Housing credit application: Essential steps for an informed decision.

When dealing with mortgage credit, it is crucial to understand various concepts that directly affect the financing of your home.  

The APR (Annual Percentage Rate) and the TTIC (Total Amount Charged to Consumers) help compare offers, while the SECCI (Standard European Consumer Credit Information) provides important details about the credit.

Processes like requirements analysis, such as their effort rate, are essential in pre-hire for banks to understand if they have financial capacity.

In addition, it is essential to understand the difference between fixed, variable, and mixed rate, as well as to realize the impact of the spread on the cost of credit.

There are also specific types of credit for construction and people with disabilities, with unique rules and benefits.

Discover all these themes in the following articles.

Related articles:

1. Glossary of mortgage credit
2. How to compare credit proposals with APR and MTIC? Link
3. FINE: Learn how to analyze a credit proposal
4. Pre-approval of home loan: What comes next? Link
5. Home credit: Why is it considered the lowest value between the acquisition and evaluation for the LTV? [https://www.poupancanominuto.com/artigos/credito-habitacao/credito-da-casa-porque-e-considerado-o-valor-mais-baixo-entre-o-de-aquisicao-e-de-avaliacao-para-o-ltv]
6. Why does the financing limit differ depending on the purpose of housing?
7. Housing loan with mixed interest rates: So, how does it work after all?
8. Fixed or variable interest rate: What to choose in my home credit? (translated from Portuguese)
9. Effort rate: What is this concept and how is it calculated? Link
10. Mortgage credit: What is the difference between TAN and TAEG? Link
11. What does the spread represent in home loans? Read more at https://www.poupancanominuto.com/artigos/credito-habitacao/o-que-representa-o-spread-no-credito-habitacao
12. Discover all the fees associated with home loans.
13. Have you heard of the APB protocol? Find out what it is: here
14. Need a mortgage release? Learn what it is and how to obtain it: here
15. People with disabilities: How does subsidized housing credit work?
16. High costs to build a house? Get to know the home construction credit.