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Incumprimento no crédito habitação: Consequências e soluções

Default on mortgage: Consequences and solutions.

Learn what happens if you default on your home loan, and how to resolve it.

29 Oct 2024 • 1 min

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Failure to comply with home credit can create difficult situations for borrowers, but there are mechanisms that help deal with these difficulties, such as the PERSI (Extrajudicial Procedure for Regularizing Non-Compliance Situations) and the PARI (Action Plan for Default Risk).

These processes aim to support clients in renegotiating credit before the situation worsens. In addition, those who default must be aware that they may be charged with late fees, increasing the total debt amount. Understand everything in the articles below.

Related articles:

  1. Failure to pay housing credit: Learn what PERSI can do for you.
  2. PARI and PERSI: What are these processes in credit default? Find out more at https://www.poupancanominuto.com/artigos/credito-habitacao/pari-e-persi-o-que-sao-estes-processos-no-incumprimento-de-credito
  3. I defaulted on my mortgage, do I have to pay default interest? (Translated from Portuguese)

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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 tied credit intermediary registered with Banco de Portugal under no. 0006860. Authorized services: presentation or proposal of credit contracts to consumers. Assistance to consumers, through preparatory acts or other pre-contractual management work relating to credit contracts that were not presented or proposed by it. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral de Depósitos, S.A., Banco BPI, 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, Unión de Créditos Inmobiliarios, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Branch in Portugal, BNI - Banco de Negócios Internacional (Europa), S.A., Banco BIC Português, S.A., Unicre - Instituição Financeira de Crédito, S.A.