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?
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.
Buying a vacation home, to invest or rent through a second mortgage, may be possible. But in which cases is it allowed and how does a secondary housing loan work?
Looking to apply for a housing loan? We have good news for you: The Bank of Portugal (BdP) eased one of the requirements imposed on customers, making access to this type of financing easier. Understand what changes in the stress test required by banks, in this article.
One of the most common questions that arises after taking out a loan is whether you can take out another for a different project. For example, a house and a car are usually among the most important projects, and many need financing to acquire both. But how can you know if you have the financial capacity for both?
According to Eurobarometer, 83% of the Portuguese respondents believe that their standard of living will worsen by 2024. So, how can one protect themselves from this prediction if they have insurance and loans?
O indicador que mede o esforço das famílias portuguesas para suportar prestações de habitação foi mais elevado no segundo trimestre de 2024, face ao mesmo período o ano passado. Leia os números, em seguida.
The sudden loss of income or the increase in interest rates can lead to situations of default in the payment of credit installments. An option capable of providing immediate savings is credit consolidation. How does it work?
The European Central Bank (ECB) has announced a new increase in interest rates, which also leads to an increase in Euribor rates at various maturities. Therefore, Portuguese people with variable interest rates on their home loans will once again see their monthly payments increase. So, what options can we take to lower the amount to be paid for the home loan?
According to DECO Proteste, some families have 20 loans, with credit cards being the main cause. But how to ease this credit burden? Get to know the options next.
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.
By consolidating their credits, João and Carla saved 275 euros monthly and 3,303.72 euros annually. Find out how!
Um estudo feito em Portugal concluiu que cerca de metade dos cidadãos sentem ansiedade financeira ao pensar nas suas finanças pessoais. Conheça todos os dados revelados, em seguida.
With the rise in interest rates, the difficulty in paying the monthly installments of the home loan is greater. Therefore, it is important to look for savings solutions in credit, such as transferring it. Find out how this process works, and if it has costs.
Are you unhappy with your current home loan? Have you tried renegotiating the terms of the contract without success? Understand how home loan transfer works in this article.