Related to: "Second home loan: How does it work?"

Posso contratar um seguro online?
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.

13 Dec 20233 min

Chave pendurada na porta com porta-chaves em forma de casa.
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.

08 Apr 20243 min

Porque o limite de financiamento difere consoante a finalidade da habitação?
Housing Credit Acquisition

Why does the financing limit differ depending on the purpose of housing?

Currently, there are limits applied to mortgage loans, but they differ depending on the purpose given to the property. What is the reason for this differentiation? Read the explanation from the Bank of Portugal (BdP) below.

30 Apr 20243 min

Segundo crédito habitação: É possível comprar uma casa de férias com recurso ao banco?
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.

16 May 20252 min

Casa de férias: Como comprar a sua casa de sonho
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.

16 May 20252 min

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: 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.

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 consolidating credits mean?

The sudden loss of income or an increase in interest rates can lead to defaulting on credit payments. One option for 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