Lifestyle
Black Friday: Portuguese plan to spend 8% less this year compared to 2023.
Portuguese plan to spend €330 on Black Friday and 81% abandon carts.
Related to: "Black Friday: 3 tips to make the most out"
Tips
Black Friday: Track prices and secure the best deals with these apps.
Follow prices, activate alerts, and check the product history to ensure you are taking advantage of real offers on Black Friday, with the following apps and tools.
Credit intermediation
Mortgage credit intermediaries - What are they and why use these services?
If you are thinking of buying a house or getting credit to achieve another personal goal like buying a car or a trip, you have certainly come across the term "credit intermediaries". But what are credit intermediaries? What do they do?
House Purchase
What should you do before buying a home?
Want to buy a property and don't know the steps to move forward with the process? We explain, in this article, three phases you should follow before buying a house, and how credit intermediaries can help.
Housing Credit Acquisition
FINE: Know how to analyze a credit proposal
When buying a house with a housing loan, you may come across some terms that may seem confusing at first. If you have already started the process and the bank has given you a document called FINE, know its purpose and how to analyze it.
Housing Credit Acquisition
Effort rate: What is this concept and how is it calculated?
The effort rate is one of the concepts in mortgage credit. In short, the effort rate assesses whether you have the ability to meet the installments of a loan. But what does this concept mean and how is it calculated?
House Purchase
House hunting: Where to start?
Are you planning to buy a new house and have already gone to the bank to assess your financial capacity to move forward? If so, and you now have a pre-approved home loan, find out how to proceed in finding the right property in this article.
Housing Credit Acquisition
Mortgage loan: What is the difference between APR and APRC?
When buying a house through a bank loan, you may be faced with complex mortgage credit language. Such as the acronyms related to interest rates, APR and APR. So, what do they mean and what do they represent?
Housing Credit Acquisition
Housing credit glossary
Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.
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?
Housing Credit Acquisition
Pre-approval of mortgage credit: What comes next?
The mortgage credit process goes through several stages, starting with sending documents to the bank. Next, the bank needs to evaluate if the credit holders have the conditions to proceed, and only then is the credit pre-approved. But what comes next?
Housing Credit Acquisition
What does the spread represent in mortgage credit?
Are you going to apply for a mortgage and came across the concept of spread? This is one of the rates associated with this loan and can vary depending on some aspects. Understand how spread works so that you have a rate adjusted to your budget.
Health Insurance
Health insurance: Coverage, exclusions and benefits.
Is it worth hiring health insurance? According to each individual's needs, the answer will always be affirmative. But then, what does it cover, what does it exclude, and what are the advantages of subscribing to this insurance?
Housing Credit Acquisition
Is it possible to get 100% financing for a mortgage?
Is it possible to buy a house being 100% financed by the bank? Currently, there are limits to the value banks can lend. However, there is an exception. We explain which in this article.
Personal Credit Emergencies
Can I take out a personal loan to pay off another loan?
Depending on the type of credit to be settled, it is possible to hire a personal loan to do so. However, there are some factors to pay attention to so that the personal loan is approved. We explain everything in this article.