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Crédito habitação com Euribor? A sua prestação pode baixar (bastante) em agosto

Mortgage with Euribor? Your installment can drop (quite a bit) in August.

August will bring relief, which can be significant, for those with housing loans linked to Euribor, in various terms. Find out how much in this article.

13 Aug 20242 min

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If you have a variable rate mortgage, find out how much your installment can decrease in August.

The month of August brings good news for borrowers of variable rate mortgage loans indexed to Euribor. Interest rates have dropped and all Euribor terms, three, six and 12 months, have consequently decreased.  

So, according to simulations by DECO PROTeste shared with Notícias ao Minuto, in a financing scenario of 150,000 euros over 30 years and a spread of 1%, there will be decreases of 22.44€ in contracts with Euribor at six months, of 18.12€ in Euribor at three months, and 56.60€ in Euribor at 12 months. 

Let's see what the instalment values in this scenario will be, according to the Euribor rates:  

  • Scenario 1 (Average 6-month Euribor of 3.644%): €772.92  
  • Scenario 2 (Average Euribor at 3 months of 3.685%): €776.60  
  • Scenario 3 (12-month Euribor average of 3.526%): 762.35€  

These were the instalments in the last reviews: 

  • Scenario 1 in February 2024 (Average 6-month Euribor of 3.892%): €795.36  
  • Scenario 2 in May 2024 (3-month Euribor average of 3.885%): €794.72  
  • Scenario 3 in August 2023 (Average 12-month Euribor of 4.149%): €818.95

If the decrease in your installment has not been significant, but you are looking for solutions to lower the amount you pay monthly for this burden: We may have options for you! The credit intermediaries at Poupança no Minuto can help mediate with banks to renegotiate your current conditions or transfer the credit to better conditions, in a process that is cost-free and saves you from all the bureaucracy, so that you can start saving monthly... Contact us now to find out more:

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Eleito Produto do Ano 2025
Poupança no minuto

Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

Financefy - Mediação de Seguros Lda (Insurance Mediation Ltd), registered at ASF as nº 423578365


Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.