Housing Credit Acquisition
Public guarantee in mortgage credit depends directly on the financed amount.
Public guarantee offered by the State in home loans is directly related to the amount financed by the bank.
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Garantia pública taxa de esforço
Housing Credit Acquisition
High effort rates limit young people's access to public housing credit guarantees.
Young people's access to state-guaranteed housing credit has faced significant challenges, with the main obstacle being the high level of effort required to benefit from this support.
Housing Credit Acquisition
Public guarantee for 100% of credit compromises the debt-to-income ratio criterion.
The new measure of support for young people will make it easier to purchase property with credit for those who do not have savings for a down payment, but will increase the monthly payments and, consequently, the burden rate of borrowers.