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Gestão pós-contratação de crédito habitação: O que deve saber

Post-hiring management of a mortgage credit: What you need to know.

Discover everything about managing a home loan, after signing the contract.

29 Oct 20241 min

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Having a contracted home loan implies numerous financial responsibilities, as well as being a guarantor. By being a guarantor of a loan, if the holder fails to make the monthly payment, you become responsible for the debt. Therefore, it is important to take this into account when contracting one or more loans.

If you encounter difficulties in paying off debts, you can reduce the amount you pay monthly in the short term by resorting to grace periods or capital deferment, two processes that allow you to "push" a certain amount of debt to the end of the loan term.

In case your credit is refused, it may have been due to the DSTI factor - Debt Service-to-Income - which indicates the financial effort of a client towards the settlement of a debt.

Learn more about all these topics in the articles below.

Related Articles:

  1. Home Loan: How to stop being a guarantor? url
  2. Second home loan: How does it work?
  3. Mortgage credit: What does grace period and capital deferment mean? Link
  4. Credit rejected by DSTI? Find out what this concept represents.
  5. Redeeming PPR early to pay off a home loan will be penalized in 2025.

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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.