Related to: "How much do I pay in commission for early repayment on home loans?"

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

Can I take out a personal loan to pay off another loan?
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 consider so that the personal loan is approved. We explain everything in this article.

11 Aug 20233 min

Novas medidas crédito habitação: Como avançar com pedido ao banco?
Housing Credit Acquisition

New housing credit measures: How to proceed with a request to the bank?

Three measures are at stake, now approved by the Council of Ministers, to help Portuguese citizens with their housing credit installments: the reduction and stability of the installment for two years, the extension and simplification of credit bonuses, and the extension of the suspension of amortization commissions. Find out if you are eligible and how to apply.

25 Sep 20234 min

Ao amortizar no crédito habitação, quanto tempo posso reduzir ao contrato?
Housing Credit Acquisition

When repaying a home loan, how much time can I reduce the contract?

Making an early repayment of your mortgage credit can have several purposes. If you have a ready monetary value to invest or want to use your savings to apply to your mortgage credit, consider whether you want to reduce the current installment you pay or the term. Understand better in this article.

18 Dec 20234 min

Crédito habitação: Amortizações antecipadas quase duplicam em 2023
Mortgage Credit Transfer

Mortgage credit: Early repayments nearly double in 2023

With the rise in interest rates, early repayment of housing credit was a popular option for the Portuguese in 2023 to avoid high interest rates. Check out the numbers.

15 Feb 20242 min

Renegociações no crédito habitação aumentam 5 vezes mais em 2023
Mortgage Credit Renegotiation

Mortgage renegotiations increase 5 times more in 2023.

Home loan renegotiations rise to 8.8 billion euros - a 5 times growth from 2022 to 2023. Understand better what is at stake, in the link below.

13 Feb 20242 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

Crédito habitação: O que difere a TAN da TAEG?
Housing Credit Acquisition

Mortgage credit: What is the difference between APR and APRC?

When buying a house through a bank loan, you may come across a language associated with mortgage credit that is somewhat complex. Such as the abbreviations related to interest rates, TMR and APR. So, what do they mean and represent?

11 Aug 20234 min

Mortgage Credit: Fixed, mixed or variable interest rate?
Housing Credit Acquisition

Mortgage Credit: Fixed, mixed or variable interest rate?

The interest rate you choose for your mortgage directly impacts the amount you will pay monthly. 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 credit?

11 Aug 20237 min

Glossário do crédito habitação
Housing Credit Acquisition

Mortgage glossary - https://www.example.com/credit-habitation-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

Pre-approval of home loan: What comes next?
Housing Credit Acquisition

Pre-approval of home loan: What comes next?

The mortgage application process goes through several stages, starting with the submission of documents to the bank. Next, the bank needs to evaluate if the credit holders are eligible to proceed, and only then is the credit pre-approved. But what comes next?

11 Aug 20233 min

What does the spread represent in mortgage credit?
Housing Credit Acquisition

What does the spread represent in mortgage credit?

Are you going to take out a home loan and came across the concept of spread? This is one of the rates associated with this loan and can vary depending on some aspects. Learn how the spread works so that you have a rate tailored to your budget.

11 Aug 20233 min

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

Diploma puts an end to the processing fee for loan installment commission.

New measures related to credits were announced, which can now benefit consumers. In order to facilitate access to housing credit and others, this legislation dictates the end of some commissions: find out which ones.

10 Aug 20234 min

Mortgage for foreigners: What documents are required?
Housing Credit Acquisition

Mortgage for foreigners: What documents are required?

Are you a foreigner considering applying for a home loan in Portugal? The process can be simple, as long as you are informed beforehand. Find out what may differ in terms of conditions for locals, and what documents banks may request from you.

11 Aug 20234 min