Articles about:

DSTI
Guia crédito habitação: O que deve ter em atenção após a contratação
Housing Credit Acquisition

Mortgage guide: What to consider after signing the contract.

Managing a home credit involves several financial decisions. This comprehensive guide explores crucial topics, from the possibility of no longer being a guarantor to the implications of early redemption of PPR for credit payment.

20 Jun 20254 min

Tenho um crédito habitação. Posso contratar outro crédito?
Housing Credit Acquisition

I have a home loan. Can I take out another loan?

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?

09 Nov 20235 min

Crédito habitação: Alívio no teste de “stress” já em vigor
Housing Credit Acquisition

Mortgage credit: Relief in the "stress" test now in effect.

The stress test applied by banks to clients' incomes applying for mortgage credit has been minimized, so that more Portuguese people can have their credit proposals approved. The measure imposed by the Bank of Portugal is now in force. Understand how it will work if you want to apply for a mortgage credit next year.

02 Nov 20235 min

Crédito habitação: BdP alivia teste de esforço exigido aos mutuários
Housing Credit Acquisition

Mortgage credit: BdP eases stress test required for borrowers.

Looking to hire a home loan? We have good news for you: The Bank of Portugal (BdP) has eased one of the requirements imposed on clients, making it easier to access this type of financing. Understand what changes in the stress test required by banks in this article.

17 Oct 20234 min

Crédito recusado por DSTI excedido? A Poupança no Minuto pode ajudar
Credit intermediation

Credit refused for exceeded DSTI? Savings in Minuto can help.

Your credit or credit transfer was rejected by the bank due to the exceeded DSTI ratio with stress? This ratio can lead to non-approval of financing, if it exceeds 50%. But, after all, what does it represent in credit and how can you work around it?

10 Aug 20237 min

Eleito Produto do Ano 2025
Poupança no minuto

Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

Financefy - Mediação de Seguros Lda (Insurance Mediation Ltd), registered at ASF as nº 423578365


Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.