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Amortização de crédito habitação: Opções para reduzir a dívida

Mortgage amortization: Options to reduce debt

Learn how to partially or fully repay the debt of your home loan.

29 Oct 2024 • 1 min

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Repaying the housing loan in advance can be a good strategy to reduce the total amount owed and save on interest. Amortization can decrease the contract term or the amount of monthly installments. In 2023, repayments almost doubled, highlighting the increasing interest in this practice. Redeeming a PPR is also an option for repaying the loan, with specific rules.

However, it is important to consider the fees that may be charged by the bank when making an early repayment. Learn all about early repayment in home loans, in these articles.

Related articles:  

  1. How to make an early repayment of my housing credit? Find out more at https://www.poupancanominuto.com/artigos/credito-habitacao/como-fazer-uma-amortizacao-antecipada-do-meu-credito-habitacao
  2. When amortizing a housing loan, how much time can I reduce from the contract? (Translated from Portuguese)
  3. Redeeming PPR to pay off housing credit? Find out how.
  4. Home loan: Early repayments nearly double in 2023.
  5. How much do I pay in advance repayment commission on home loans?
  6. Home loan: Early repayment commission will continue to be suspended in 2025. More info

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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.