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Housing credit amortization

Mortgage amortization: Options for reducing debt.

Learn how to partially or fully amortize the debt of your home loan.

Home loan: Interest rate on new contracts decreases for the 9th consecutive month.

It is the 9th time that the average interest rate on new credit contracts has decreased, dropping to 3.68% last June. Check out the statistics, then.

Mortgage Credit Renegotiation

Mortgage credit: Early repayments and renegotiations increased (a lot) in 2023.

In 2023, it was possible to verify that early refunds and renegotiations significantly increased. According to the Bank of Portugal (BdP), this could be associated with the temporary suspension of fees. Understand better next.

Mortgage Credit Renegotiation

How much do I pay in commission for early repayment on home loans?

Until the end of the year, no commission is charged for early repayment of the home loan. Learn about the special regime and how much is charged outside of the current regime.

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.

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.

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.

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.

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.