução para melhorar as condições do financiamento. Com o Dia do Pai a chegar, saiba se é possível contratar um crédito em conjunto, e como funciona o processo.

Crédito Habitação Aquisição

Habitação: Portugal é o país da OCDE onde é mais difícil comprar casa

A crise no setor da habitação continua a ser um grande desafio em Portugal, tornando cada vez mais difícil a compra de casa.

Crédito Habitação Aquisição

Em que momento da compra de casa tenho de pagar os impostos?

Ao comprar uma casa, é necessário pagar dois impostos: O Imposto Municipal sobre as Transmissões Onerosas de Imóveis (IMT) e o Imposto do Selo (IS). Mas em que momento se pagam?