Hiring a mortgage: Essential steps for an informed decision.

When dealing with a mortgage, 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 Imputed to Consumers) help compare proposals, while the FINE (European Standardized Information Sheet) provides important details about credit.

Processes like requirements analysis, like its effort rate, are essential in pre-hiring for banks to understand if they have financial capability.

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

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

Discover all these topics in the following articles.

Related articles:

1. Housing credit glossary. Glossário do crédito habitação
2. How to compare credit proposals with APR and MTIC? Link
3. FINE: Learn how to analyze a credit proposal (Translated from Portuguese)
4. Pre-approval of the home loan: What comes next? (Translated from Portuguese)
5. Home credit: Why is it considered the lowest value between acquisition and valuation for the LTV? URL: 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 the housing?
7. Mortgage credit with a mixed rate: After all, how does it work?
8. Fixed or variable interest rate: What to choose in my home loan? [https://www.poupancanominuto.com/artigos/credito-habitacao/credito-habitacao-taxa-de-juro-fixa-mista-ou-variavel]
9. Effort rate: What is this concept and how is it calculated? (Translated from Portuguese)
10. Meal allowance on a card account counts towards the effort rate on housing credit? [https://www.poupancanominuto.com/artigos/credito-habitacao/subsidio-de-alimentacao-em-cartao-conta-para-a-taxa-de-esforco-no-credito-habitacao]
11. Mortgage: What is the difference between TAN and TAEG? URL
12. What does the spread represent in home loans? (https://www.poupancanominuto.com/artigos/credito-habitacao/o-que-representa-o-spread-no-credito-habitacao)
13. Discover all fees associated with home loans.
14. Have you heard of the APB protocol? Find out what it is. (https://www.poupancanominuto.com/artigos/credito-habitacao/ja-ouviu-falar-no-protocolo-apb-saiba-o-que-e)
15. Need a mortgage cancellation? Learn what it is and how to get it at https://www.poupancanominuto.com/artigos/credito-habitacao/precisa-de-um-distrate-de-hipoteca-saiba-o-que-e-e-como-obter.
16. People with disabilities: How does subsidized housing credit work? Link
17. High costs to build a house? Check out the home construction credit. Visit https://www.poupancanominuto.com/artigos/credito-habitacao/custos-altos-para-construir-casa-conheca-o-credito-habitacao-para-construcao.
18. Home improvement mortgage: Invest in the transformation of your house.
19. Valentine's Day: How to choose the best home loan for two.
20. Want to save on home credit? Discover the video series that reveals all the secrets!