Articles about:

Savings in a Minute
Mesa castanha onde estão duas pessoas sentadas. Na mesa estão algumas folhas, uma pequena casa de madeira e uma das pessoas segura uma calculadora. A imagem visa representar intermediários de crédito habitação
Credit intermediation

Housing credit intermediaries - What are they and why use these services?

If you are thinking of buying a house or getting credit to achieve another personal goal such as buying a car or a trip, you have certainly come across the term "credit intermediaries". But what are credit intermediaries? What do they do?

11 Aug 20237 min

Uma mão a segurar chaves com um porta-chaves com uma casa que visa representar o ato de comprar casa
House Purchase

What should you do before buying a home?

Want to buy a property and don't know the steps to move forward with the process? We explain, in this article, three phases you should follow before buying a house, and how credit intermediaries can help.

11 Aug 20233 min

Duas pessoas sentadas numa mesa de madeira, na mesa estão alguns papéis um computador portátil. A imagem visa representar a análise de uma proposta de crédito
Housing Credit Acquisition

FINE: Know how to analyze a credit proposal

When buying a house with a housing loan, you may come across some terms that may seem confusing at first. If you have already started the process and the bank has given you a document called FINE, know its purpose and how to analyze it.

11 Aug 20234 min

Pessoa a calcular a taxa de esforço
Housing Credit Acquisition

Effort rate: What is this concept and how is it calculated?

The effort rate is one of the concepts in mortgage credit. In short, the effort rate assesses whether you have the ability to meet the installments of a loan. But what does this concept mean and how is it calculated?

11 Aug 20239 min

Um casal sentado numa mesa em frente ao computador. A imagem visa representar a procura de casa
House Purchase

House hunting: Where to start?

Are you planning to buy a new house and have already gone to the bank to assess your financial capacity to move forward? If so, and you now have a pre-approved home loan, find out how to proceed in finding the right property in this article.

11 Aug 20236 min

Is the housing credit transfer free?
Mortgage Credit Transfer

Is the housing credit transfer free?

With the rise in interest rates, the difficulty in paying the monthly installments of the home loan is greater. Therefore, it is important to look for savings solutions in credit, such as transferring it. Find out how this process works, and if it has costs.

11 Aug 20234 min

Mortgage Credit: Fixed, mixed or variable interest rate?
Housing Credit Acquisition

Mortgage Credit: Fixed, mixed or variable interest rate?

The interest rate you choose for your mortgage directly impacts the amount you will pay monthly. You can choose between a fixed, variable, or mixed rate. But what does each concept mean, how does it work, and how does it impact the credit?

11 Aug 20237 min

Glossário do crédito habitação
Housing Credit Acquisition

Mortgage glossary - https://www.example.com/credit-habitation-glossary.

Are you going to apply for a mortgage to buy your home? Know that, throughout the process, you may come across expressions that can be confusing. We have prepared a glossary about mortgage credit to help you know everything.

11 Aug 202310 min

What does it mean to consolidate credits?
Personal Consolidated Credit

What does it mean to consolidate credits?

The sudden loss of income or the increase in interest rates can lead to situations of default in the payment of credit installments. An option capable of providing immediate savings is credit consolidation. How does it work?

11 Aug 20234 min

Pre-approval of home loan: What comes next?
Housing Credit Acquisition

Pre-approval of home loan: What comes next?

The mortgage application process goes through several stages, starting with the submission of documents to the bank. Next, the bank needs to evaluate if the credit holders are eligible to proceed, and only then is the credit pre-approved. But what comes next?

11 Aug 20233 min

How to make an early repayment of my home loan?
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.

11 Aug 20234 min

What does the spread represent in mortgage credit?
Housing Credit Acquisition

What does the spread represent in mortgage credit?

Are you going to take out a home loan and came across the concept of spread? This is one of the rates associated with this loan and can vary depending on some aspects. Learn how the spread works so that you have a rate tailored to your budget.

11 Aug 20233 min

Diploma puts an end to the processing fee for loan installment commission.
Housing Credit Acquisition

Diploma puts an end to the processing fee for loan installment commission.

New measures related to credits were announced, which can now benefit consumers. In order to facilitate access to housing credit and others, this legislation dictates the end of some commissions: find out which ones.

10 Aug 20234 min

What are the requirements for an approved housing credit?
Housing Credit Acquisition

What are the requirements for an approved housing credit?

In order to apply for a home loan, it is necessary to meet certain conditions in order to have the proposal approved. In this article, we list the 4 requirements that you must meet in order to buy your home through a home loan.

10 Aug 20234 min

Buying a house with a housing loan: What documents will the bank ask from me?
Housing Credit Acquisition

Buying a house with a housing loan: What documents will the bank ask from me?

In order to analyze the risk level for a home loan, the bank requires certain documents from the proposed holders. Let's see what documentation is necessary to submit to the bank for the home loan, and how to choose the appropriate bank.

10 Aug 20234 min