Housing Credit Acquisition
What is LTC and LTV in credit?
Do you know the purpose of Loan-to-Cost (LTC) and Loan-to-Value (LTV) ratios in financing? Find out more.
Related to: "Why does the financing limit differ depending on the purpose of housing?"
Housing Credit Acquisition
Home credit: Why is it considered the lowest value between acquisition and evaluation for LTV?
For home credit - housing, some measures are used to determine the loan risk for the bank. Understand what LTV is and why the lower value between acquisition and evaluation is used to calculate it.
Housing Credit Acquisition
What is the difference between permanent private housing and secondary housing in credit?
When you go to hire a home loan, the conditions proposed by the bank will be different depending on the purpose you give to the property: permanent or secondary own. Understand the difference between the two and the financing conditions for each.
Housing Credit Acquisition
Second home loan: How does it work?
Buying a vacation home to invest or rent through a second home loan is possible. But in which cases is it allowed and how does a secondary housing loan work?
Insurance Mediation
Can I hire insurance online?
Hiring insurance online is possible, but has its advantages and disadvantages. It is necessary to pay attention to some issues when subscribing to this product digitally. For that, you can also ask for help from an insurance mediator.
Housing Credit Acquisition
Second home mortgage: Is it possible to buy a vacation home using a bank loan?
Already have a mortgage and want to buy another house? It is possible, but the process requires extra caution.
Housing Credit Acquisition
Holiday home: How to buy your dream house.
Having a vacation home can be more affordable than you think. Find out the steps and precautions to take to make this wish come true.
Housing Credit Acquisition
If I transfer my credit, do the financing limits remain the same?
The Bank of Portugal (BdP) defined in 2018 some measures to limit bank financing in credit contracts. But do they also apply to transfers? Find out next.
Housing Credit Acquisition
FINE: Learn how to analyze a credit proposal.
When buying a house with a housing credit, 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 form 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?
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.