Housing Credit Acquisition
100% financing on home loans for young people: How does it work?
Young people can apply for 100% financing when buying a house with a mortgage credit, through a public guarantee measure.
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Housing Credit Acquisition
Have you heard about the APB protocol? Find out what it is.
The APB protocol is an agreement among Portuguese banks that facilitates the cancellation of mortgages. Are you in the process of transferring credit and have you heard about this agreement? Understand better how it works.
Housing Credit Acquisition
Need a mortgage discharge? Learn what it is and how to get it.
Are you selling your property and have been asked to request the mortgage discharge from the bank? This document is essential for the deed, to release the bank from the debt associated with your property. Let's better understand what this document is and how you can obtain it.
Housing Credit Acquisition
100% financed home loan with no taxes until age 35: Understand the measures.
What does the new Government promise for young people's housing credit? 100% financing and tax exemption are the measures in question.
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
100% home financing and tax exemptions for young people in force this month.
Are you young and want to buy a house? Starting this month, you won't need to give a down payment to the bank or pay taxes. Understand now.
Mortgage Savings Credit
What are the highest paying professions in Portugal in 2024?
According to data released by ManpowerGroup, find out which are the most sought-after and best-paid professions in Portugal, currently.
Housing Credit Acquisition
Tax exemption on home purchase for young people goes into effect on August 1.
The decree-law on the measure regarding tax exemption on home purchases for young people between 18 and 35 years old has already been published and is set to take effect on August 1st. Let's recall the conditions of the measure.
Housing Credit Acquisition
Did the common-law union end? Learn what to handle and how to divide property fairly.
Common-law marriage is a status attributed to a couple who share a life together, but are not married. However, is there any procedure to recognize this status? And, in that sense, how to separate the union and divide assets, like a house? This is what we will explain in the article.
Housing Credit Acquisition
Buying a house: Public guarantee must come into force by September at the latest.
The measure that will allow young people to access 100% financing (public state guarantee) when buying a house has now been published in the Diário da República, so it must come into force in the next 60 days, that is, by September 10 at the latest. Understand more next.
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
IMT and IS exemption in effect as from August 1st: Young people postponing house deeds to benefit.
The measure will come into effect on the first day of next month, so young people up to 35 years old in the process of buying a house are postponing the signing of deeds in order to still be able to access the tax benefit. Understand if it is possible legally and how to access the measure.
Housing Credit Acquisition
Young housing loan 100% financed: How to sign the CPCV?
The benefit of the public guarantee put in place by the State for young people up to 35 years old allows for 100% financing of the house without having to finance any down payment. But what happens to the deposit that has to be paid in the CPCV, before the deed? Learn about the options next.
Mortgage Credit Renegotiation
Early redemption of PPR to pay off mortgage loan will be penalized in 2025.
In 2025, early redemption of Retirement Savings Plans (PPR) to pay for housing credit will once again imply penalties, as the suspension of the penalty was not extended.
Mortgage Credit Transfer
Mortgage credit: Early repayment fee commission will continue to be suspended in 2025.
Repaying a home loan will remain exempt from early repayment fees in 2025 in contracts with a variable rate indexed to an Euribor rate, for any term.