Tips
Bank transfers will change: get to know the new measures.
National bank transfers will now become easier: find out what will change.
Related to: "Attention: Bank payments will have a change in May."
Present
Instant transfers are now cheaper.
Immediate transfers are now cheaper with the entry into force of a new Regulation.
Housing Credit Acquisition
What is the purpose of the credit responsibilities map?
The Banco de Portugal (BdP) credit responsibilities map is a document required when requesting financing from a banking institution, in order to assess whether you are in default on any credit. But what other information does this map include and how to interpret it?
Housing Credit Acquisition
Mortgage credit: BdP eases stress test required for borrowers.
Looking to hire a home loan? We have good news for you: The Bank of Portugal (BdP) has eased one of the requirements imposed on clients, making it easier to access this type of financing. Understand what changes in the stress test required by banks in this article.
Housing Credit Acquisition
Mortgage credit: Relief in the "stress" test now in effect.
The stress test applied by banks to clients' incomes applying for mortgage credit has been minimized, so that more Portuguese people can have their credit proposals approved. The measure imposed by the Bank of Portugal is now in force. Understand how it will work if you want to apply for a mortgage credit next year.
Housing Credit Acquisition
Banking commissions increasing: Banco de Portugal provides a comparator.
Bank commissions continue to be increased by banks, following the rise in interest rates. So, find out how to compare values and how to minimize the impact of this cost on housing credit.
Mortgage Savings Credit
Noncompliance with home loans: Find out what PERSI can do for you.
Are you in default with your home loan? The PERSI can help. Learn about the plan that banks must follow in this case, and find out how to save on your monthly installment.
Housing Credit Acquisition
Measure to fix the installment of the house? BdP warns of an increase in interest rates.
One of the measures taken by the Government to support Portuguese families with their home loans involves freezing the monthly installment at a fixed value for two years. However, the differential amount will have to be repaid...with interest, as warned by the Bank of Portugal.
Housing Credit Acquisition
Banks lend new maximum in mortgage credit to individuals.
A new record was reached in terms of home loan lending by banks to individuals in the last month of November. Find out the numbers involved and how to hire the best home loan in 2024.
Mortgage Savings Credit
Who benefits most from changes to the IRS?
Analysis reveals that changes to the IRS will benefit families with higher incomes.
Mortgage Credit Transfer
Mixed rate was the contracted regime in 71% of home loans in 2023.
The mixed interest rate represented 71% of housing credit contracts in 2023. Check out the data, released by the Bank of Portugal (BdP).
Tips
Black Friday: 3 tips to make the most out
Black Friday is approaching and it is important to inform yourself beforehand about savings tips, but also to be alert so you are not deceived as a consumer. So, check out 3 tips to make the most of the discounts on the next November 24th.
Tips
5 tips for buying (and saving) on sales
The sales have already started and it can be a great time to buy that piece you need or have always wanted at lower prices. But how to find the best opportunities safely? Check out 5 tips in this article.
Tips
Discover 4 tips to pay less with the telecommunications contract.
The DECO PROteste shared 4 tips that can help you start saving on your telecommunications contract: Find out what they are.
Tips
Tips to save money on your grocery bill.
Save time when going grocery shopping for the month? DECO PROteste explains some tips to reduce the bill, especially in times of inflation.