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Finanças a dois: organizar o orçamento para comprar casa

Comprar casa em casal é um objetivo comum, mas nem sempre existe uma estratégia financeira partilhada. Quando cada pessoa poupa de forma isolada, tem prioridades diferentes ou não sabe exatamente quanto o outro consegue contribuir, o processo torna-se mais lento e mais confuso. Já quando existe alinhamento, método e transparência, torna-se muito mais fácil juntar a entrada, controlar os gastos e chegar ao banco com uma posição mais forte.

Housing Credit Acquisition

Vai ser mais difícil comprar casa? Banco de Portugal reduz taxa de esforço para 45%

O limite máximo da taxa de esforço, tecnicamente conhecido como DSTI (Debt Service-to-Income), foi reduzido de 50% para 45%. Na prática, as regras para aceder ao crédito habitação estão mais apertadas e a capacidade de endividamento das famílias fica mais limitada.

Housing Credit Acquisition

Hipoteca Familiar: Como a ajuda dos pais pode viabilizar o crédito habitação

Comprar a primeira casa é um passo importante, mas também um dos mais difíceis de concretizar. Com os preços dos imóveis em alta, a exigência de capitais próprios continua a ser um dos maiores obstáculos para muitos jovens e casais.

Home Improvement Loan

Home renovation loan: Invest in the transformation of your house.

Renovating your home can be an important step to increase the comfort and value of your property. With housing credit for renovations, you have the opportunity to transform your property in a smart and financially advantageous way.

Housing Credit Acquisition

How does the IRS impact the financial ability to request credit?

The income declared in the IRS influences the approval and conditions of your credit. Learn how to optimize your statement to improve the effort rate, increase financing capacity, and even reduce debts.

Housing Credit Acquisition

Mortgage Credit: 3 errors that delay approval.

Buying a house is one of life's biggest financial commitments. When you finally find the right property, it's natural to want to close quickly. However, rushing is one of the main enemies in the mortgage approval process.

Housing Credit Acquisition

Moradia ou apartamento: Como decidir a melhor compra ajustada ao seu orçamento

Comprar casa é uma das decisões financeiras mais importantes da vida, e o dilema “moradia ou apartamento” continua a dividir opiniões. Uns valorizam o espaço e a privacidade; outros preferem a segurança e praticidade da vida em condomínio. Contudo, a escolha deve começar pelo lado financeiro.

Mortgage Credit Transfer

How does the housing credit transfer work?

Are you dissatisfied with your current home loan? Tried to renegotiate the contract terms without success? Understand how home loan transfer works in this article.

Housing Credit Acquisition

At what age can you get a loan?

Do you know the minimum age to apply for credit? And the maximum age? Find out right away.

Mortgage Credit Transfer

How can I lower the installment of my home loan credit?

Housing credit: what measures can reduce the monthly amount to pay?

Housing Credit Acquisition

Explaining the Euribor: Find out everything about this benchmark.

Has Euribor been your worst nightmare? If you have a housing loan with a variable rate, this rate has been the reason your monthly installment has increased. We will explain why, below.

Housing Credit Acquisition

Houses appreciated in 2023

The price of houses throughout 2023 has been rising, especially in 17 district capitals. But by how much has it increased and how to buy a house in 2024?

Housing Credit Acquisition

Average rental and home sale prices significantly increased from 2022 to 2023.

The average value of both rents and house prices increased significantly in 2023 compared to 2022. Find out the numbers in question, and how to find the property at the best cost.

Mortgage Credit Renegotiation

Inflation rate drops in December: Find out the total average for 2023.

The inflation rate has dropped again, now to 1.4%. With this, it is now possible to finalize the average for the year 2023. Learn about the data involved and how to take advantage of this moment to review the budget.

Housing Credit Acquisition

Is it worth buying a house to rent out? Discover the 2023 data.

According to data released by Idealista and later shared in a news article by Notícias ao Minuto, in 2023 it was worthwhile to buy a house to rent in most Portuguese cities. Find out more about the data, the profitability by district, and if the process is worth it, then.