Related to: "Mortgages: More than half of new contracts were with mixed rates."

Uma mão a segurar chaves com um porta-chaves com uma casa que visa representar o ato de comprar casa
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.

11 Aug 20233 min

Duas pessoas sentadas numa mesa de madeira, na mesa estão alguns papéis um computador portátil. A imagem visa representar a análise de uma proposta de crédito
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.

11 Aug 20234 min

Pessoa a calcular a taxa de esforço
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?

11 Aug 20239 min

Um casal sentado numa mesa em frente ao computador. A imagem visa representar a procura de casa
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.

11 Aug 20236 min

Crédito habitação: O que difere a TAN da TAEG?
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?

11 Aug 20234 min

A transferência de crédito habitação é gratuita?
Mortgage Credit Transfer

Is the transfer of housing credit free of charge?

With the rise in interest rates, the difficulty in paying the monthly mortgage payments is greater. Therefore, it is important to look for saving solutions in credit, such as transferring it. Find out how this process works, and if it has costs.

11 Aug 20234 min

Crédito habitação: Taxa de juro fixa, mista ou variável?
Housing Credit Acquisition

Mortgage credit: Fixed, mixed, or variable interest rate?

The interest rate you choose for your home loan has a direct impact on the amount you will pay for the monthly installment. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the loan?

11 Aug 20237 min

Glossário do crédito habitação
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.

11 Aug 202310 min

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

Pré-aprovação do crédito habitação: O que se segue?
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?

11 Aug 20233 min

How to make an early repayment of my home loan?
Housing Credit Acquisition

How to make an early repayment of my home loan?

Paying off your home loan early can be a solution to reduce the monthly installment you pay for this burden. Find out how it works, as well as the advantages and disadvantages.

11 Aug 20234 min

O que representa o spread no crédito habitação?
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.

11 Aug 20233 min

Diploma puts an end to the processing fee commission for loans.
Housing Credit Acquisition

Diploma puts an end to the processing fee commission for loans.

New measures regarding credits were announced, which can now benefit consumers. In order to facilitate access to housing credit and others, this decree dictates the end of some commissions: find out more at [URL].

10 Aug 20234 min

Crédito habitação para estrangeiros: Quais os documentos necessários?
Housing Credit Acquisition

Mortgage for foreigners: What documents are needed?

Are you a foreigner thinking of getting a mortgage in Portugal? The process can be simple, as long as you are informed beforehand. Find out what may differ in terms for locals, and what documents banks may ask for.

11 Aug 20234 min

Quais os requisitos para um crédito habitação aprovado?
Housing Credit Acquisition

What are the requirements for an approved mortgage credit?

To be able to contract a housing loan, it is necessary to meet certain conditions in order to have the proposal approved. In this article, we list the 4 requirements that must be met in order to buy your house through a housing loan.

10 Aug 20234 min