Related to: "Financial anxiety: Half of the Portuguese feel when thinking about their finances."

O que significa fazer uma consolidação de créditos?
Personal Consolidated Credit

What does it mean to consolidate debts?

The sudden loss of income or increase in interest rates can lead to non-payment of credit installments. One option to provide immediate savings is credit consolidation. How does it work?

11 Aug 20234 min

Aumento das taxas de juro: Como baixar a prestação do meu crédito habitação?
Mortgage Credit Transfer

Increase in interest rates: How to reduce the installment of my housing loan?

The European Central Bank (ECB) has announced a new increase in interest rates, which also leads to an increase in Euribor rates at various maturities. Therefore, Portuguese people with variable interest rates on their home loans will once again see their monthly payments increase. So, what options can we take to lower the amount to be paid for the home loan?

19 Sep 20236 min

Famílias cada vez com mais créditos. O que fazer?
Personal Consolidated Credit

Families increasing their debts. What to do?

According to DECO Proteste, some families have 20 loans, with credit cards being the main cause. But how to ease this credit burden? Get to know the options next.

24 Jan 20244 min

Crédito habitação: Amortizações antecipadas quase duplicam em 2023
Mortgage Credit Transfer

Mortgage credit: Early repayments nearly double in 2023

With the rise in interest rates, early repayment of housing credit was a popular option for the Portuguese in 2023 to avoid high interest rates. Check out the numbers.

15 Feb 20242 min

Poupança mensal de 275 euros: Como o João e a Carla consolidaram os seus créditos
Personal Consolidated Credit

Monthly savings of 275 euros: How João and Carla consolidated their credits.

By consolidating their credits, João and Carla saved 275 euros monthly and 3,303.72 euros annually. Find out how!

02 May 20243 min

Taxa de esforço das famílias aumenta para comprar e arrendar casa. Como baixar?
Housing Credit Acquisition

Household effort rate increases to buy and rent a house. How to lower it?

The effort of families to buy and rent a house increased compared to the same period last year. Understand the increase and how you can lower the effort rate.

03 Jul 20243 min

Crédito consolidado para juntar dívidas: Quais as vantagens?
Personal Consolidated Credit

Consolidated credit to combine debts: What are the advantages?

Adding different debts into a single credit is possible, simplifying payment and paying less overall. Understand all the advantages of this financing.

16 Sep 20243 min

Quais os créditos que posso consolidar?
Personal Consolidated Credit

What credits can I consolidate?

Consolidating multiple debts can be a good option if the goal is to reduce monthly installments and facilitate budget management. Find out which ones you can consolidate.

15 Oct 20242 min

Can I request renegotiation of my housing credit?
Mortgage Credit Renegotiation

Can I request renegotiation of my housing credit?

The renegotiation of the conditions of a mortgage can be a solution for those seeking a lower installment. Find out how renegotiating a loan works and learn about the exception to the rule for 2023.

11 Aug 20234 min

Orçamento apertado no regresso às aulas? Saiba como gastar menos
Mortgage Savings Credit

Tight budget on back to school? Find out how to spend less

The return to school is approaching and this is a financially turbulent time for parents. But there are some strategies that can help you spend less money and not tighten your budget. Let's see which ones?

10 Aug 20235 min

Como poupar com encargos, para suportar o custo do regresso às aulas?
Mortgage Credit Transfer

How to save on charges to support the cost of back-to-school?

The return to school can be a painful time for parents who have to buy school supplies for their children, make or renew school registrations. This is why it is important to be prepared for what this context holds. So, how to save on short-term expenses?

09 Aug 20235 min

PARI e PERSI: O que são estes processos no incumprimento de crédito?
Mortgage Credit Renegotiation

PARI and PERSI: What are these processes in credit default?

The terms PARI and PERSI refer to processes that banks initiate in order to prevent customer default on their loans, or to act after default. Understand better what they mean and how they work.

19 Dec 20235 min

Reduzir prestação do crédito habitação: Transferência ou nova medida do Governo?
Mortgage Credit Transfer

Reducing home loan installment: Transfer or new measure from the Government?

Faced with the new government measure to help Portuguese pay less for their home loan, it is important to analyze if it is worthwhile compared to other options available in the market. So, before activating this measure, let's see: Can you save more with a housing loan transfer?

09 Oct 20236 min

Crédito habitação: Renegociação de condições com taxa de esforço superior a 36% compensa?
Mortgage Credit Renegotiation

Mortgage credit: Is renegotiating conditions with a debt-to-income ratio above 36% worth it?

In order to help the Portuguese reduce their home loan payments, the Government has implemented measures to support housing, such as the obligation for banks to renegotiate loan conditions with a debt-to-income ratio above 36%. However, considering the various options in the market, is opting for this measure worth it? Let's find out in the article.

12 Oct 20235 min

Novas medidas crédito habitação: É possível renegociar condições e estabilizar a prestação?
Mortgage Credit Renegotiation

New housing credit measures: Is it possible to renegotiate terms and stabilize the installment?

During the Government's search for solutions to help the Portuguese reduce their housing credit payments, some exceptional measures are already in place. One such case is the renegotiation of contracts with an effort rate exceeding 36% and the stabilization of the installment for two years (having to repay the differential amount later). But which one will compensate more? Can they be applied simultaneously?

16 Oct 20235 min