Housing Credit Acquisition
Mortgage credit: Interest rate decreases for the 7th consecutive month.
Implicit interest rate on mortgage loans decreased for the 7th consecutive month in August, to 4.417%. Read the numbers below.
Related to: "Mortgage credit: Implicit interest rate decreases again in January."
Housing Credit Acquisition
Mortgage credit: Interest rate dropped for the 8th consecutive month.
In September, the implicit interest rate on housing loans fell for the 8th consecutive time, reaching 4.362%. Although still higher than the same period last year, according to the National Institute of Statistics (INE).
Housing Credit Acquisition
Interest rate on housing loans drops to 4.277% for the 9th month in October.
The implicit interest rate on housing credit continued to fall in October, marking the 9th consecutive month of decline, reaching 4.277%.
Housing Credit Acquisition
Interest rate on housing loans drops for the 10th month in November to 4.186%.
The implicit interest rate on home loans fell by 9.1 basis points in November, settling at 4.186%, down from 4.524% in November 2023.
Housing Credit Acquisition
Home loan: Interest rate decreases again in December.
The mortgage interest rate dropped to 4.091% in December, showing a decrease from the previous month, but still above the value of the same period in 2023, according to INE data.
Mortgage Savings Credit
Average interest rate on new loans drops to 4.03% in January.
The average interest rate on new credit contracts decreased from December to January, reflecting the slowdown in leading interest rates. Understand what is at stake next.
Housing Credit Acquisition
Housing: Prices rose 9.8% in the third quarter of 2024.
Housing prices increased by 9.8% in the third quarter of 2024, according to the INE, up 2.0 percentage points from the previous quarter.
Housing Credit Acquisition
Housing in Portugal: What to expect for 2025?
Despite some government initiatives and expectations of an increase in construction, experts warn that by 2025 housing accessibility in Portugal will continue to be a structural problem, marked by high prices and growing inequalities.
Housing Credit Acquisition
New year, new home: Is it the right time to invest in a mortgage?
Evaluate the market, plan your finances, and compare banking proposals are essential steps to start the year with the right housing credit.
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?
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
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?
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.
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?
